BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and XXXX will not investigate disputes. I sent disputes about credit balance for chase and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. XXXX specifically is allowing anyone to access my credit report without my authorization including XXXX  XXXX XXXX of a car loan I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Timely escrow payments and treatment of escrow account balances. 
Section b ) Refund of escrow funds on loan payoff within 20 days. 

Dovenmuehle - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, IL XXXX XXXX Conventional mortgage loan paid in full XX/XX/2021Escrow balance : {$3100.00} Bank refuses to refund escrow funds, no reason given. They claim they issued a refund check XX/XX/2021, never received. 
ContactedXX/XX/2021 they said they would not issue a replacement check until 30 days had passed. 
Contacted XXXX, claimed they would process a replacement refund check. 
Contacted XX/XX/2021Refused to refund, no reason given. " It takes 60 to 90 days to process a replacement refund check ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Every year since I got my home my escrow has been screwed up one way or another by Chase bank. Every year my mortgage goes up and down but this year now they are telling me I am over {$1600.00} short and to keep my payments they way they are I need to come up with over {$1600.00}. Per them it is for taxes ( not due until XXXX of 2016 ). How am I short for taxes not due for over a year? Do n't my payments build up my escrow so that there is money in there come XXXX? This happens every year. I said that does not add up and they tell me I am wrong and will not clearly prove to me where they are right and where I am wrong. I called a lawyer and per him I am just screwed as there is nothing in the law that protects me. I also tried several times over the last several years to refinance my home because the rate is 6 % and it is killing me. So far Chase tells me they can help me and that someone will call me but I have never been called back and the XXXX time I did talk to someone they told me it would cost {$1800.00} to refinance. The part the confuses me about that is my neighbor refinanced his home and it only cost him {$400.00}. He too is with Chase and he owes more on his home. I have no idea what to do or where to go and if this does not get addressed I will lose the house as I can not afford the new payments while my wife is out of work dealing with medical problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted XXXX XXXX and have obtain proof that XXXX XXXX has paid this bill according to the contact enclosed is the form that was sent to me. I advised this collection agency the same information and they still place account against my credit. I feel this collection agency violated rules and regulation and should be punished to the full extent of the law this collection agency CEO and staff feel there above the law and do not have to obey rules. Rules and laws are there for everyone to obey, and what XXXX XXXX XXXX have done in this action is with disregarding all rules place by the Fair Debt Credit Act and should be fined. Enclosed is the verification that XXXX XXXX has sent me that the account is only XXXX invoice for {$1500.00} however again violating Fair Debt Credit Act Ability Recovery Service placed XXXX account same opened date of XXXX/XXXX/XXXX and same amount of {$1500.00} and same company which is XXXX XXXX XXXX XXXX. This bill to XXXX XXXX XXXX XXXX were paid in full. XXXX enclosed payment verification. I will also be filing complaint against XXXX XXXX XXXX XXXX to XXXX for the stress that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have placed on a person with XXXX XXXX, XXXX, and XXXX XXXX and XXXX XXXX replacement. 
Because of the stress your agency has caused me with the phone call and letters although I told your collector that this bill was paid with amount and date payment was paid to XXXX XXXX XXXX XXXX and faxed a verification of the payment to XXXX XXXX XXXX and they failed to call their client and verify the information. 
Your agency and your client XXXX XXXX XXXX XXXX has caused me to get readmitted. I will also speak to the XXXX XXXX for Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: FIRST CREDIT FINANCE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Since XX/XX/XXXX I have been trying to get my Full Account History, Including Interest and Late Fees. According to my records, my vehicle should be paid off. 

XX/XX/XXXX - Faxed request to First Credit Finance for Full Account History Including Interest and Late Fees XXXX - Faxed second request to First Credit Finance for Full Account History Including Interest and Late Fees XX/XX/XXXX - Received Payment History ( Not Full Account History as requested ) XX/XX/XXXX - Emailed Customer Care that I had Received Payment History ( Not Full Account History as requested ). 

XX/XX/XXXX - Response from First Credit Finance that Payment History was sent on XXXX. 

XX/XX/XXXX - Emailed Customer Care again that I had Received Payment History ( Not Full Account History as requested ). 

XX/XX/XXXX - Spoke to XXXX at XXXX ext. XXXX. After leaving me on hold for over 20 minutes XXXX comes back to the phone and says the office is now closed and she will call me back tomorrow, which she never does. 

XXXX - Attempted to call XXXX, I was told that she was unavailable and my call was sent to XXXX XXXX.. XXXX said He will send my Full Account History including interest and late fees out in the mail today. 

XX/XX/XXXX - Emailed XXXX XXXX that I had not received my Full Account History, which he says he mailed on XX/XX/XXXX. 

XX/XX/XXXX - I received a call from First Credit Finance regarding a late payment. I informed the representative that according to my records, my vehicle should be paid off and that I have made several attempts to get my Full Account History since XXXX and I have not received it. The representative said she would get a message to that department to return my call, as of XX/XX/XXXX no one has called me back. 

XXXX - Second Email to XXXX XXXX, that I had not received my Full Account History, which he says he mailed on XX/XX/XXXX. 

XX/XX/XXXX - Called XXXX XXXX He now says, That he submitted a request to have my Full Account History mailed out, he is not sure why that has not been sent out. At XXXX XXXX, when he tried to get a supervisor on the phone, they were at lunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I filed complained for {$200.00} against NY XXXX MOVERS with Bank Of America visa on XXXX/XXXX/2016 under claim # XXXX with transaction ref # XXXX. I received a letter from bank of america on XXXX/XXXX/16 at about XXXX dated XXXX/XXXX/2016 posted on XXXX/XXXX/2016, asking me to reply by XXXX/XXXX/16 I called bank of America visa and informed XXXX XXXX XXXX Who told me that I can not reply by fax but only reply by mail and there is 10 days grace period and adivised me to send reply in next 2 days. He aIso told that he putting note regarding our phone conversation in the system. I posted my reply on XXXX/XXXX/16. I got email on XXXX/XXXX/2016 to look into my on account for alert. When I open the alert, It was the letter stating that my claim is closed as It has passed time limit. I called again on XXXX/XXXX/16 and spoke with XXXX XXXX who asked to me call dispute dept at XXXX on Monday XXXX/XXXX/16 and they will reestablish the claim. When I called on XXXX/XXXX/16 at about XXXX I spoke with XXXX and explain them all the fact but they only stated they can do nothing as they have not received my reply by XXXX/XXXX/16. I told them that that is my mistake and hence either you reopen dispute or give me {$200.00} credit. I was offered {$50.00} credit as cursey by XXXX which I refused and I told her that either give full credit or I will be not responsible for the payment. I am ready to provide any more information if needed. I told XXXX that i spent about 3 hours of my precious retirement time to resolve the problem and I am doing this to get justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: MO
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 was in XXXX XXXX and was approached by a sales rep that said he worked for XXXX XXXX by the name of XXXX XXXX. He told me about a few specials they were having with their service so after a couple of hours of being in the store I finally decided to get the service it was a bundle package with the internet. I was told that XXXX XXXX XXXX merged with them. I was not told that XXXX XXXX XXXX was going to pull my credit as well as them. I was told in the beginning that only XXXX XXXX would run it but afterwards i get a notification that XXXX XXXX XXXX ran my credit not just one time but they ran it 3 times. each time i called to find out what was going on they ran my credit and instead of removing it from my Credit report they informed me to just dispute the inquiries because I did n't authorization nobody at their company to run My credit 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: CO
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:
I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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:
I went into the Wells Fargo XXXX XXXX in XXXX XXXX, CA to assist a friend who is unbanked cash her CA gov't stimulus check. She is XXXX and is low income. The bank would not cash her check nor would it allow her to sign the State of CA issued check over to me so I could deposit and give her money out of my own funds. The manager XXXX was very rude and not helpful, and the employees of the branch were also very hard to work with. The lack of help the branch gave to someone who is unbanked and to me a customer for over 27 years was horrible. Wells Fargo does not care about low income people or those who are trying to help them in these tough times for many.

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 2021-10-14
Company: Convergent Resources, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14
Company: BAM Management US Holdings Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX : I wired {$10000.00} USD to my new BinanceUS account from my bank per BinanceUS instructions and using provided Ref Code. 

XXXX : My bank confirmed wire went through - I opened a BinanceUS Support ticket when the {$10000.00} did not post to my BinanceUS acct per BinanceUS stated service level. 

XXXX : BinanceUS Support replied via email requesting proof of wire transfer and BinanceUS Deposit Order Submission which defines the BinanceUS Ref Code. 

XXXX : I provided the requested documents via email reply. 

XXXX - XXXX multiple email exchanges with BinanceUS Support requesting that my {$10000.00} be returned to my bank. The money was never posted to my BinanceUS acct and has yet to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter from Santander Bank saying that they approved a card application that I submitted. I had never submitted an application for a credit card from them! They also said that they had received a credit report on me that I had not approved them to get. I do not even have an account with Santander bank. Either someone is using my name and address to get a credit card or the bank is trying to get me to charge money on a card of theirs. 
The letter was dated XX/XX/2017. They say the application number was XXXX There was no signature on the letter only Santander Bank, N. A.

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 2017-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a used XXXX XXXX and XXXX said they would finance the loan. The car loan was denied by XXXX based on inability to confirm residence. It was automatically sold to Capital One without my consent. On the day I bought the car, the XXXX rep told me I could opt out of the Added XXXX XXXX agreements worth over {$3200.00} I was not told : 1. That I would pay interest on the maintenance agreement 2 ) that the auto loan woul be automatically transferred to Capital One ( instead of my Own Credit Union 3 ) that I would be paying {$3000.00} more plus finance charges because the transactions decision to transfer the loan was made automatically WITHOUT my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Capitol One sold my account to XXXX XXXX XXXX, XXXX. I was not aware of my rights at the time when I first contacted Capitol One in regards to this debt. I now know that my rights are being violated under the Fair Credit Reporting Act. The collection agency that brought my account do not have an address for me to submit any information to in fact only their name appears on my credit report preventing me from defending myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mortgage shows late and it was on a COVID forbearance. It should have never been reported as late and to do so is illegal. The mortgage company knew it was in forbearance and has since been brought current. It has been corrected on all of my husbands except for transition but all three credit bureaus are showing the mortgage late under my social security number and credit monitoring.

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 2021-10-14
Company: Experian Information Solutions Inc.
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:
I have membership with EXPERIAN so I check my credit activity quite often and noticed a new account on my credit report for which I did not apply for and have no idea how the account was opened without me knowing. I called the company and they confirmed it was fraud, they asked me for my email to send me the findings of the investigation and on the same day I also started a dispute with EXPERIAN. The dispute for the account with XXXX XXXX was not changed as a result of the processing of the dispute. 

Experian stated that the company that reported the information has certified that the information is accurate. I do recall seeing my bank account debited in the amount of {$4.00} in XXXX for a membership with XXXX  for which I immediately contacted my bank to investigate and reverse the unauthorized transaction and they did right away on XX/XX/XXXX, XXXX the account showed up on my EXPERIAN credit report almost 3 months later. I have no knowledge of the company, never received any mail or email and I have a balance as of XX/XX/2021 that needs to be removed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been in Repayment of Federal Student loans ( see attached ) Through XXXX  servicing since XXXX. After 7 years of repayment I called to discuss PSLF opportunity and was told to consolidate my loans. I'm being told that since my loans were consolidated between unsubsidized and subsidized loans and when they were transferred to FedLoan in XXXX it reset my counts because I consolidated " new loans ''. This makes me ineligible for TEPSLF. I have an issue with this because I have had consolidated loans since XXXX and have not taken out new loans nor was I notified that this would reset my PSLF payments for the entire balance ( not just subsidized vs unsubsidized ). Had I known that information, I would not have reconsolidated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
There have been numerous times where chase chooses to pay larger amounts instead charging the amounts in the order that they were purchased. In my specific situation I had the funds available when these smaller items were purchased. But Chase chooses to pay the larger amount first in order to be able to charge the customer overdraft fees for the smaller items that were purchased when funds were available. This is UPAAD ( for unfair deceptive or abusive acts or practices ), which I believe Chase is in violation of.

Company response to consumer: Closed with explanation