BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Back in XX/XX/XXXX I applied for Income Drive Repayment. I received an email XX/XX/XXXX letting me know based on my income I would be on a Pay as you Earn Plan and my payments would be totaling XXXX. In XX/XX/XXXX I was hit with a bill for XXXX. When I called they assured me that I did not need to make this payment and their supervisor 's were looking into it but they had no idea why that was happening. They took me off direct debit and told me NOT to make the payment. When it still was not resolved in XX/XX/XXXX I called again. This time I asked to talk to a supervisor. The supervisor I talked to basically told me there were two bills in XX/XX/XXXX one for my PAYE amount of XXXX and another large one that made the total over {$800.00} and because I did n't make the payment of XXXX that it was my fault the issue still had n't been resolved! She told me to keep making the payments of my approved PAYE amount but my account still says I am past due and I owe XXXX. On top of my past due amount my account now says I owe XXXX for the month of XX/XX/XXXX. I have no idea where they are getting this number? It is not what I was approved to pay. I have called several times and each time they tell me something different about my loan total. I just want the issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-17
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergent Outsourcing Inc communicated with me without my permission 15 USC 1692c ( a ). They are also using my information, I did not give them permission to obtain, for financial benefit.

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 2022-07-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Morgage Services bought our loan in XXXX for {$200000.00} while we where in forbearance. We laid out our plans to exit forbearance on XX/XX/XXXX & move the missed payments to the back of the loan in XXXX. In XXXX we Contacted Carrington about coming out of forbearance. Carrington tried to push us into paying the missed forbearance payments up front or over a 3 month time frame. Plus they told us the amount due on the loan was {$200.00} XXXX. When we bought the home for {$200.00} XXXX & made 5 or 6 months of payments, with a 2.86 % interest rate before entering forbearance. Based on that we filed a complaint. Now Carrington is refusing to take a monthly mortgage payment until the missed forbearance payments are made and they raised out monthly Morgage payment. They did this because we have not paid them the missed forbearance payments or signed the paperwork agreeing to terms they are trying to impose. I have audio recordings of Carrington refusing payment and trying to blackmail us. I am willing to forward all audio recording in this matter. We don't want to lose our home so Carrington can exploit us for profit and this is a V.A. home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please accept this letter as a formal complaint against. JPMorgan Chase Bank. On XX/XX/2021 while making a wire transfer, we inadvertently put the account number in the space for the routing number and the routing number in the space the account number. Since that time I have exhaustedly tried to resolve the issue with Chase Bank to no avail. I then contacted the executive team which was no better and, in some cases, worse. 

I then sent XXXX XXXX XXXX and Chief Executive Officer a detailed email of the goings on, only to receive a call from a female from Chase, phone number XXXX indicating that we may never get the {$20000.00} back. As you can XXXX, that set off all types of anxiety, anger, frustration and a feeling of helplessness. 

I was not aware of where the money had gone, but somehow found the recipient bank. I spoke with a very knowledgeable person there ( whos name I have ) that said, all that needed to be done was to have Chase give me a recall form Wire remittance form have it submitted, and the funds would be returned. He certainly indicated that this was a normal course of action and was perplexed as to why it had not been done already. 

I take umbridge at having {$20000.00} dollars held hostage and none of the Chase representatives, XXXX, XXXX, XXXX, XXXX, XXXX or XXXX XXXX recommended or suggested that I complete the form to have my funds returned. This leads me to believe that this was purposely done a caused me to loose credibility with my customers. 

The remuneration I suggest is that they double my money back and send a letter of apology. Secondly train their EXECUTIVE TEAM on sensitivity and sensibility. 

Respectfully, XXXX XXXX XXXX Federal Deposit Insurance Corporation ( FDIC ) Federal Reserve Board ( FRB ) Conference of State Bank Supervisors ( CSBS )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been using a mobile payment service known as cash app. Monday XX/XX/2022 I was charged {$690.00} at a XXXX in XXXX I have never been to while still in possesion of my cash app debit card I cancelled the card and ordered another one thinking the card was compromised and was charged {$690.00} Wednesday XX/XX/2022 at XXXX am at a XXXX  in XXXX on the new card as well bringing my account negative while the card was in route and unactivated. I have disputed the cases but have yet to see my funds returned. I've come to the conclusion through my own research and personal experience that cash app has had a major data breach and is not disclosing this information to their customers. I and several others have posted on their XXXX about getting unauthorized charges from XXXX usually out of state and consisting of several hundred dollars on the cash app card, I have seen complaints on this issue going back 6 months or more. The charges are never authorized by the owner of the cash app account and the cards or data have not been compromised on our end to our knowledge. Further evidence that supports this is a breach within cash apps systems is that upon canceling the old cards and ordering new ones before receiving the new cards and activating them there are new unauthorized charges that occur on new cards. I beleive cash app should reimburse victims, make the security breach known and improve their security especially before trying to do taxes and leaving countless users open to scammers with no protections. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$0.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not 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 explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Attached is my FTC Identity theft Report for an inquiry I did not authorize, nor did I authorize anyone from the company to use my personal information nor did they have permissible purpose 15 U.S.C. 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX, I received an alert from my Chase Banking App saying I had a low balance alert. Upon reviewing the transaction history on my phone, I discovered an unauthorized transaction was made to empty out almost every thing from my account and was withdrawn from an ATM less than 5 miles away from my house. This withdrawal occurred at XXXX XXXX. However, during this time I was not in the city where the transaction took place and actually have receipts showing that I was in another city all night camping out for a release of an electronic. During this time, I made a transaction on my XXXX Card at XXXX PST. After, discovering about the unauthorized charge, I called Chase immediately and requested for the card to be cancelled and filed a claim for fraud. After almost 3 weeks of review, with no word from Chase, they  decided to reverse my claim causing my checking account to be overdrawn on XXXX XXXX XXXX. I spoke with 2 representatives over the phone, they both told me since the transaction had been made with my PIN, the charge was authorized, and they could not help me further with my case. As a response, I visited the Chase branch that the money was withdrawn from, requesting for a copy of the receipt for the unauthorized transaction and if it was possible to review the security footage of the transaction taking place. They were only able to get the receipt for the transaction, and was told surveillance footage can not be reviewed without a subpoena or by a peace officer. I was then told again that I would have to resolve my case through outside means. I have since filed a police report for the fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-05
Company: FCI Lender Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
FCI LENDER SERVICES, INC. CONTINUES TO PRESURE ME BEYOND THE STATUTES OF LIMITATION OVER 7 YEARS TO COLLECT ON A DEBT THAT IS NOT THEIRS AND THEY CLAIM I OWE THEM SOMETHING WHERE WE DO NOT HAVE A CONTRACT. ONE IT IS UNDERSTOOD THAT A BANKRUPTCY [ certificate of discharge notice in my possession incorporated by reference XXXX : XXXX ] WAS CLEARED IN XX/XX/XXXX THE MATTER AT ISSUE WAS AROUND XX/XX/XXXX AND IT IS NOW XX/XX/XXXX ...? 4 YEARS HAS BEEN CAME AND GONE AND THEY ARE STATING THEY ARE MY LENDER OUT OF THE BLUE. WHICH IS MISREPRESENTATION, FALSE CLAIM AND I AM BEING THREATENED AND SLANDERED. THE CONTINUED WRONG DOINGS, BAD BEHAVIOR AND VIOLATIONS OF NOT ONLY STATUTES, THE LAW AND CONTINUED VIOLATIONS OF FDPCA, NEEDS TO BE ADDRESS TO THESE CRIMINALS..

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 2022-07-17
Company: Experian Information Solutions Inc.
State: TX
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Have fraudulent/ unauthorized inquiries on my credit report from this company : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second complaint regarding this issue my account has been frozen for more than a month the citi vip team responded to me asked for my identification I submitted this and never heard anything back from them everytime I call I am on hold for at least 2 hours usually being hung up on or when I do talk to someone they tell me it's another department I have to speak to and put me on hold again this is rediculous I need my money they have no reason to hold it please help 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 2018-06-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im continuously harassed while at Wells Fargo bank branches in Arizona. I had to endure further harassment and discrimination today at a Wells Fargo branch. The bank limits my daily purchases to {$310.00} dollars, The bank refused to increase this limit. My Wells Fargo debit card information has been stolen at least three times in Arizona, The police have refused to process police reports in regards to this, since its based on obvious hate crimes, fraud and negligence involving both government officials and the Wells Fargo bank.

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit Bureaus for no reason dropped my credit score from XXXX to XXXX. No reason was given. On time payments shows excellent.Oldest credit history good.Credit used Excellent. Recent Inquiries average. Why has the credit bureaus trying to destroy me? 

XXXX XXXX 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 2018-06-03
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8.  An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CORELOGIC INC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Within the last 2 days, a company called Credco, formerly Core Logic did a hard inquiry on my credit without my consent. I have not applied for any type of loan or done anything to trigger a hard inquiry. When I called Credco they could not find any hard inquiry done by them based on my name and social yet they refused to fix the problem, blaming other companies. They suggested that I call the name and number associated with the hard inquiry. The name is CREDCO and they answered the number I called. They caused my credit to plunge by 31 points by doing this! I did NOT authorize this and I want it REMOVED.

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 2017-09-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX Wells Fargo notified us via mail they had sold our Reverse Mortgage to XXXX XXXX of XXXX, TX effective XXXX/XXXX/XXXX. We are not in default and have faithfully paid all taxes, insurance and upkeep to the property. We have ask how to go about making lump sum payments to reduce our loan but never received an answer. We now find XXXX XXXX is a substandard company and has a lawsuit filed against it by XXXX XXXX thru XXXX. The XXXX of Texas list them as " F '' and advises XXXX XXXX not to deal with them. As a result of Wells Fargo 's actions we are now forced to deal with a company who has a history of preying upon XXXX 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 2017-09-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a certified letter toExperian made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by first week of XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I received letter stating this account was investigated XX/XX/XXXX. Which means the cbureau did not vother to reinvestigate the matter since XX/XX/XXXX  month ago. 30 days past. By law this account is to be removed immediately and permaneantly deleted. IN addition to this I have sent multiple letters to have this account validated. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed 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 2022-10-03
Company: WELLS FARGO & COMPANY
State: OH
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:
My XXXX XXXX XXXX was totaled in an accident in XX/XX/XXXX. 
Wells Fargo is the bank with which I had the loan from. 
XXXX XXXX XXXX XXXX XXXX XXXX off all of the pending dues to the bank and then there was a problem with 'Gap ' insurance, which was resoled by you folks, CFPB, after I wrote to you. 
Due to family tragedy, I Lost the document from your office stating I did not owe anything to Wells Fargo. 
Trying to refinance a vehicle a few days ago, the dealer showed me a negative document from XXXX Credit report that shows Wells Fargo still has falsely put the claim for $ {$14000.00} on me. 
This is a clear case of fraud and illegal business practice by Wells Fargo. 

I am requesting your office to mail me ( and email also, just in case ) the document that you had sent me earlier which shows I do not owe any money to Wells Fargo. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX 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 non-monetary relief