BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I work for a commercial cleaning company. Part of my job is to deposit checks into the companies business account and write checks to pay some of the employees. I was added to the companies business account as a signer so I can do my job. One day I go to make a deposit into the account and the teller at Chase Bank tells me that the account is restricted. I then ask to speak to one of the business banker to see what 's going on. The business banker did nothing at all to help. All she said was call the XXXX number on the back of the card. Just poor customer service. I called the number to see why the account is restricted. The Chase representative I spoke to told me that Chase can close any account at any time with no explanation or legitimate reason. When we escalate our complaint to Chase 's executive office, they tell us that Chase does n't want me as customer and in order to keep the account open the company I work for must remove me from the account. Chase openly engages is discriminatory business practices. I did nothing wrong to deserve this kind of treatment. One week after Chase mailed me checks for the business and a debit card, someone else at Chase decided to close down the account if I am not removed as a signer. Maybe they do n't like my XXXX name. They wo n't provide any of us with a reason why they are closing the account. All we were told was that no reason or explanation has to be given and that they can close any account anytime they want. Total abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2015-07-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase continues to put extended holds over 7 days on XXXX particular checking and from XXXX particular account at XXXX. Chase is storing a hold alert in their computer systems to automatically put a hold on these particular deposits. Chase is to make the funds available in 2 business days and they are not doing so. Further they refuse to clear their computer system which is programmed to put a hold on the depsoits into this Chase account from the XXXX account,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/2015 XXXX XXXX ( XXXXXXXXXXXX ) XXXX XXXX. This is a HARP loan refinancing reservation number XXXX. All the paper work has been completed ( see attached ). After 45 days I got a letter saying the loan had been declined because : Ineligible Subordinate Financing. I called XXXX XXXX XXXX they have no problem in signing a subordinate Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has opened a collection account for a bank of america account that is not mine in the amount of {$1000.00}. they have left messages saying a complaint has been filed by " someone '' and to call a number and have my ID info ready for the person that answers. i never called the number they stated and now this collection account for {$1000.00} is on my XXXX account. 
New Trade Account Creditor : * XXXX XXXX XXXX XXXX Creditor Type : Other Collection Agencies Account Number : XXXX Account Balance : {$1000.00} Account Past Due : -- Current Account Rating : Collection account Previous Account Rating : -- Portfolio Type : Open Account Creditor Remarks : Placed for XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2018-05-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX. I have been trying to get information about an account in my name from Wells Fargo. The account has an exclusion allocation amount of XXXX. I've been contacting the bank consistently trying to get information about why the amount was so high. I first opened the account on XX/XX/2016. I only opened a checking and savings account. While I was sitting with my banker he informed me that I had three retirement accounts. I looked into the accounts and there was never a balance, but after contacting a Wells Fargo advisor I was informed to contact an tax accountant. The problem is the bank will not release my account numbers to me. I've been receiving false documents from Wells Fargo along with XXXX XXXX. I also tried getting my credit report from XXXX. The customer service agent informed me that my information didn't match what he had on file. I think some one has power of attorney of my rights. I've never been informed about who this person is. There's also a retirement account from XXXX XXXX that I can't access. I need help getting financial information accessible.

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 2016-08-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I had XXXX in XXXX on XXXX/XXXX/XXXX. The total charge was {$18000.00}. I had to use XXXX credit cards to pay the charge. {$17000.00} on XXXX and {$1800.00} on Chase. The merchant or bank in XXXX charged my cards three times for the amounts above. XXXX was legitimate, the XXXX XXXX they refunded in XXXX, XXXX and the XXXX XXXX was an issue getting it back. However XXXX was diligent and was able to get the third charge returned. Chase has denied the third charge as being a dispute and told me it was my issue. Now they are also saying it 's been too long and they ca n't do anything about it. ( {$1800.00} ). I have been in contact with Chase every week or multiple times a week by e-mail and phone and even sent a registered packet with all the documentation showing there is only XXXX charge - period. I even have an e-mail from the merchant stating the " total '' is {$18000.00}. I did n't know where else to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, XX/XX/2022, and XX/XX/2022 a merchant called XXXX XXXX XXXX XXXX charged my wells fargo checking account in three different occasions. Wells fargo is saying because I have a history of buying online crypto in the past from other crypto websites they won't investigate or protect my account from these three unauthorize transactions. In what world does me buying from another site, automatically " disqualifies '' my account from having protection?

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 2021-03-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account in paypal. My business going well first paypal hold my all money by the reason of inconsistent payment and said it will be added in 21 days. And now they have permanently limited my account and hold my money almost XXXX $ in their account. Now they are saying that i have to wait for 180 days and i don't even know that what wrong i have done. I contacted paypal but they didn't reply me. 
I am attaching that mail they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt collections company XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) the total amount of my account on XX/XX/2020. The total amount was {$3600.00}. I received a Paid In Full letter from XXXX XXXX which was consequently submitted to all 3 credit bureaus. Both XXXX and XXXX report the account correctly as paid in full but Equifax does not. Multiple attempts have been made by multiple parties to ensure that Equifax updates the account properly but none successful. The collections company XXXX XXXX XXXX says that they have properly reported the payment to Equifax. I would like Equifax to properly report the account. I will attached bank statements, the paid in full letter, and screenshots to substantiate all of my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Nelnet, Inc.
State: NJ
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 had federal loans and they were sold to a group called Nelnet. Nelnet continually loses my paperwork. Every time I send them my paperwork ( and this is the third time ) it mysteriously vanishes. They send me an email or something in the mail telling me I have an outrageous amount of money due. I call them, fill out the paperwork again, and work out ( or, at least, I thought we had worked out ) a reasonable payment plan. I 'M POOR. I do n't make much money and want to pay my loans back. But Nelnet keeps pulling this - and they 've done it again! I 've sent them my tax information for the third time now and they told me they 'd put me in a payment plan around {$100.00} per month. They just sent me an email saying my next payment would be over {$2000.00}. This is obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: American Mortgage Investment Partners Fund I Trust
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm a single mom with XXXX young children and I 've paid over {$60000.00} for the place I 've been renting for the last XXXX years and it 's now in foreclosure. The compressor on my air conditioner blew on XXXX XXXX and when I contacted American Mortgage Investment Partners, the company handling the house for XXXX Bank, they said they do n't take ownership until XX/XX/XXXX so they wo n't do anything until then. The managing partner, XXXX XXXX, told me to pay for it myself or go buy a fan and wait it out. I will not buy an air conditioner for a bank! Please repost!

Company response to consumer: Closed
Consumer complaint received 2021-03-21
Company: TD BANK US HOLDING COMPANY
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:
Hey I was inquiring about an issue that I have with TD Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 've been paying my Government Loan for 11 years. 
My original loan amount was around {$24000.00} and I now owe {$36000.00}, which I 've been paying as often as I can for 11 years. Some of the time I had to defer my payments due to losing a job or between contracts. I do n't feel that this is fair for me to have to pay on this loan for as many years as I have, around {$250.00} per month. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: QC HOLDINGS INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have tried calling me at work 3 or 4 times today. I have hung up once and refused the call twice because they can not even pronounce my name properly so I know they do not know me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The original Certificate of Deposits were purchased with XXXX XXXX  XXXX, however TCF Bank is the current successor to XXXX XXXX. I have multiple CDs that TCF is stating they have no records or reports about and says, " Sorry, Maam, you're just out of luck! '' This is unacceptable to me and I would like to cash in my CDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Our SUV damaged XXXX/XXXX/15. Ins. XXXX XXXX XXXX subtracted $ from payment because we had " a lien on the car ''. Never any loan for it, never a lien or ever used as collateral, so I contacted Experian to check. Screen came up immediately with all details, including my credit score and reports from all three. Not being aware of the extra charges, I had thought what appeared on the screen was my lawful yearly information. So, I closed the screen. When I accessed my XX/XX/XXXX statement from XXXX XXXX. I saw a charge On XX/XX/XXXX of {$39.00} and another separate charge of {$1.00} ; On XXXX/XXXX/15 further charge of {$21.00}. When I Called to complain, I was told that because I had been given my credit score and all reports from the XXXX credit checkers I had spent {$39.00}. She then carefully asked if I had a {$1.00} which was charged for the yearly report. The {$21.00} was for membership in Experian after a free trial of one month. 

I did not ask for or sign up for membership and did not ask for credit score or all XXXX reports, they were just there. No joy from Experian. I vented my frustration and anger on XXXX and found a wealth of others with the exact complaint. 

This complaint seems to be a common practice and is designed to charge the public a lot of extra money ; even should it be not technically illegal. 

I want justice, I want the practice stopped. People should be told plainly, what they will be charged if they get the credit score number and if they should look at the other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22
Company: Continental Finance Company, LLC
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
This card is believed to have charged me more money than owed. Multiple inaccuracies charged to my account. I feel unsafe with this company having my credit information,

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 2016-09-25
Company: ARVEST BANK GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
our mortgage is sold to another lander and i have not recevied any info were to send money and we have not been late with our mtortgage for the past 5 years can we send to our old lander

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Rocket Mortgage, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have an existing loan with Quicken/Rocket Mortgage and wanted to refinance to a VA loan with cashback. We began the refinancing process more than a couple of months ago for a VA loan. The loan was suppose to close around the middle of last month but when everything else was submitted and closing date was about to be set, Quicken said that the appraiser ( after the appraiser had been done and sent to me ) could not find appropriate comps to put onto the VA form. They contacted me and tried to offer me a conventional loan and I immediately said NO. 
That was weeks ago. I had to go to the expense of getting a wood boring pest inspection for the VA process ( TXXXX is waiting for payment ) per Rocket Mortgage but Rocket Mortgage is saddling me with that bill and they have changed the mortgage to a conventional without my permission. 
I have sent repeated e-mails asking for them to change it back to a VA loan and get an e-mail occasionally from one person appealing to others at their company to remedy the situation but there is no response from any of them. 
At this point, I would leave Quicken/Rocket but the existing mortgage is still with them and there has been so much of the loan process completed ( again, it was right at closing ). 
The current loan continues to be noted as conventional and they are trying to force me to provide documentation to support that loan and trying to force me to sign that the loan type is ok.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
To whom it may concern, my name is XXXX XXXX and my grandfather died XXXX XXXX 2014 and her house was in reverse mortgage, and when it was all said and done, I owed more than the loan, plus financial freedom said she signed agreement for a pay back loan meaning that she had to pay an additional charge and I know she did n't know about that, cause she would n't never agreed to pay the balance amount

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a major problem with chexsystems!! they blocked me from every bank in the country without just cause. I sent a notice of cease and desist and another letter they ignore my letters, when I made numerous calls the customer relations are ignorant and play silly word games with me. chexsystems refuses to give me reason for their criminal actions, they have already committed code violations by not responding to my communication, they also are reproting on a UNVALIDATED debt. plus over XXXX XXXX XXXX I did find out from XXXX XXXX XXXX, chexsystems forces me to contract with them and keep asking me for my personal and private information so they can store, use, and access my information WHICH I DO NOT CONSENT, chexsystems has caused me very extensive damages. and to this day i can not do any business online either, its like my whole life is blocked, I did file a lawsuit against them but they hired a bigtime lawyer is also a big liar you can reach me at XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX thank you for your tima

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 2017-04-29
Company: ORG GC GP Buyer, LLC
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is a follow up to complaint #  XXXX . I appreciate the companies response and I would like to clarify that the issues described in my complaint were an aggregate of my dealings with all the servicers of my loans and the inability to get any concrete numbers or history of payments from ANY of them, not solely directed at GC Services.     I understand that they do not set the rates or fees as stated but as the loan servicer, certainly they know the amounts. Assuming that the loan file transfers with the servicer, they should have no problem in providing me a complete account aging going back to   XXXX   when the garnishments began.     They responded that they would be sending me the account history I asked for on  XX/XX/XXXX . To date (  XX/XX/XXXX  ) I have received nothing.     Still waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Care Credit, aka Synchrony Bank, GE Capital bank. I have a current open account with them that was initiated because my dentist recommended it to pay the balance of my dental procedures. This account is charging 26.99 % interest for years and they will not work with me to lower the interest even though I have excellent credit records for the last 15 years. I went through dept mgrs, calls over 30 minutes, and was treated like dirt. please help!!!

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