BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Wells fargo because they have a property that has been on the auction for almost three years now. I contacted the executives and got a response from a XXXX XXXX XXXX. He told me that the bank would not accept any offer lower than the reserve price which was XXXX under any circumstances and if the house did not sell after the date of the end of auction. The house would be giving to HUD. Two days later I check Auctions.com and the house is back on listing and XXXX XXXX dollars cheaper. I contacted XXXX XXXX and have n't gotten a respose yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: WELLS FARGO & COMPANY
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
on XXXX/XXXX/16 Wells fargo dealer services received an application forwarded from open roads lending. This application was not completed by me and is a fraud. Wells Fargo ran my XXXX credit report, but failed to have proper authorization.

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 2016-05-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a Loan Modification with Well Fargo ( WF ) due to extreme hardship. They denied me based on false income information. Even though they had copies of my pay stubs, they ( WF ) decided to increase my monthly income by {$1600.00} so that they could denied me a Loan Modification. I will attached a letter that explains more details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
I took out a credit card through Wells Fargo to purchase furniture at XXXX XXXX. I was lead to believe that the payment schedule set up in the store would satisfy the payoff requirements to take advantage of the no interest loan over 12/18 months. This was not correct and when the balance was due I could n't afford the balloon payment and was charged back interest at a rate of 28 %. If I had known that the payment schedule set up for this loan was insufficient, I would have purchased less. In fact, I tried to purchase less and the XXXX XXXX employee said he restructured the loan so that i would only be paying XXXX a month. He assured me that this payment schedule would satisfy the no interest loan requirements. This has put me in a very difficult situation and I feel that I was seriously mislead by the individual at XXXX XXXX. I have contacted both XXXX XXXX and Wells Fargo and they have told me they are unwilling to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09
Company: 360 MORTGAGE GROUP LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Citibank issued a prepaid/debit card for a refund from XXXX XXXX after switching service from XXXX XXXX. This refund was issued in my deceased husbands name b/c the account was in his name. The card has been lost/misplaced and is due to expire on XXXX XXXX, 2016. I have contacted Citibank 3 times in an attempt to have the missing card replaced. They have refused to do so without paperwork from an executor. I have explained that there was not an executor of his will as nothing went through probate and faxed them the will ( twice ) to show that all of his possessions were left to me. They have not noted the account as such and say that they have not received the will. I find their refusal to replace the card invalid as the first card was sent out after my husband 's death and feel that they are keeping the money unfairly. I am a XXXX year old widow living on social security and the {$87.00} they are refusing me could supply groceries or other needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ACCT # : XXXX ORIGINAL CREDITOR : XXXX ACCOUNT STOPPED BY ERC AND SOLD TO XXXX. ACCOUNT HAS SINCE BEEN PAID OFF IN FULL BUT ERC HAS NOT REPORTED AN UPDATE TO CREDIT BUREAUS SINCE XXXX OF 2015. ATTEMPTED TO CONTACT THEM USING ALL PUBLICLY AVAILABLE CONTACT INFORMATION TO NO AVAIL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Credit Card Dept sent me a solicitation to upgrade my XXXX XXXX XXXX Credit Card to a Premier XXXX Rewards Credit Card in XXXX 2015. They promised me XXXX XXXX XXXX XXXX if I charged {$2000.00} with them in 90 days. I called them on XXXX XXXX or so and spoke with an agent who approved me for the upgrade without a credit report since I was already a customer, provided I spend {$2000.00} on the card in 90 days. I spent {$4000.00} in the time period and questioned them many times for my XXXX miles. 
I was told by many agents that I was approved and the marketing dept would send me the XXXX miles to my SouthWest Airline Rapid Rewards account. Nothing happened. 

I filed a complaint with their Executive Offices and Chase just blew me off. Finally last week an executive office agent named XXXX stated she reviewed the tape recording of XXXX XXXX conversation with me and I was correct that an offer was made to me and I did fulfill the requirements BUT, she said the agent told me I could not get a Premium card without Chase securing a new credit report. I ASKED TO HEAR A COPY OF THE XXXX XXXX CONVERSATION BUT CHASE SAID I NEED TO SUE THEM AND FILE A SUBPOENA TO HEAR THE TAPE. Another rep said the agent on XXXX/XXXX/15 conversation made a mistake. I followed the solicitation and did what I was told. I want my XXXX airmiles as promised. We had a deal and the tape recording proves it. I want a copy of the recording and my miles and an apology from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I received no written notice or reminder my payment was due on XXXX credit cards that were due today. When I remembered tge payment needed to be paid today, it was past their cut off time. Their app I use to pay my credit cards states to call them if you are making your payment past a certain time. I contacted them only to be told I would incur a late fee and that in future I might want to sign up for auto pay, I told them I wished that had been offered this service before today. No one had ever told me this. It just did not seem fair after talking to a supervisor also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint last year but thinking that Chase was going to resolve the issue did not follow through with it. I am still about to lose my home after Chase lost my cashiers check and my loan modification paperwork, only to find it a year later. Even though it was found they still will not work with me on a modification. The modification that was worked out in 2010 was perfect. I should not be punished for them losing my paperwork. I have all the documents that i can send to you from the past 4 years. I dont want to lose my home. It is not my fault that my paperwork was lost. Please help. I want to go to the original loan modification in 2010. The finance rate and payments where going to alot lower. My rate now is 8 %. I am just an average person trying to make a living but wanting to keep my home ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I opened a new mortgage with Chase bank, and I then tried to sign-up for the Chase Cash Back Advantage program which offers a 1 % rebate when setting up automatic payments from a Chase checking account : XXXX was told that I am not eligible for this program since my mortgage originated with a mortgage broker. 
The offer very clearly says " Mortgage Cash Back works with any new Chase mortgage or refinance. '' yet the bank referred me to fine print that says " This offer is only available for new, residential first mortgage purchase and refinance loans submitted directly to Chase. " Since my mortgage originated with a broker, I was told that I was ineligible. 
I believe this is deceptive advertising as the offer clearly states " ANY new Chase mortgage '' [ emphasis mine ], not " some '' or " eligible '' Chase mortgages. If a bank is able to clearly advertise XXXX thing, and then contradict itself the fine print of the terms and condition, there is no limit to the deception that would be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Chase sent me a misleading pre-approval letter stating that I have been offered with a Chase Sapphire credit card. There is nothing on the letter suggests that it is a advertisement and I may be disapproved. It stated it was an offer, and an offer is a contractual binding if both parties agreed on it. Therefore, I went ahead and provided them my information. It ended up Chase 's lending team disapproved my credit card despite the fact that I was pre-approved. I think what Chase 's credit lending team did is misleading, deceptive, and it create monetary damage on consumer ( I wasted my hard inquiry ). I believe Chase 's credit lending team violated UDAAP Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In early XXXX I cancelled my automatic payment for XXXX. Citifinancial does not dispute this.However, they neglected to cancel the payment, causing me a XXXX charge. To compound the issue, they redeposited the payment despite me calling them at the end of XXXX to complain about their ineptness and causing me a great deal of stress and embarrassment.Now it has caused me XXXX which they refuse to reimburse unless I fax a bank statement showing these charges. I have no available fax machine nor should I be forced to pay additional money for their stupidity.I told them to call my credit union to verify a returned check fee. They refused.I 've had to deal with a great deal of XXXX, XXXX and embarressment because these people ca n't do their jobs correctly.Fortunately, all my checks cleared before this ET got to my account or it would have been a tremendous mess, which again, caused me great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: CITIBANK, N.A.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have tried for months to get my monthly private student loan payment through Citibank lowered. I have explained I am not working and have not been working for over a year and unemployment ran out. They agreed to let me defer one month ( because they said that 's all I had available to me XXXX. They have called me at all hours of the day and night, sometimes 5 times a day if my payment is late. When I ask for help they have told me time and time again that they can not do anything and it will just have to go to collections and I can just deal with them. They have no compassion, no understanding and could care less that I am not working ... they asked me how I plan to pay my monthly payment and I told them I will have to start selling my personal property and their response was well you have to do what you have to do. I have never been more disappointed in my life with a financial institution. I am just asking for my payment to be lowered, I am not asking them to pardon me from paying back my debt. I went to the University XXXX XXXX online and completed my XXXX Degree.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CITIBANK, N.A.
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am trying to get a lien release from CitiFinancial Corp. the lien was applied to my Property in Kansas with a loan for siding in XXXX. The loan was Paid in full in XXXX. The Lien is keeping us from the home improvements we need to make to our home. I began requesting the release of the lien on XXXX XXXX XXXX, XXXX through the Loan Company then by myself since XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out a title loan on my car. As of XXXX/XXXX/2016 it was paid off ( I had a {$0.00} balance ) but during the course of the loan the car had been repossessed for 'nonpayment ', but it was in error and they agreed to waive the reposession expense. I asked for my title once the loan had been paid off, but they claimed I still owed this repossession expense that they had agreed to waive. So I filed a complaint with that company and NOW they claim I owe over {$1000.00} past due and they have changed teh 'repossession expense ' from over {$500.00} to {$160.00}. I do n't know what they are trying to pull but I do not owe them this money. I have a letter dated XXXX where they claim I only only them {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00}

Company response to consumer: Closed
Consumer complaint received 2015-11-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Simultaneously I applied for, and received, XXXX mortgage modification trial packages with the same bank. My first mortgage was {$44000.00} ( balance owed ), XXXX mortgage was a Line of Credit ( {$150000.00} ). I followed the directions for the trial period to the letter for both modifications. I paid on them for 8 months, then to my surprise the bank refused to accept any more money on the first mortgage and then I received a Intent to Acceleratate. The XXXX mortgage ( Line of Credit {$150000.00} ) converted to a permanent modification without further incident. They are now foreclosing and taking my house away after living here for 28 years. No one will tell me what I did wrong. THEY STOPPED ACCEPTING PAYMENTS THEN SUED ME FOR NON-PAYMENT AND ARE TAKING MY HOUSE. How can they do this and why are they doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage servicing company, OCWEN, has failed to make an earnest effort in accordance with the Make Home Affordable policy to help our family re-negotiate our home loan balance, which at the height of the Housing Crisis in XX/XX/XXXX-XX/XX/XXXX, reached nearly {$200000.00} in negative equity. OCWEN declined requests for modifications that were submitted with reasonable justification of loss of family income from XXXX to XXXX income source, medical determination of my husband 's XXXX, and a high debt to household income ratio. On XXXX occasion, a OCWEN representative 's advice was for us to miss several monthly mortgage payments to allow our home to go into pre-foreclosure as a basis for OCWEN to consider adequate justification for us to request a loan modification. At present, our family has cut living expenses where feasibly possible in an attempt to pay down our mortgage balance to equal the amount of our home value, presently a difference of {$100000.00} negative equity, so that we may refinance at an interest rate less than our current 6.25 % rate. The primary purpose of this complaint is to report OCWEN 's pretextual policies and lack of incorporation of the Make Home Affordable initiatives in OCWEN 's mortgage loan policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made XXXX online debit transactions on XX/XX/2016 for {$15.00}. I checked my mobile app and make sure that the items were on pending and money was available for the transactions. By XX/XX/2016, when I check my bank app again, the XXXX transactions were no longer listed as pending and my balance were down, therefore I assume the transactions were completed and done. I then wrote a check for {$540.00} on XX/XX/2016 and on XX/XX/2016, I deposited enough money to make sure the check will go through and my balance was over {$550.00}. On XX/XX/2016, the XXXX transactions I mentioned above suddenly reappear and my check also went through and now the my account got overdrawn and the bank charged me {$34.00} for overdraft fees. I called the bank and explain what happened and they explained that the {$14.00} items were dropped as transactions because the seller did n't collect their money by XX/XX/XXXX and that they decided to collect it on the XX/XX/XXXX. Evidently, it 's the bank practices that if the seller do n't collect their money within 3-4 business days then the bank would dropped the transactions but if the seller decided to collect their money in a month from the transaction 's date then it 's still okay to pull the money from the account. I told them that it 's a false illusion to the consumer that if a DEBIT transaction was made and money was drawn and put on hold then the money should n't be put back to the account. If there was any DEBIT items that were dropped by the bank then they should notify the account holder so we wo n't get blindsided by it and also get a chance to make arrangements so the transaction will go through. I asked the bank if they would refund the overdrawn fees and they said no, and they ended up blaming me for not paying enough attention to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was not offered an income based program while I was going through financial hardship and was falsely made to believe that the 3rd party enrollment agency I was going through to get me into the income based program properly was a scam. Nelnet caused me to place fraud reports on a legitimate company and tarnish their record while holding me to a payment I could not make having it adversely effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Their investigation did not fix an error on your report

Complaint:
TransUnoin File Number : XXXX. | ** They are denied my request for dispute stating that it is unauthorized. So TransUnion won't process my request for File # XXXX. I am reaching out to CFPB to help with the delay tactic and refusal of my rights to dispute. | * See Attached Documents

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