BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
JPMorgan has withdrawn money from my money market account without my knowledge or permission and has created a deficit or negative balance in it as a result. Simultaneously, it cancelled a recurring, prescheduled bill payment from my checking account to a student loan servicer, XXXX, without my knowledge or permission. Furthermore, again without my knowledge or consent, it completely eliminated XXXX as a payee I set up so that there is absolutely no trace of it or easy access to all payments that were made to it for several years. The last electronic payment made to XXXX from my JP Morgan checking account occurred on XXXX XXXX 2015, transaction # XXXX. This kind of raiding of my account, causing deficits in my account, cancelling scheduled payments and causing me to fall behind on a student loan payment, apparently, in collusion with XXXX, is an outrage that JPMorgan should be seriously sanctioned for and prohibited from ever repeating. Why are they allowed to arbitrarily take money from XXXX of my accounts, cause negative balances in the process of doing so, cancel legitimate bill payments that have been in place for years and collude with a student loan servicer so that my regularly scheduled payment is not made?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX DATE REPORTED : XXXX/XXXX/2007

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I took out a loan beginning in XXXX. I signed all of the closing paperwork documents On XX/XX/2020 And provided all documentation prior to signing as the process happens. I've been continually contacted since then to provide more documentation. XXXX even requested documentation for card and account that I do not own. I have reported this to several different people and ask for supervisors on 2 different occasions and have never been called back. So I have a sign loan contract and bills that are unpaid because they will not send out the amount the contractor is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX I made my auto loan payment in branch for Wells Fargo Dealer Services. I made my regular payment of {$250.00}, and an additional principal payment of {$1200.00}. When I received my XXXX statement, they had made 4 monthly payments instead of crediting my principal. I called on XXXX XXXX to the call center at XXXX to have my payment properly posted and was told it would take 3 days to complete. When I checked my balance on line on XXXX XXXX it had still been applied improperly. So I called again on XXXXand spoke with a XXXX who stated that he would get it corrected. On XXXX/XXXX/XXXX I checked my account again and it was mis applied once again and now showing that I owed a balance of {$28.00}. So I went into my local Wells Fargo Branch where they called in and spoke with someone who said it again would be corrected in 3 days. In the mean time, I made my XXXX payment of {$250.00} on line on XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX I made an additional principal payment of {$300.00}. When I received what should have been my XXXX Statement, they are now showing I have a past due balance of {$28.00}, Due on XXXX/XXXX/XXXX ( Statement date is XXXX/XXXX/XXXX ) with a late charge of XXXX due. SO on Friday, XXXX/XXXX/XXXX I called again and spoke with someone by the name of XXXX XXXX, who stated she was a supervisor and would get my account corrected and call me on XXXX/XXXX/XXXX. Not only did I not receive a call back, but I have now started to receive collection calls. When I called in this morning, no one could get me back to XXXX XXXX, in fact a " supervisor '' there gave me a phone number for her of XXXX which has been disconnected. And then proceeded to tell me my account is past due 25 days and if I dont pay them they will report this on my credit. All I have done is make my regular payments on time, and attempt to pay down my principal balance, which they are impeding and making my account past due with their " correction '' errors. Can someone please help me get this resolved before my credit gets impated over their inability to properly post payments? I tried to call another number and all they said was that they would send " XXXX XXXX '' an email to call 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 non-monetary relief
Consumer complaint received 2015-07-21
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2015 at XXXX EDT I requested a money transfer using Western Union from within the XXXX website. XXXX website connected me directly into WU 's website. There was no way for me to log into my WU account. 
I thought it would allow me to transfer directly from my checking account to my friend 's bank. I entered the required information on each webpage. Before I realized it the WU screen popped up with a receipt with the tracking number for my friend to pick it up from a WU agent. That 's not what I wanted! I knew my friend would n't be able to go pick it up. 
I immediately called WU to cancel the transfer. The CSR there said, no they could n't cancel it, my bank had to cancel it. 
I immediately called XXXX, the CSR there said they have not way to cancel the transfer on their end. 
I called WU back, the CSR told me, they would cancel it and I would have the funds back in my account right away. 
I kept checking my account online that day and the next day and the next day and the next day ( As of today, the funds still have not been credited back ). 
I called WU again and they said it could take XXXX business days for the refund to show up in my account. 
I called WU again on XXXX XXXX only to be told my bank had to call WU to release the funds. 
I finally got around to calling XXXX today. Had to convince the CSR to call WU. She finally did and then the WU agent said she was n't allowed to have a XXXX call when gave them the cancelled WU tracking number. I had to hang up and when the XXXX CSR called me back she said I could pick up the refund at any WU office. When I asked for the tracking number ( that I know WU requires ) the call was disconnected. I called XXXX back and told the CSR the whole story again, she said she 'd have to put me on hold for XXXX minutes. XXXX minutes later she came back and said she 'd have to keep me on hold a little longer while she looked into the problem. XXXX minutes later the call was cut off, I presume by the bank reaching a time-out limit. 
I called the bank again and demanded to speak to a manager. The CSR then said his supervisor was n't available and can he have her call me back. I said no. I want this resolved, then I recounted the problem. He said the only thing he can do was contest the transaction with WU and it would be XXXX days before I would have my funds back. I then relented and gave the CSR my phone number for his supervisor to call. 
Am waiting for the supervisor to call back right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my second complaint I have reached out to the bureaus and I have received no response of my dispute. According to the FCRA the rules have 60 days to respond due to the pandemic. I am beyond frustrated with this issue I sent my letter to the company I have no notice that they have even. Started an investigation I want results now!!! I sent that letter out on XX/XX/2020. There is no reason it should be taking this long please send me results immediately

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 2022-10-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from CHASE bank saying that my account will be closed on the XXXX of XXXX for no reason. I talked to the branch manager and he can't give me any solutions and he doesn't have additional information, which is bank private information. I would like them to review this position and keep my account operating, as I never use extra limits, and I always keep good value in the bank. I see no reason to close my account. This will cause a lot of problems as all my family expenses are associated with this account. It would cost me a huge amount of energy to set it up all over again. And I don't think it's reasonable for other banks to question me why I had my account closed if I didn't give any reasons. I ask you to reconsider this position that you have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
After paying XXXX mortgage payments to Wells Fargo for XXXX different mortgages in XXXX different states. Wells Fargo then went into a totally different account and drafted another payment for the mortgage in North Carolina which was {$690.00}. The XXXX payment for {$690.00} that I paid Wells Fargo applied to interest only, not to my principle payment. The XXXX payment that was taken was unauthorized by me. It was taken from a third bank account. The same account in which Wells Fargo said they could not draft from because it was a custodial account. Yet, Wells Fargo went into this account that I had deleted from Wells Fargo 's website. Wells Fargo was not authorized to take any funds from the last account. Also, Wells Fargo told me they had contacted my financial institution and was told it was a custodial account and therefore, Wells Fargo could not draft funds for the account. Then Wells Fargo turns around and draft another payment in the same pay period from the account. 
Spoke tp XXXX XXXX on XXXX XXXX, 2017 at XXXX on XXXX who said she would call me back when she found out why funds were taken from the account after payments were already made. I have not heard from 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 2021-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I took advantage of a program called XX/XX/XXXX I qualified for $ XXXX assistance that went towards my principal that brought my home in line with the current market value. In XXXX, XX/XX/XXXX transferred the servicing of my loan over to Select Portfolio Servicing. I have been trying for the last year to have the PMI removed in which they were the ones who initially brought to my attention that my LTV value would permit it. They have giving me the run around after I paid their BPO they use {$120.00} to come out and give them the value of my home. The PMI costs me {$99.00} per year, which in turn has cost me over {$1000.00} and climbing because they refuse to release that amount due every month. We have gone back and forth from them telling me that I don't qualify due to having been late on my payments, to the value of my home, etc. When you call the company most of the representatives seem to not even be familiar with the mortgage process or verbiage when asking questions. So there in itself seems as though they hire incompetent people to assist homeowners. The balance on my home is {$150000.00}, the value of my home is over {$220000.00}. I feel like I'm apart of some type of predatory servicing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.

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 2021-01-09
Company: Navient Solutions, LLC.
State: FL
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:
My name is XXXX XXXX I am aXX/XX/XXXX XX/XX/XXXXmostly patients XXXX and above in XX/XX/XXXX XXXX FL XXXX I finished my training programs in XXXX and wanted to serve my community better so I got a job with a non profit with XX/XX/XXXX. 

In XX/XX/XXXX I started working as a XX/XX/XXXX with XXXX XXXX XXXX of XXXX. Tax ID/EIN- XXXX My wife wanted our kids to be closer to their grandparents- so we moved to Florida. I stopped working at XX/XX/XXXXin XX/XX/XXXX - So I worked for this non profit employer about 3 years and 9 months. 

I started working for XXXX XXXX XXXX XXXX XXXX XXXX on XXXX I am currently employed by XXXX XXXX XXXX XXXX XXXX the XX/XX/XXXXXXXX their Tax ID/EIN- XXXX. 

I have been paying off my student loans since XXXX. I consolidated my federally subsidized and unsubsidized student loans around this time with SallieMae. These loans were converted to Navient loans automatically in XXXX. I have since been making student loan payments with Navient. 

I have been working at non-profit clinic for about 11 years now. Someone mentioned this Public Service Loan Forgiveness program. This week I went on the StudentAid.gov website to learn more. The two non profit companies I have worked for since XXXX are " Eligible '' but the website is telling me I have to have to have 10 years of " Direct Loan '' payments to qualify and not FFEL loans-Family Federal Education Loans ( the Navient loans I have been making payments on are FFEL loans ). 

Many other applicants have had this problem and complain the PSLF program is a poorly run Federal Program-as documented in these articles. 

https : XXXX https : XXXX? XXXX https : XXXX The current system is hostile to the student loan borrower and does nothing to promote working for non profit programs. Here are my complaints : -Many employees of qualifying Non-Profit companies ( possibly over half of employees ) with college degrees have federal student loans. Most non profit companies do not tell their employees about the PSLF program. 
-For many paying off Federal student loans the PSLF program remains a secret program. 
-In XXXX when I started making loan payments- Sallie Mae before Navient did not explain the PSLF program. 
-My loans were automatically transferred from Sallie Mae to Navient- Navient did not explain the PSLF program. 
-The Department of Education never contacted me- as a non profit employee making loan payments- about the PSLF program. 

if you want to reach me that would be great- my email is- XXXX and my phone number is XXXX thanks. I have faith that the US Department of Education really cares about people like me who have devoted their lives to public service. I'm surprised XXXX XXXX hasn't fixed these problem yet- President Trump says she's really smart. He knows all the best people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: SYNCHRONY FINANCIAL
State: IL
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:
I made a regular transaction on XX/XX/XXXX at XXXX to send money to my family. I just checked my account activity last night and see that I was charged a cash advance fee ( and I am assuming interest when the statement gets generated ). I reached out to XXXX  since I didn't see any notification or message that I may get charged cash advance fee. They shared this link with me - https : XXXX and asked me to reach out to my credit card company. It looks like XXXX somehow coded my transaction to benefit themselves and posted it as cash advance. The customer support was not at all helpful and denied reversing the fee/interest. I just got this card and was not expecting this kind of experience where the company is outright cheating and deceiving customers. I would like them to reverse any fees/interest for this transaction. I have already paid the balance due on my 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 monetary relief
Consumer complaint received 2017-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX yes they.s 6 or 7 times in the morning in afternoon may be 12 times " portfolio recovery associates " llc

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Have tried to get a loan modification from ocwen but they keep saying I did n't send everything in XXXX time so I kept going through the motions. In the meantime, a tree fell on my house blowing fuse box and wire along with a tree through my living room roof and ceiling. It 's been XXXX days without power. I and my animals are dehydrated and I spent XXXX to stay somewhere else and pay part of tree removal. Because they got a FORCED policy on the house, they refuse to give me the money to fix my house and get power back on. I would love to keep my house but I have seen too many complaints about ocwen to know that they will not help. Also, I ca n't speak to an american. I do n't understand any of them. I now have no money to stay elsewhere until they make a decision and do n't have anymore money to fix the power and roof myself. I need help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Scam checks were deposited into my account and the man who sent them to me threatened me to send them back through XXXX XXXX and then those checks bounced back so now Im left with a overwhelmingly huge negative balance in my account which I can not afford to lose. I tried calling my bank they said they annoy recover the money and I tried calling XXXX XXXX  support they also can not recover the money. Both of them said to make a police report and the police also said theres not much they can do.

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 2022-10-12
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Truist, I am contacting you all in regards to my Business Checking Account ending in XXXX. 

I filed a fraud report for the transaction that took place on XX/XX/XXXX in the amount of {$46000.00}. 

I initially reported this transaction on XX/XX/XXXX however I just found out that my claim was never properly submitted and that it never was being processed. I just assumed it was taking a long time given it is a higher amount. 

Therefore, I filed a new claim which is associated with Claim # XXXX. 

In accordance with Truist Bank policy I am hereby requesting I receive a provisional credit for this transaction while it is under investigation within 10 days of this transaction being reported. It was re-reported on XX/XX/XXXX and I have not yet received a provisional credit and hereby request I receive said credit and that it be made permanent after the investigation is complete into this fraudulent transaction. 

Please handle this matter in an urgent fashion given this is a lot of my funds and a significant amount of my account balance. 

In the event I dont receive a provisional credit while this transaction is under investigation I will have to get my attorney to file a lawsuit given I relied on Truist Banks policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Unified Global Group
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received several calls from a company called Unified Global on a debt I believe to be payroll advance but I am unsure. A XXXX XXXX said this was my last chance to settle debt or he would tale me to county court. He was talking in intimidating manor and several vailed subtle threats about garnishing wages etc however i am filing for XXXX and have no job. He left message on my phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation