BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX I submitted Mortgage Loan Application to Chase Bank Mortgage Banker ( XXXX XXXX XXXX XXXX ). I spoken with the subject on the phone few days after the application as submitted and she requested I provided with her some of my personal financial information thus she can better assist me with the loan application. On XX/XX/XXXX at XXXX I received an e-mail from XXXX XXXX stating she was unable to run the pre-qualification in her system due to computer issue, however she was able to get my credit report and did found an item on my credit report and advise I call her because it is relatively easy to fix. On the same day approximately XXXX I called XXXX XXXX and she told me she is on the phone with credit report agency and she will get back to me. 

Since then I never heard back from XXXX XXXX and on XX/XX/XXXX at XXXX I e-mailed her about the status and I received no reply. Thus, I 'm respectfully requesting XXXX XXXX to remove to remove credit inquiry she have made on this application, thus I can contact someone difference. XXXX XXXX communications skills needs work and she should not request consumer credit report and or financial information if she is going to disappear with out any notice. 

I feel my credit report was neglected by her and it needs to be removed by her bank ASAP. I 'm currently in process of buying home and last thing I want is have chase run my report again because of her lack on confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has intentionally and repeatedly misrepresented to me that the XXXX XXXX, 2013 SPOC, XXXX XXXX, issued denial letter was a MHA HAMP ineligibility denial based on an appeal review completed by the Bank of America Appeals Department. It is not. However, there are two Bank of America Appeals Department determination letters of XXXX XXXX, 2013 related to an unspecified proprietary home loan mortgage account mmodification issued by XXXX XXXX. 
Bank of America continues to engage in behavior indicative of a breach of the covenant of good faith and fair dealing related to a home loan mortgage account and a borrower pending in the loss mitigation processes.

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 2015-12-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Other fee

Complaint:
Wells Fargo ( Platinum Visa ) has recently instituted fees for connected to accounts with XXXX, and I presume other financial management tools. This is the first time I have seen this, and I believe that this is an intentional barrier to customers ' ability to access their own financial data in a relevant way for effective management of their finances. I believe that this is done in hopes that it will lead to errors on the customers ' side so that Wells Fargo can rack up higher interest rates and over limit fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up. 
i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened an account in Chase Bank in 2012. I am a XXXX and I reside in my home country XXXX. I suffered from identity theft. All my personal information was stolen I do n't know how and these hijackers or whoever dos this made several transactions to XXXX different people, I do have their names and I know they are located in XXXX XXXX. Unfortunately, I found out about this about 8 months after when I tried to acces my account and it was bloked. I flew to USA as soon as I could to find out what happened, it is then when I found out about my money being stolen. The bank took some days to investigate, but they end up closing the case. According to their policy if I did n't complaint before 60 days there is nothing they can do to get my money back. Now I 'm in XXXX because I was told the main office is located here. I already file a police report and I want my case to be reopen so can persist on getting my money back. It was about {$16000.00} that I saved with very hast work. Please share my story so this does n't happen to many more people. I hope to get my money back though you. Please help me to show that these money transfers were not made by me. Thanks for your time to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My son went to school in XXXX university XX/XX/2005, I have a student loan for {$40000.00} still paying for 10 years. I called several time to the company that Have my loan ACS to try to lower my payments and they keep telling me That they need my husband information to applied for the loan to lower the Interest rate, my husband is not the father I been married with him for 8 years. 
Last week I decided to call an attorney and they asked me if I have the note From the lender, I do n't have any note I called XXXX school and they do n't have any Record of my loan, I called ACS and they told me that they have the note and Request a copy I was supposed get it in the mail in 2 days i never got anything. 
I really need some advise with this I 'm XXXX years old and still owe {$40000.00} in student Loan. I will appreciate if I can get some help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was contacted by my credit union and told a check that was paid to me had been written on a closed account. The agent worked in collections for Navy Federal Credit Union. The agent advised me that I would need to repay this check. I informed her that I also had lost out on this project and if it would be okay to make payments to reduce my balance. She said that this was okay so I paid XXXX on XXXX/XXXX/2016. This was the same day she called. I informed her that I would make another payment around the first that I had to try to secure payment through my child support payments. My balance was XXXX We both agreed that we would tough base around XX/XX/XXXX to make arrangements for another payment. On XX/XX/XXXX I missed a call from the agent because I was at work and could not answer the phone. Once I arrived home I went to do my monthly budget to try and make some sort of payment when I noticed that XXXX was missing from my account. I immediately called customer service were I was told the agent had submitted notes on XX/XX/XXXX that I had agreed to her taking XXXX from my account. This of course was not true and the last I knew my balance was only XXXX. I asked for funds to be reversed because this was part of my rent payment that comes out of my account on the XXXX of every month. I was informed that their hands were tied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
I paid off a Navy Federal Loan on XXXX/XXXX/2014 in full, yet Navy Federal is reporting the current loan status past due XXXX days. I am requesting Navy Federal send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect the correct status as " Paid and Closed ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I opened a card with JP Morgan chase bank in XXXX. Their first statement got issued on XXXX XXXX, 2016 with a balance due ~ {$2700.00}. My payment was due on XXXX XXXX and I made my payment through automatic minimum payment setup. Then I posted {$5000.00} payment on XXXX XXXX. JP Morgan chase assessed finance charge of {$73.00} on while balance due and not only on the balance that was leftover from first statement. I called up customer service and they mentioned they charge interest on the whole balance. That means, even if I purchased an item on XXXX XXXX, they will still charge a full month of interest on the balance due on XXXX XXXX. That means I am paying interest for time on an amount for which I did not borrow the money. This is inappropriate and robbing money from small consumers like us. Please help and review. With this type of payment policy JP Morgan is looting XXXX of dollars from consumers for the time where money was not borrowed. They pointed to the agreement we signed which never shows example of the case above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account XXXX XXXX DPT EDXXXX Account # XXXX XXXX XXXX Account # 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 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 2016-10-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last year, on my way to the airport to catch an international flight, I stopped at a Wells Fargo branch to pick up XXXX which I had ordered in advance for my business trip. Once I checked in with the Wells Fargo teller, she reviewed my account and immediately told me there were additional account opportunities that would benefit me ( as Wells Fargo tellers almost always do on branch visits ). I informed her I was in a rush to get to the airport for my flight and not interested in any additional services, only in picking up my advance order of XXXX. She told me that I would not be able to receive my XXXX until I opened the new checking account she was offering, suggesting that my existing checking account would soon expire and needed to be replaced, especially prior to international travel. Worried about being denied the XXXX I needed for my business travel and the possibility of my current debit card being declined abroad, I agreed to open the new account she was suggesting but only if it would take 5 minutes or less to set up. 40 minutes later, I was still sitting with a personal banker, finishing registration for a checking account that I was pressured into opening and did not need. I voiced my frustration with the Wells Fargo 's employees ' disregard for my urgency, was eventually given the XXXX I needed ( along with a hefty folder filled with information about my brand new checking account ), and was finally free to continue on to the airport for my flight, 45 minutes later than planned. 

A few days later, I was still feeling uneasy about the experience I had at Wells Fargo, so I explained the situation to my father, a former Wells Fargo District President, who quickly told me that they had no business forcing me to open a checking account I neither wanted nor needed. He urged me to call Wells Fargo to have it closed immediately, which I did. My father had significant firsthand experience having worked within the company and knew what they had forced me to do was not right. ( In fact, his opposition to Wells Fargo 's suspicious operations led him to pursue a career in state Banking regulation. ) I have remained a customer of Wells Fargo purely for convenience reasons, though I am now hyper-aware of their slimy tactics to push unnecessary services on their customers. I can only hope that this experience did not negatively impact my credit score and that Wells Fargo never takes advantage of their other loyal customers in the same way.

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 2015-12-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a total of XXXX overdraft fees for a XXXX dollar purchase I my account. When calling Wells Fargo to see if they can waive just XXXX of these fees they stated that it was my fault and they could not do anything. So I was charged over {$150.00} dollars for a XXXX dollar purchase. ( XXXX total charges of XXXX ). I spoke to XXXX people who were extremely rude and disrespectful. I do n't think that charging me this amount of money when I clearly do n't have the money is the right solution. I even had a family member transfer money into my account to try and avoid these fees and it did not go through in time to avoid this. However, the people I spoke with still stated it was my fault. This bank is clearly just trying to make money off of me and I do n't find this comforting to know I bank with them. I am very unhappy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo Bank has refused to reimburse me for monies that were stolen via the ATM using my savings account and presumably a pin. At no time did I authorize anyone to continuously use a debit card to withdraw money from my savings account nor was pin written down or given to anyone. This fraud was done sometimes 2-3 times a day on different debit cards. Since the fraud also happened on my checking account with illegal purchases, after reporting the fraud on my checking account to Wells Fargo and since these were for purchases, Well Fargo reimbursed me. So I would keep getting new debit cards. Since I never used my debit card to withdraw money from my savings account, I did not notice that fraud was also be used against my savings account slowly draining my account. I understand Wells Fargo policy of how many days I had to notify, etc. and although there was over {$2600.00} worth of money that was taken against my account, I was not expecting the entire amount. However, Wells Fargo still insisted that these were done by me or someone I knew and have refused to reimburse my account. Thus, over {$2000.00} of my money has been stolen and Wells Fargo ( because they ca n't prove otherwise and presumably their fraud insurance does n't cover this ), had just shut down my account leaving me to find a new bank. This all took place in 2016.

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 2017-02-15
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of XXXX an account was opened at Wells Fargo in my name using my address. A check for {$12000.00} from the District of Columbia for a tax return for XXXX was depositied and then withdrawn via the ATM in a span of five days. There are only three people in the country with my name. I had a mortgage account with Wells Fargo but no bank accounts. Wells Fargo did not adequately take measures to prevent this identity theft and my total loss of this tax refund.

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 2021-03-23
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is in reference to previous complaint XXXX. Security Collection Agency is in violation of multiple FDCPA violations and I demand to be compensated for each violation which I have attached with proof. Simply deleting this unvalidated debt which is a violation of 15 USC 1692g from all consumer reports is not enough for all the pain and shame this has caused me. My credit reputation has been impacted tremendously and this has stopped me from obtaining credit that I should have otherwise been approved for. This matter has also caused tremendous shame as this company furnished this unvalidated debt to consumer reporting agencies essentially making this private matter public and broadcasting it to the public. I am expecting to compensated by check to remedy this matter as well as this unvalidated debt being removed from all consumer reporting agencies expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: OneMain Finance Corporation
State: MN
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:
I called One Main Financial and asked for amount needed to pay off the loan which I owed them. An amount was provided for which I agreed to pay them off. One main Financial requested that I bring a certified check in order to pay off the balance. I complied and in my view, all went well. Thereafter, I noticed that my credit score dropped by over XXXX points instead of rising. On verification, I was made XXXX understand that One Main Financial reported to the credit bureaus that I had settled the debt for less than full amount. One Main Financial explained that there were accrued interest which was deferred in the past and needed to be paid. Long story short, I explained to them that there was a communication problem, and as such, my request was either not well understood or I did not understand their explanations So I wish to pay them all their money because I need to clear my record in order to apply for financing for an industrial project. I had paid off the amount asked of me, and the {$900.00} remaining was not an issue. I want to pay it off as well so my record could be clean. 
One Main Financial has refused to do anything to correct this. I need them to collect their money and report it to the credit bureaus as paid in full - being what I was assking from the beginning. 
Please, step in to assist me to correct this. I have the funds to pay their money in order to free me proceed me with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo home mortgage continues to use " mortgage backed security '' as an excuse to deny us any further help and acknowledge that the loan terms and structure of the loan modification that we were forced into signing on XXXX XXXX 2010 and if we did n't, they threaten us with foreclosure. They keep assigning different representatives that claim to research our concern and dispute, we always get the same response that theirs no evidence of any wrong doing by Wells Fargo Home Mortgage or its investors. So for the past five years we have been paying interest only to Wells Fargo Home Mortgage and current still have an Adjustable-Rate Mortgage ( ARM ). Wells Fargo has made it difficult and impossible for us to repay them and currently forcing us into foreclosure again. We have been targeted, abused with all these practices from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage claimed to help us under the program Making Your Home Affordable but did the " BAIT AND SWITCH " on us with this XXXX loan with step Rate - Interest Only. We have been targeted since the beginning because we are XXXX and live in a city which is predominant XXXX.

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