BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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:
This is an update on Inquires I found on my Experian and XXXX Credit Report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX 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
Consumer complaint received 2022-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On the XX/XX/2022 I get a text message from my landlord stating that they received a message from my bank Chase that my last two months payment has been rejected due to authorization revoked by customer, so I contacted the bank customer service and ask what is going on? Bank customer service transfer me to claims who stated that I called them on the XX/XX/2022 and disputed the transaction and I told them that I never called to dispute any transactions and was asked to go to the bank in person and close my account and open a new account due to fraudulent activities. Went to the bank but was told there is no open space for an appointment and was scheduled the next day XX/XX/2022 and came in the bank and close my account open a new account and also got claims form that I sent by fax to Chase letting them know I didn't dispute the transactions that was shown to me. Called the bank to know if they received my fax they stated yes and was told by a customer service that they sent me a mail and will let me know about the banks decision and it will arrive in five day, until today I have not received any mail about their decision. On the XXXX XXXX I get an email that my account is overdrawn with {$1000.00} then the next day {$5000.00} was added and call the bank and wanted to know what is going on and they said my claim was reversed since I call the bank I told them that I didn't then spoke to the Identity theft and fraud department and let them know I'm a victim of identity theft and they got all my information and put on their system. Then spoke to claims department asking them where's the letter about their decision they put me on a hold for an hour and then hang up on me then I have been going back and forth and they are stating there is nothing they can do for me. I ask them how many claims were made they told me eleven so I ask how much altogether they said {$22000.00}, I reiterated I didn't dispute any transaction and they should stop charging me and have cause me financial hardship and I'm the victim but all I was saying fell on death ears. Very disappointed with how the bank handle my situation hung on my call multiple times and been walking in the branch multiple times and they are unwilling to resolve stating that anyone can call and make a claim and they are not liable I find that untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am following through on filing a XXXX complaint against Wells Fargo after speaking with XXXX of CFPB and letting her know that there is no legal aid for the County of XXXX where I live. I let her know that Wells Fargo has sent me a letter dated XXXX XXXX stating that " [ we ] do not meet the requirements of [ the loan modification ] program because the loan modification is not signed. " We have contacted Wells Fargo several times to amend a modification that uses employment data instead of unemployment data. On XX/XX/2015 I spoke with XXXX XXXX XXXX She gave me a fax number that did not work when I tried to use it to submit another attempt to clarify what was happening with my XXXX mortgage. On XXXX/XXXX/2015 Wells Fargo employee XXXX XXXX was contacted by us via telephone to verify which funds and the check numbers of funds she was applying to our XXXX mortgage account. She could not give that information. XXXX XXXX was asked to verify if any paperwork that she had showed that we were employed. She could not. XXXX was then notified that we were being blocked from accessing our account online. She indicated that the property did not have a sale date. We discussed that I would continue to send in both the modification and forbearance payments. She indicated that they would most likely be sent back to us. At no time did she indicate that Wells Fargo had been trying to contact us or that she had any additional information to share with me. 
We also let XXXX XXXX know that since Wells Fargo is unable to correct the financial information on their end, we will submit a new application for a modification based on employment. 
Another company, XXXX, gave our information to XXXX. A representative, XXXX XXXX called me on XX/XX/XXXX. We were told we did not need to pay any money. XXXX then told me that Wells Fargo will not allow them to help us. XXXX XXXX called on XX/XX/XXXX and stated the she as XXXX, however she could give me a XXXX time counseling session.She would take my timeline and write a summary for wells Fargo and I was not allowed to have access. 
We contacted Wells Fargo on the XX/XX/XXXX ,XX/XX/XXXX and XX/XX/2015, however Wells Fargo XXXX latest response was that " [ they ] have been unable to establish contact with [ us ] .... ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: United PanAm Financial Corp.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto loan with United Auto Credit, and I am currently going through a divorce so I called and asked if I could set up a promise to pay for XXXX XXXX of my payment in full ( car payment was due XXXX ) and was told I could not, and if the payment was not made by the XXXX they would come take the vehicle from me. I asked to speak to another supervisor who proceeded to accuse me of trying to argue, also stated if it was n't paid by the XXXX it would be immediately taken. When I spoke to my mother who has worked in XXXX for 20+ years she asked to speak to this company so I added her to the account and they said the same things. She told me that it was illegal for a company to threaten, harrass, or intimidate a consumer especially when a payment process is trying to be set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I notified Transunion customer service of some unauthorized credit inquirys and they would not take care of it and as a result my credit is being negatively impacted. I spoke with customer service on  XXXX   XXXX ,   XXXX   at about  XXXX   XXXX   Pacific Standard Time.       XXXX   XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2016-01-20
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
At the time my XXXX & XXXX year old parents got a 1st line home equity 10 yr interest only loan through TD Bank 5 years ago. This past XXXX TD Bank asked for income documentation for the 5 yr renewal period for the last 5 years. So with dad just passing away my XXXX year old mother sent in the income information as asked. They then came back and said " sorry you do not still qualify for the last 5 years of a payment around {$650.00} a month, we have to convert your loan into a 10yr fix at {$2500.00} a month. We are baffled as the promissory note states TD Bank has the rite to allow the final 5 years however they state that mom does make enough money to pay the {$650.00} a month so here is the new loan at {$2500.00} a month. So then in XXXX they said we could apply for a loan modification however the guidelines for that are being late on the mortgage which she was n't late so they DENIED her. So now we have a ten yr payment of {$2500.00} which we can not afford and they want to foreclose on her. All we want is the final 5 years of the deal she signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I merely used the services Chase bank enabled on their website to open an account and transfer money. As a result of my ordinary banking activities, a large sum of money is now being withheld for an unnecessarily long period of time. To make matters worse, I have no recourse to get my funds in a timely manner. 

On XX/XX/2022, I use Chase 's online system to open a new checking account. Since I was already a Chase customer, I was able to transfer {$5000.00} from an external account immediately. 

On XX/XX/2022, I attempted to login to my online banking account, but was locked out due to " suspicious activity. '' I called Chase and learned that the account was pending to be closed and that I would receive a check for {$5000.00} in a timeframe of XXXX days. 

I was told I could open a new account in person and then have the funds be transferred there. However, when I tried to do this at the XXXX XXXX branch in XXXXXXXX MD, they said they could not transfer funds out of the account pending to be closed. They verified this with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has effectively prevented my mortgage lender from pulling my Credit score with them. They can pull XXXX  and XXXX, but the XXXX score is hidden/non-viewable. 

I have spent literally roughly 20+ hours on the phone or holding for someone trying to get this resolved to no avail. The main number for disputes is : XXXX, I have spent over 7 hours on hold and no one picks up. Most times, the call just hangs up and doesn't connect to anyone.

When I initially applied for a home loan interest rates were 3.62, now they are 4.50 %, which equates to XXXX XXXX in extra interest payments over the lifetime of the loan. 

I need my score, as I am trying to buy a house and move out of state, I am effectively a prisoner because of their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TMX Finance LLC
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told title max repeatedly that I am not being paid my paycheck on time due to having to wait for the government to sign off on our commission. I work for XXXX..and yet they have still been calling XXXX and sometimes XXXX times a day filling my voicemail box.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 we did $ XXXX in sales with our XXXX XXXX. I have a business account with Bank of America and also use there merchant services that I pay monthly for. The funds were never deposited because they stated customers may have been using fraudulent information and they needed to hold the money in case of chargebacks. They also requested that we send over invoice showing what these customers purchased. We provided them with invoices showing that customers have purchased advertising packages from us. They then stated that it was n't good enough and still need to hold funds in case of chargebacks. We have gotten chargebacks that have not been covered as promised. This also caused additional income in my account to be taken and put me in negative which they are charging overdraft fees as well. We have attempted to get in contact with our Security representative through XXXX Merchant services at Bank Of America assigned named XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ). When you call her it goes to her voicemail and sometimes she picks up and hangs up. Any time I call Bank of America they transfer me to the security department but then I 'm directed to her desk again and again. I 've left numerous voicemails with no response and now they are causing my business to suffer and not be able to operate on daily basis. Relationship with their merchant services was canceled and Bank of America is still not holding their end of the agreement to cover chargebacks based on funds on hold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America reported that my payment was late it is posted on my credit report and it is causing creditors to deny me and reduce my credit limits and or close me accounts In accordance with the fair credit reporting act Bank of America has violated my rights 15 USC section 602 states I have the right to privacy 15 USC 1681 section 60 for a section 2 it also states that a consumer reporting agency can not furnish a account without my written instructions 15 USC one 660 a credit or may not thread a payment on a credit card account under any open End Consumer credit plan as late for purpose

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 2016-10-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX College in XXXX, Florida for a data entry class costing approximately $ XXXX in XXXX or XXXX. I have paid on my student loan and deferred payments over the years. Now, it 's up to almost $ XXXX in debt with collection calls coming in 7 - 10 times a day asking for monthly payments of {$1300.00}. Looking back I had no idea what I was doing, I was XXXX years old with no guidance through the school that explained the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- Current Loan of $ XXXX with Provident Funding - Applied for refinance with Provident Funding as the variable interest rate went up to 4.5 % from 2.75 % ( Loan # XXXX ) - Applied for refinance with $ XXXX downpayment to reduce further depth and also monthly payment. Locked the interest rate to 2.875 % for 21 days. 
- Current payment of {$3400.00} will be going down to {$2700.00} approximately - Provided all income and debt information to Provident Funding.

- Provident funding play game as the interest rate for XXXX ARM went up to 3.5 % - Provided every information and they suspended my loan application - Not able to reach the mortgage broker, always get voicemail. 
- Responded through email that the underwriter is not approving due to income/debt ratio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I opened this loan with Regional back in 2018. The branch manager XXXX was nice at the time of the loan, but as time went on she became very rude and unprofessional. I've had a financial hardship which caused me to fall behind on the agreement, I've reached out several of times to offer a settlement to pay this balance, and have it removed from my credit and even spoke with corporate several of times. I was approved of an {$800.00} settlement, but never received anything in writing stating that they would remove negative item from my credit report. I am wanting to resolve this issue because it is hindering me from moving forward with employment, which is causing great stress. I am willing to work with this company, but I will need them to hold their end. I was informed by the Branch Manager that she would reach out to all credit bureaus once settlement paid in full to have item no longer reported to my credit, it would be a pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, My family and I are going through a terrible time right now and need help. In 2003 I consolidated my student loans with XXXX XXXX ( now Navient ). My objective was to pay additional sums to principal each month in order to subordinate the loan faster. I put this in writing directing XXXX XXXX to do this, To my chagrin this did not happen. After attempting to get to the bottom of what happened, Navient simply obfuscated and has now sent my 'balance ' to XXXX for default. I need help as my credit is getting hammered and I feel frustrated at the lack of respect I 'm getting from Navient and XXXX. Where are my rights as I am outraged at this mess. 
Please have someone get back to me. 
Also, I have received hundreds of threatening and harassing phone calls from a collection agency hired by Navient that fails to identify itself and refused to stop calling. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX BankAmerica ( BA ) failed to autodebit my credit union bank account for the balance due on my XXXX account ending in XXXX, although my auto debit was still in active status. As a result BA charged me fees and interest and claimed I was in arrears. On XXXX XXXX I began 10 days of calling, emailing, chatting, and writing BA. The problem was not fixed despite numerous acknowledgements that this was a BA error and that the fees/interest would be refunded. Finally I was able to make the payment by phone on XXXX XXXX. But by XXXX XXXX, although BA debited my credit union account for the amount due, the online report of my XXXX account did not acknowledge the payment or show a refund. I have lost XXXX work hours and undergone enormous stress as a result of this consumer service breakdown. I am enclosing the XXXX letters written. The last letter, to CEO XXXX, states what I need to have this problem resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance TD Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. 

Not to mention none of the items that they returned was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I have a home line of equity loan from Bank of America for approximately {$130000.00}. It is coming to a balloon status in XXXX 2016. I have proactively tried to request an extension and had taken over 5 months to complete the application and trial payments. They have sent the new document to sign with the new terms in regards to the extended time of 180 months and the new payment will have to include interest and principal. The concern that i have is that the new agreement does not mention the interest rate for the new agreement and it does not indicate in plain language that the rate term will continue as the original agreement of adjustable rate that is prime minus 1 %. I have spoken to several relationship manager and they all have verbally explained that the rate will continue as the original agreement but they cant send anything in writing. I asked if they can email or I can email them with this information and they declined. All their calls are however recorded but i am not allowed to record any of their conversation. How can i feel assured with the new agreement that they are asking me to sign will in fact have the rate of the original document. My original loan document was with Lasalle bank which was acquired by Bank of America. I have always paid on time and am current on my loan. I hoped that i would have received the fixed rate on the extension but they said that the term can not be changed.I would have to apply for another loan. My home is underwater at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express has decreased my credit line by 30 %. 
Despite I've been customer over a decade and never missed one payment. 
I am making more money than ever. This is a very bad business practice, and I do not see the risk, in continuing to provide a higher credit limit. Where is the appreciation for customers, over the years I have paid almost XXXX in profits due to i nterest, and other charges, and this is the appreciation I get.

Company response to consumer: Closed with explanation