BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-11
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Because of rules the CFPB enforced on Paypal, I am unable to refund someone a transactions because of " low funds ''. Paypal is forcing me to sign up for an account I don't want. I want to refund someone back their money, and paypal isn't allowing me to do so. I think they could easily refund the transaction based on the law, but they are not interested in being fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is wrong, the last date active is wrong, and last date is not accurate. This is ground for removal and my rights were violated under the law 's. 

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 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 2022-05-15
Company: EQUIFAX, INC.
State: NC
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 Account # XXXX, and XXXX XXXX Account # XXXX have 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 2018-01-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
19 yrs of payments not showing in XXXX report vs XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Michigan Mutual, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new mortgage and the problem occurred when I accidentally made a duplicate payment for XXXX. I did not realize that the automatic payment would begin so quickly as I had not received confirmation, so on XX/XX/XXXX I made an electronic payment. On XX/XX/XXXX, the automatic payment went through for a second payment. I immediately called customer service and was told I could submit the request on line via the customer service portal. I did that on XXXX but did not receive an email confirmation until XX/XX/XXXX. I called the company and was told the check was cut XX/XX/XXXX and to give it a few days due to the holiday. 

It is now XX/XX/XXXX and still no check. I have called, emailed and called every day to be told the check was mailed XX/XX/XXXX and to wait a few more days. I have been transferred, cut off, hung up on, ignored and lied to with every call. 

No one will provide their name, telephone number or any other information other than we are checking on this and will call or email you. In the meantime I have continued to make the payments and have experienced financial hardships, paid late fees and dealt with incredible frustration just trying to get the duplicate payment reversed or I'll even live with the duplicate payment being applied to the account. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Can you please put stop of this Zwicker & Associates, PC Attorney for Plaintiff and Debt collector their address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX their website Zwickerpc.com sued me at XXXX County, Florida for debt I do not owe for them. 
They dont have validation letter states I owe them. 
They dont have contract that I owe them. 

Again please help me how to put stop of this bully debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: LA
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:
This agency is reporting inaccurate information to my credit file for trade line : XXXX XXXX XXXX ; incorrect balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust Mortgage purchased our home loan from another financial company. Shortly after purchasing our loan they sent us a letter saying that they had no record of an insurance policy covering our home, and that if we did not contact them within 30 days they will purchase insurance for us at an a cost of {$1800.00}. 
I have insurance, and have resolved the issue for my case, but I am reaching out to you because I believe that SunTrust 's actions are illegal. They can not ( or should not ) be allowed to spend their customers money without that customers explicit consent. This problem arose because of SunTrust 's poor record keeping. There is a real possibility that customers ending up being force to buy a second insurance policy because they did not notice or understand the issue. I hope that you will investigate their actions and ensure that no consumers were harmed because of SunTrust 's actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I opened a dispute with Citi Cards regarding a fraudulent purchase made in the amount of {$370.00} on XX/XX/XXXX with a XXXX XXXX XXXX XXXX XXXX. The Case ID is XXXX. The dispute is still ongoing and despite having more information that would help them decide in my favor. However, I called in and was told by a customer service agent that the merchant is claiming that I would have to send in a document explaining why the merchandise is defective. 

However, I was informed that I would have to find the document that would allow me to dispute this claim under notices and letters in my online account, dated XX/XX/XXXX. When I followed the customer service agents instructions to get there, the last notification was received on XX/XX/XXXX. 

I then was routed to a number of different customer service reps that have failed to find this document which will allow me to appeal this decision. Theyve already decided that I am liable for {$370.00}, which my tracking information XXXX XXXX XXXX XXXX XXXX & XXXX ) shows was received back by the merchant on XXXX XX/XX/XXXX at XXXX XXXX 

This feels like a scam that CitiBank is conducting, and they have already decided that I am liable. It feels like they are giving me the runaround to erroneously charge me {$370.00}.

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 2015-10-26
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
THIS IS BBT BANK 'S NINTH KICK OF THE MULE AND BOY ARE THEY THICK HEADED. AT THE SAME TIME I AM A TOUGH OLE BIRD. BBT YOU REALLY ARE N'T PORTRAYING YOURSELVES AS BRIGHT AT ALL. THE CONSUMER FINANCE PROTECTION BUREAU IS BRIGHT ENOUGH TO REALIZE THAT I WOULD NOT BEAT A DEAD HORSE. YOU ARE TRYING TO SKIRT THE ISSUE BY STATING YOU STAND BY YOUR PREVIOUS RESPONSE. WELL, I STAND BY MINE! THE CONSUMER FINANCE PROTECTION BUREAU REALIZES AS DO YOU WITH YOUR FAKE DECEPTION ATTEMPTS THAT YOU HAVE AVOIDED/ NOT ACKNOWLEDGED THE FACT THAT ( IN ADDITION TO NOT REVEALING WHAT YOU DID WITH THE CONTENTS OF MY SAFE DEPOSIT BOX ) YOU HAVE NOT/REFUSED TO ADDRESS THE ISSUE OF THE SAFE DEPOSIT BOX KEYS THAT I HAVE ARE NOT THE ONES I WAS GIVEN WHEN I RENTED THE BOX AND YOU APPARENTLY ARE REFUSING TO CHECK YOUR CAMERAS THAT WOULD REVEAL WHO WAS IN THE BOX ON THE AFOREMENTIONED DATES-OH WAIT, CAMERAS CAN BE ALTERED/TAPES CAN BE ERASED. THIS CAN AND MAY HAVE HAPPENED BECAUSE THERE ARE ALSO PLENTY OF DISHONEST PEOPLE IN BANKS!! AND NOW YOUR ( BBT BANK ) SENIOR VICE PRESIDENT IS SNEAKING INTO THIS MATTER. WELL, TO HIM/HER I SAY WHAT I HAVE SAID IN MY PREVIOUS RESPONSES AND IN CASE YA HAVE N'T NOTICED I AM NOT TIRED YET-WHERE ARE THE CONTENTS OF MY SAFE DEPOSIT BOX!!! SO XXXX, I LOOK FORWARD TO ADDRESSING YOU IN THE TENTH KICK OF THE MULE!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Flagship credit acceptance Corp is a fraudulent company the license needs to be pulled they operate in an attempt at directing any problems as an option for themselves for repossession they say one thing and pledge one thing but they do something different and then they document something amongst themselves in total contradiction of their assurances and actions and then submit that to the agencies to whom they have been reported to dupe and deceive those agencies with grandiose assurances all based on falsehood and document alteration over 2 months customer has been trying to get a call back from an appropriate representative and here it is it's been over 2 months and there still has been no supervisor or appropriate representative to contact the customer but they have well documented that they have the company is a deceptive company that can not be trusted they promised the me that payments were being pushed or put to the end of the loan then another person calls and has no idea about that promise then another person calls back and tells me make a payment and then we'll put the other ones to the end of the term then someone else calls back who says there are no notes but then they start reading on notes which serve an altered version of the companies misdirected agenda a simple problem which covid caused could have been fixed but because of the malingering of this company and its lack of viable contacts although they have a easily accessible number and a pledge as the same they have no supervisor who has called me back yet. A fair resolution would be the company removed from my credit but let a past 30-day payment that they have on my credit and that they honor what they pledge to move the payments to the end of the term and that they have a viable representative contact 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 2015-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received an offer from Chase Bank to refinance my existing loan with them for no closing cost. I submitted all the necessary paperwork as requested by Chase. I received a letter dated XXXX/XXXX/2015 stating that they closed the loan application because they did not receive the additional information they requested. The loan officer failed to communicate with me on the steps to take for any additional information needed. I spoke to the loan officer on the phone on Monday, XXXX XXXX, 2015. He stated that he could reopen the loan but there would be closing cost involved. This is not fair because the loan officer failed to communicate with me concerning my loan, now they are wanting me to pay closing cost to refinance. Chase should honor the original loan application due to the failure of the loan officer inability to communicate with me in a timely manner concerning this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX, Caller ( XXXX ) XXXX called XXXX XXXX XXXX XXXX ( XXXX ) XXXX stating they were from XXXX XXXX and were in the process of disconnecting my service. I was panicked and directed them to call my sister, XXXX XXXX ( XXXX ) XXXX, who takes care of my financials. The immediately called her at XXXX and explained that service was being disconnected and payment was needed. She offered to pay via credit card but they explained that in this situation where disconnect was in process they could only take XXXX. They then proceeded to walk her through the process of paying via XXXX in the amount of {$290.00}, removing the late payment. They then proceeded to explain that they payment was not accepted because the system was not taking in to account the removal of the late payment, she she processed another payment for the {$310.00}. They walked her through how to request credit through XXXX for the refund of the first amount and said just to round it up to {$290.00}. They then stated service would be restored and put her on hold to confirm with supervisor. A few days later, after refund did not process through as a refund, she reached out to XXXX XXXX to learn that they never accept payments through XXXX. So unfortunately this was fraud and they took a total of {$910.00}.

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 2016-07-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning 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 2017-02-27
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Had a checking account in 2013 with Wells Fargo and was overcharged with fees for insufficient funds, overdraft fees, and other fees.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve an error in my credit report with Experian since XX/XX/XXXX. I returned and satisfied account # XXXX XXXX XXXX with XXXX in XX/XX/XXXX. I confirmed this with the creditor several times and Experian continued to resolve and keep the account open stating that XXXX reported it was still open, even after confirming with me that it was closed. Then they opened a previously closed account from XXXX. I submitted documentation that both accounts were closed and satisfied. On XX/XX/XXXX, they switched it to Repossession. The car was repossessed in XX/XX/XXXX but was returned after being paid in full. There is someone at the Experian agency that is messing with my file and I need guidance on how to resolve this issue.

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 2018-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
There is a Bank of America account listed XXXX which was an auto loan the car was totaled out and I was told do not do anything as the account is frozen until the insurance company reports back to BOA which I did what I was told to, the auto loan was paid off but after pulling my credit report now this paid off account is reporting a 60 days late which is NOT accurate. I need some help here I care about my credit rating and this is very hard to handle as I do not pay my bills late.

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 2023-01-30
Company: Bank of Baroda - New York Branch
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Hello sir my name is XXXX XXXX XXXX and On XXXX XX/XX/XXXX i applied for XXXX XXXX credit card on XXXX XXXX they opened it but XXXX not say that its activation charge are XXXX that not a major problem on XXXX XXXX i made a payment on XXXX that got failed but amt charged in credit card did not reversed till now also when i using my card they unfortunately blocked my card when i contact them they says you have called and request for card blocking and this will not unblocked you have to replace your card with charge XXXX also that is not a major problem. 
I have made advance payment of XXXX rupees in advance and i closed my credit card on XXXX of XX/XX/XXXX and i mailed them from XXXX XX/XX/XXXX but till now they have not transferred my advance payment in my bank account. 
Such a worst experienced i faced from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I had {$450.00} stole from my account from fraud they refused to resolve this issue and only communicated through automated email I told them I was going to report them and I got an email my account was going to be closed on XX/XX/XXXX I called that day and they said it was probably a scam and nothing on my account said it would be closed. Now today on XX/XX/XXXX they closed my account and did not give me a reason why it was closed or an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This complaint is for the American Express XXXX XXXX XXXX card. The issue was I never received the welcome offer for the card. Which was the primary reason for getting the card as it has a high annual fee. I contacted chat and they said I didnt have the offer available to me due to having Amex cards in the past. Then I got transferred to a supervisor and they said I declined it via prompt when signing up for the card. I am not sure if there was an issue with my computer but I dont remember a prompt and would not have signed up for the card if I knew I wasnt going to get the promo. I did receive a document about the promo in the mail so I figured everything was ok. But when I asked about where Im at for getting the promo they said I wasnt eligible. I would have like a communication sent of saying I declined the welcome offer or something indicating I was eligible for it. That way I wouldnt be purposely spending thousands on the card trying to hit the XXXX in 3 months to get the offer. As I would have gotten better use using other cards. I think the lack of communication about not being eligible except for a prompt that came up when there were mixed in with other prompts is not enough ( per manager ) .I just want to ensure this doesnt happen to others as the card does have a high annual fee of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My complaint is that, I have been working with SPS for over a year on a short sale, as of XX/XX/2017 the first lien holder has agreed to an amount of XXXX to move forward with the short sale, the second lien holder is asking for XXXX this is a XXXX approved loan and should be accepted by SPS, both institutions have give me dates to have the short sale closed on, I have been waiting for a approval since XXXX XXXX. 
with out having a negotiator to follow thru with this request, when i call i just get a person in the ombudsman Dept. updating me with no answer yet!! this need someones attention, for this matter is time sensitive. 
thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation