BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, I followed the instructions provided by Bank of America to access a paycheck protection program loan. My business was started in XXXX of XXXX so I submitted { per instructions ) my first quarter payroll in order to calculate the amount of the loan. I was found to be eligible for XXXX In XXXX of XXXX I applied for paycheck protection program loan forgiveness. Bank of America has been 'reviewing ' my application since XX/XX/XXXX. 8 days ago the bank sent me an email stating that a large portion of my loan was not eligible for forgiveness because I was not eligible for XXXX. I called the bank and received clarification. The bank was using the incorrect documents to calculate the amount that I was eligible for. This is easily resolved ... I just need to upload a letter of explanation. I have called twice in the past 8 days and received the promise that the portal will be opened so I can get this issue resolved. The portal is not open, I can not upload the necessary documents and Bank of America sent a follow up email stating that my application for loan forgiveness will be canceled in 7 days. I will then be liable to pay back the entire loan amount. There is no way for me to communicate effectively with the bank and to provide the requested clarifying documentation.

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 2022-11-08
Company: AES/PHEAA
State: MO
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:
I called FedLoan Servicing on XX/XX/22 to request a refund of payments I made on my student loans during the pandemic. I was told they no longer service my loans and to try calling XXXX. I tried calling XXXX and they had no information regarding my account. I then called StudentAid.gov and they told me my loan servicer is FedLoan. So I called FedLoan again on XX/XX/22 and again requested a refund. This time, they were able to process my refund and said it would take 4-8 weeks. I called again on XX/XX/22 and an automated message stated that my refund had been received. I called again on XX/XX/22 and the automated message stated that my account had been transferred to XXXX. I called XXXX and they said they had no records of me or my account. I then called FedLoan to ask if they had processed my refund and/or moved my account to XXXX and XXXX said my refund is still processing. I told them it had been 8 weeks and asked if there was an issue and they said no it is processing and they are just extremely busy with refund requests. Today is XX/XX/22 and I still have not received any refund or account updates from either FedLoan or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I can no longer pay my bills or check any of my accounts online with Citibank. 

On Tuesday, XXXX XXXX, 2016, I went to the Citibank website to pay bills. I received a message " Time to Update Your Browser. '' My browsers are updated to the highest version my computer hardware allows. I have no way to get to my Citibank accounts. 

After much digging, I learned that Citibank updated their software the previous weekend. They did not provide a backup plan for account access by customers with older computers. There was no notice before or after this change. Citibank denied knowledge or involvement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Phone # XXXX called my aunt in XXXX right after XXXX and said i have a bounce check and they need to serve papers to me .Afterwards, I then received call on my work phone from both XXXX and XXXX saying they want to serve papers for case XXXX. Both XXXX and XXXX said they were calling from XXXX and XXXX law firm. ( i have the recorded calls ). calls went to voicemail. called them back and they wanted to verify my personal information and i advised them they will have to sent me information via paper bc im not providing my personal info. when i talked to XXXX he said no we can not send a paper confirmation of debt. And XXXX proceeded to tell me once a payment arrangement is set then he can send an email a confirmation. During any of these conversations, they did not say they were a collection agency, only from law firm. i asked for the company they are representing and they said advanced america and said it was {$410.00} owed for a payday loan from XXXX advised i will talk with them directly to resolve and XXXX said its too late for that. XXXX also stated were going to take t to court and charge u court fees and take everything you have. then XXXX hung up the phone. called back and got voicemail for XXXX 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 2016-10-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I rec 'd a phone call from a XXXX XXXX at XXXX XXXX who said she was calling from XXXX XXXX XXXX and that she was an attorney and that this was an attorney 's office. They have called my husband at work numerous times even though they have been asked not to as it will jeapordize his job. When I googled this company it said it was a debt collector and that they had been shut down once. This is for a debt from 2008 that just keeps getting sold.

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 2022-11-08
Company: BANK OF THE WEST
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The automatic payments on XX/XX/22 did not get made. More than a week later a returned check fee and interest charges appeared online but was back dated to XX/XX/22. Called customer service who insisted either I or my bank changed something that caused the fault and therefor I am being charged Fee 's and interest. I pointed out that I have several cards and all payments are always made both before and after their claim that the payment was returned by my bank. I checked with my bank who said they have no record of any attempt by bank of the west to process the payment and yet bank of the west is charging a return check fee. After several hours and phone calls Bank of the west claimed it was a computer error and the fee 's and interest should not have been charged but the charges were never reversed, some even claimed the charges were already reversed. I asked for written confirmation that the charges were either disputed or reversed and received a letter dated XX/XX/XXXX that the fees were valid and past due. In more than twenty years no company I have automatic payments with has ever had a problem and now this is the second time Bank of the west has failed and claimed I am the problem.

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 2021-06-16
Company: Accurate Background
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I had applied for XXXX delivery driver and was denied to get hired just today XX/XX/XXXX by XXXX XXXX XXXX. I understand the reason why I got denied for but because of my drivers history of just one Incident I had back in XXXX but again that was XXXX I was young at the time and made my mistakes. I feel like I deserve I should be allowed to work for XXXX because Im not the kid I was before, I know better and will not do the same mistake over again, Ive learned from my lesson. I just really need this job so if you guys can please give me a chance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called BSI Financial on XX/XX/2022 for payoff for my 2nd mortgage. They advised me to go online to get the payoff amount because they could not tell me over the phone or confirm. I went online and found the full payoff amount that same day I went to my bank for a cashiers check for total amount and mailed to BSI. I also called to advise them I was mailing payment. They called me the week of XXXX XXXX XXXXXXXX stating I still owed {$260.00} to pay which at that time I paid over the phone. Today XX/XX/2022 I received a letter stating they are destroying my certified payoff check. Customer services can not give me answers and a supervisor keeps me on hold. I just want to pay off my loan in full. What company would not apply funds to an existing loan. This company needs to be investigated immediately due to unethical practices and fraud. The customer service keeps sending me to a voice-mail. This is XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: U.S. BANCORP
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XX/XX/XXXX at exactly XXXX, I received a call from a company called XXXX, XXXX XXXX. Called was not answered so there was a voicemail left was from an unknown number and the number I obtained to contact the the XXXX XXXX XXXX back was XXXX. They referenced a case number of XXXX. The voicemail stated that there was a civil complaint that had been filed against me. I contacted the phone number left for me to call back at XXXX. I gave the case number and was transfered to an XXXX XXXX who notified me the complaint was from US Bank for a debt that I owed. 

US Bank was just sued in XX/XX/XXXX for improper posting of debit card transactions before deposits causing customers accounts to be overdrawn and a series of overdraft charges to be charge to consumer accounts. Which is how I came to have a debt US bank. With the XXXX Law suit US bank now has a settlement of XXXX for people in most states and based on the year that you had an account with them.. My account with US bank was through from XX/XX/XXXX-XX/XX/XXXX and for the state of colorado concerning the settlement I am elgible to be paid back for for the debt was supposedly owed by me. 

This company XXXX XXXX XXXX verified all my information which they more than likely received from public or social as they are a predatory collection company and they have complaints and are all over the internet as scammer. I did not give them infomation. They stated they would file a lien against my XXXX ford Taurus and try to sell the vehicle and was they were not able to recover from the sale of the vehicle they would then garnish my wages. I live in the state of Colorado and the statue of limitations is 6 years for debt. This group I believe is hoping to serve me with papers and hope that I do not show up so I an get a default judgement against me and then try to garnish my wages. But knowing what I know and what they do n't i am willing to got to court as i advised them

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 2015-10-11
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: APR or interest rate

Complaint:
I made XXXX balance 0 % interest transfers with Discover Card in XXXX and XXXX 2015. When my XXXX statement arrived, the balance transfer of {$3000.00} and the fee of {$90.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was {$2500.00} instead of {$2900.00}. The Discover representatives I spoke with ( five phone calls were made ) could not explain what happened and could not tell me which balances my payments were applied to. First I researched previous Discover 0 % balance transfers, found errors ( approximately {$300.00} plus interest ) in allocation of payments ( payments not applied lawfully in accordance with the CREDIT CARD ACT ) and I wrote two letters of dispute to the correct address for complaints. I did not get a response. On my XXXX statement, the second 0 % balance transfer of {$1200.00} and the fee of {$36.00} were listed in the " ACCOUNT SUMMARY '' section, but the amount listed in the " BALANCE SUBJECT TO INTEREST RATE '' table was now {$4100.00} instead of {$4000.00}. I wrote two more letters of complaint. These were mailed and submitted online. I got an online message with a local number to call. After numerous phone calls, I was finally able to speak with someone about my disputes. I was informed that Discover Card is calculating the 0 % balance transfer using the " daily balance '' method of interest calculation and that my minimum payments were applied to the balances. Another letter of dispute is going out this week. First of all, Discover Card can not apply this method of calculation to my 0 % interest balance transfer when there is no interest to calculate! The INTEREST CHARGES section on page XXXX of my CARD MEMBER AGREEMENT clearly states, " How we calculate interest charges, '' and since the APR is 0 % there is no interest to calculate. Secondly, I calculated the 0 % balances using the " daily balance '' method and could find no evidence of my minimum payments in the amount of {$100.00} ( XXXX minimum ) and {$160.00} ( XXXX minimum ) having been allocated to the 0 %. I am currently paying more than the minimum each month and I am not able to check my bill to make sure that the 14.99 % balance is correct. Finally, if things continue in this fashion, Discover will continually not report to consumers the beginning and ending statement balance for the 0 % and the 14.49 %. As a result, Discover 's customers will have absolutely no way to see if the law is being followed with regards to payment allocation and Discover Card 's customers will continue to be in the dark with regards to their balances. I have no way to calculate how much money I have lost and if Discover continues to apply interest calculation methods to balances do not require interest calculation/that have 0 % APR, I will never know how much money I will lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been doing research into a mortgage refinance and spoke with an agent, XXXX XXXX at loanDepot, about rates for the loan. After sending an estimate. XXXX XXXX asked for a credit card to keep on file in the event that I decided to proceed with my refinancing application with loanDepot. He then told me that I should lock in the rate he quoted by paying {$10.00} immediately. I told him that I did not authorize that charge and would let him know the next day if I wanted to proceed. The following day I received a notification that the {$10.00} fee had been processed, per my authorization. XXXX XXXX sent me an emails stating in part, " Hopefully by saving an additional {$310.00} in price timing, you will forgive me for the sudden {$10.00}! ". Because I explicitly did not authorize this charge, I would like to warn others of this fraudulent behavior.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX our son was involved in a bad accident that let him XXXX. After years of not being able to work full time and issues with paying medical bills and other expenses we finally in XX/XX/XXXX had to declare bankruptcy. It was not what we wanted to do we worked for years to try and avoid it. We own our home and was worried about the Chapter XXXX bankruptcy hurting out lender. Our attorney advised us that we could re-affirm the mortgage no problem due to our situation. After debating a little while we then proceeded so we could start fresh again. We kept calling our attorney who proceeded to tell us that he still has not received the paperwork to re-affirm and that we should call them and let them know so we could get it taken care of. After speaking US Bank they would not give us any info on the re-affirmation due to the bankruptcy. We did understand where they were coming from and asked if our attorney could call and get the information on the paperwork. Neither the bank or our attorney would do anything to help. Our bankruptcy was then finalized in XX/XX/XXXX and we started calling the bank to start the re-affirmation proceed since we thought if might have to be done after the discharge. After going through several people at US Bank, we finally got to a supervisor that said she could help and that there should have been know issues with the re-affirmation and that it should have been taken care of. We asked why and she stated that they dropped the ball and the paperwork should have been sent out for the re-affirmation but, it was not. We then asked what we could do and she said at this point they would have to reopen the bankruptcy to get it done. She stated that it could take up to 6 weeks. She then said that she would call us back within XXXX hrs to let us know how they were going to proceed and help but, we never received a call back. We called back a few days later but, no returned calls. This was the beginning of XX/XX/XXXX and we still have not seen any results. We did send in a letter to US Bank asking that they start sending our statements to us again but, the statements all say the same info every month. We are still behind {$1200.00}. When I went through my bank statements and what has been paid to them in the last 5 months, I show that we are ahead on our payments by about {$100.00}. We are very frustrated and no one from US Bank seems to want to help. We are trying to get back on track and loosing out home is not an option since we not take care of a XXXX son XXXX. We need our home and stated to everyone that we wanted to keep it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi administrators, I addressed the financial institutions of Bank of America. Regards were making an attempt to establish credit. I applied for a XXXX Credit Card. Furthermore, now several attempts have been initiated. Please would you be given the time to investigate one more final time. I surely appreciate it. 
Thanks, 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 2021-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter saying you guys were going to close all 3 of my accounts on XXXX XXXX with no explanation. Ive been a client for 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a CHASE debit card in the mail yesterday XXXX. I do not have a CHASE account. My husband shredded the card immediately. I called CHASE today and was told an account had been opened on XX/XX/2022 in my name which I did not do. I contacted the XXXX XXXX XXXX also. I also contacted my bank to give them a heads up. I was told {$200.00} was on the account. Claim # with Chase XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hired to do a loan modification for our client. Submitted package via facsimile to Wellsfargo. When I called Wellsfargo to do a financial interview over the phone which is their normal procedure I was advised that my client can not be considered for any loss mitigation assistance as he has already had two previous credit decisions in which he was denied for a modification because affordability was not reached. Client was denied is XXXX and then again in XXXX. However, my client 's financial situation has changed and he should be reviewed for workout options to help him save his home. Per lender they can not review the borrower for any assistance based on Wellsfargo guidelines and investor guidelines due to the delinquency of his account. We would like for them to review our client and give them a decision rather than say that they will not even consider him for anything.

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 2021-06-16
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity this was not done by 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 2016-02-03
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company refuses to provide me verification and validation of debt per my right under the FDCPA. I do not believe this debt is mine.

Company response to consumer: Closed with explanation