BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : Back in XXXX XXXX, I was laid off from my job at XXXX XXXX for a year. My last mortgage payment was XXXX XXXX. 
While urgently trying to seek employment I worked every week for over a year with BOA in hopes to secure some sort of modification and/or assistance, since I was unable to make my mortgage payments. For the first XXXX months, I depleted savings and borrowed money from family and friends. Unfortunately, after XXXX+ phone calls, emails and letters to the BOA , FL State Attorney General, Congress , XXXX, Office of the Comptroller of the Currency, etc. the list goes on and on I could not get anyone from BOA to assist me properly. 
Finally, in XXXX XXXX XXXX XXXX hired me back but the job was a project based in XXXX. I left the United States XXXX XXXX and returned XXXX XXXX. 
I hired an attorney to assist me as I was not getting anywhere with BOA to modify the loan. There were times I was told I was approved, I sent payments that would be returned. Then XXXX XXXX, we were due to go to mediation and BOA dropped the lawsuit stating my loan was satisfied ( see attached ). My attorney attempted numerous times to contact BOA to advise them of the mistake and no one would look into the situation. 
I then was contacted by BOA XXXX XXXX stating I needed to bring the loan current. I worked with my attorney and submitted several application packets. 
XXXX XXXX, XXXX we met for a response to complaint unfortunately I was faced with another lay off as of XXXX XXXX, XXXX and found a job in XXXX XXXX but recently changed to XXXX XXXX XXXX XXXX. 
I would like to retain my home and have recently had a motion to withdraw my council in hopes to work together more efficiently. I have a HUD counselor but I 'm not getting too much support. 
My intention was NEVER to drag this process out. I logged XXXX of calls, XXXX of applications and received promise after promise but now they have an XXXX XXXX, XXXX forclosure date. 
My loan was a no docs/interest only adjustable loan with Countrywide. There were XXXX class action law suits that I quailed for additional funding support and BOA has repeatedly ignored my request. 
If you have any questions or require further information, please do not hesitate to contact me at XXXX. 
Thank you for your consideration and I appreciate any help you can offer 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 2022-04-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It all started back in XXXX when I originally applied for a mortgage with Chase, the process was dragged out. They tried to find every excuse not to give me a loan. I had a consistent job, my credit score was in the XXXX, I had the income and the down payment. A few days before my original closing after sending all the documents they needed, I suggested and had to find a Co borrower for my mortgage because they said I didnt qualify for the loan. 
This next incidence was back in XXXX of XXXX. I applied for a refinance to help lower my payments, save on interest and take the co borrower off the loan which he helped me with. He needed to apply for credit for his own personal reasons and wasnt able to because he was on my Mortgage. I had the same job, my credit score was still in the XXXX, didnt miss any payments and had equity in my home. I was receiving income from the same job but was just on workers compensation. I was told by the representative after a long conversation going through the application and answering all the questions for qualification and her explaining what my rate would be ; to reapply after I go back to work. I later on emailed her and told her I think she was violating my rights because I have a source of income. She proceeded to process my application and set up where I needed to upload my documents including my pay stubs. Which I uploaded and sent. Days later passed with no response and I reached out to see if she received my documents. She told me that they needed to have a letter stating when I will go back to work. I told her I didnt know for sure and couldnt produce that but I can upload a job verification with XXXX protection. She ignored my calls from the beginning and continued. I emailed her and even CCd her supervisor to get updates with no response. I finally got an email back and she said she will get back to me to see if my letter was enough. She also explained that the other letter I sent stating 2 years of XXXX was not enough. Weeks went by and my application was just closed. No notification by email, telephone call or written denial letter. 

I was treated very unfairly and discriminated against because of a temporary XXXX that she pointed out as in attached email. They denied me all the possibilities to help me lower my payment. They didnt care if I would have been in a future situation, that could have led to me losing my home. I have been receiving a lot of refinance letters, since interest rates have gone down and they didnt even give me a fair chance. XXXX XXXX owns my loan and Chase act like they couldnt help me. They denied me my equal rights just as everyone else to apply for refinance and to be treated fairly. I have suffered mentally and financially and I am highly disappointed because I have put all my financial trust in Chase being a customer for over 10 years with banking and credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: WELLS FARGO & COMPANY
State: PA
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:
Iam not liable for this debt with Wells Fargo Bank and i do not have a contract with any Well Fargo Bank. They did not provide me with any original application stating that i have a contract with this company.

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 2022-09-01
Company: EQUIFAX, INC.
State: FL
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:
Hi! It's me again XXXX XXXX XXXX, I am making a follow-up with the letter I sent you over a month ago, XX/XX/2022 to be exact. I requested for you to send me the method of verification used in determining the accuracy of my credit report and you haven't sent me anything yet. I have been advised by a legal expert that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue you delaying my request. This is of great importance and I trust that you will not delay any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX, a consumer, am submitting this complaint against Transunion and there is no third party involved. Transunion has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Transunion can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT TRANSUNION DELETE THEM FROM MY CONSUMER REPORT. Otherwise, they are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. Transunion has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. if applicable, ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my ID and utility statement is how my name should be spelled. XXXX XXXX. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name ( ID ) and correct address ( UTILITY STATEMENT ). I DEMAND TRANSUNION TO CORRECT THIS INACCURATE INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Transunion is now liable for damages of $ XXXX for Civil Liability for willful noncompliance, which Transunion has failed to comply. This also includes any actual damages.

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 2016-05-13
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am currently an XXXX. I make less than XXXX a year. At some point, probably 2-3 years ago, my rates went up and I could n't afford the repayment monthly. I was paying around {$410.00} every month for my student loans. One month prior, on XXXX XXXX, 2016, Navient sent me a letter stating I would have a 252 % increase in my current student loan payments beginning on XXXX XXXX, 2016. A 252 % increase is exorbitant and ridiculous on a XXXX salary. They refused to work with me and want to go after my parents. The agent was very rude and pushy and basically told me my parents ' financials need to be given before they will even begin negotiating repayment plans on my student loans. I am XXXX years old and my parents have not been financially responsible for me in 6-7 years. Their financials have never been made known to me, and as a married woman, they are not financially responsible for me. My father is a XXXX for goodness sake, living off a modest pension. I do n't understand how this is even legal. Not to mention, my parents never agreed to the terms of the repayment when I changed them, so I 'm not sure legally how they can be held liable. I have no idea how my husband and I are going to be able to afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I wired money {$2700.00} to my mortgage company and somehow my room mate got {$2500.00} out of my account via XXXX,  afterwards, I don't know how or when he did this. I find out that mortgage wire came back due to lack of funds, and complained the next day and I thought it was handled but it wasn't, I sent in my complaint, and on XX/XX/XXXX they said they are still working on it but they deposited the money. on XX/XX/XXXX the money or decision was reversed.I dont understand it doesn't make sense why would I withdraw money or send it to XXXX the same day I pay the mortgage. XXXX has even admitted taking it without my permission. and owes me another {$2500.00} for 3 months past rent. and I feel that he somehow got it reversed and is scamming me I am filing charges on other matters. 
First the Wire shouldn't have been returned that caused a mortgage late. 
secondly why was a amount taken that was not even in the bank and was very suspicious. 
Third I didnt authorize it, I filed a police report and they said they would reopen it and look at it. the day I faxed it they said they were staying with their denial of returning my money It was filed at the XXXX XXXX police station. And the bank will have me on hold for over a half hour. I would have done it sooner but I am evicting the guy, and took time.

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 2022-09-01
Company: Marlette Funding, LLC
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today is XXXX XXXX and I checked my email and got an alert that a lender reported a new account. I checked through XXXX XXXX  and XXXX XXXX  and I did not open this latest account with bestegg. I think someone has used my identity to do this. My XXXX account was highjacked several weeks back and maybe that has something to do with it. I wanted to report this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$140.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} XX/XX/22 made payment to XXXXXXXX XXXX for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the better business bureau about this issue and I was overlooked, and was refused for correcting the derogatory report.

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 2022-09-01
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Shellpoint Partners, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A week ago I wrote this company and explained that I do not know who they are or what they are trying to scam, but to stop sending me mortgage collection notices. Now they are sending me insurance documents for a property in Florida. I live in Ohio. I indicated that if this continued that I would notify the proper authorities, but yet they continue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a charge on my account that I did not authorize. I was in XXXX when I saw it and couldnt get through to amex by phone so I just clicked that I was disputing the charge online and then kept my card locked until I returned to the US and then called then and had the card closed due to the fraud. They did so and sent me a new card and today I got a letter from Amex saying I am responsible for the charge. I called them and asked them why they are holding me responsible for a fraudulent charge and they gave me a lot of trouble about it, suggesting I just made the charge and forgot. They looked up the company and said it was a taxi and I re-iterated I have never made a {$150.00} charge with any taxi. They finally re-filed it as a fraud dispute but I dont trust them at all to take care of it and am asking for your help. I believe I am not supposed to held accountable for a fraudulent charge. I paid hundreds of dollars for this card and pay my account in full every month- why are they interested in protecting the criminals instead of me???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: SYNCHRONY FINANCIAL
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:
SYNCB/XXXX  XXXX XXXX ( Bank ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. 

XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.

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 2018-05-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX sent me a letter dated XX/XX/2018 Citi/XXXX stated that about how the 3 Credit Bureaus that Citi/XXXX noted on my credit file disputed by the consumer. That's not my complaint is that Citi/XXXX is to show on notes on the credit file that Citi/XXXX requested that the account be closed show it's suppose to state closed by the ( CREDITOR ) My next issue I have had the account over 9 years and that it was not clear when I called in I was told by there rep it did not matter and then Citi/XXXX had a nasty attitude when calling about the account. It's all about Fee 's and how to charge the consumer more money. Citi/XXXX as if the account/form they mailed out cant be retracted by error.

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 2017-01-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
NAVIANT has been unwilling to make my monthly payments manageable amount, even through hardship letters, and proof of income statements. I have had no flexibility on what day each month my payment is auto drafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Re : Claim # XXXX for account ending in XXXX Give a man a XXXX and he can rob a bank, but give a man a bank, and he can rob the world. 

This is exactly what Capital One does, they are not alone however, all banks do this. They do this because we the American people and our govt allows this corruption to take place. 

Capital one claims to protect the consumer from fraud, the facts speak different. I was charged {$800.00} for a service I was told was {$20.00} I reported this to capital one. And they stated that the merchant sent them a receipt and that my claim is denied because of this. How does a receipt justify charging me XXXX  $ fraudulently? Anybody can make a receipt and even with a receipt, if the merchant changed the price on me at the last second what does a receipt have to do with me being scammed?! Makes no sense. 

Dont bank with capital one. 
I will be filling a lawsuit and making additional complaint to govt agencys to hold them accountable

Company response to consumer: Closed with explanation