BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-04
Company: KEYCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan with First Niagara. The loan was on autopay, which I cancelled when I moved bank accounts to consolidate with my fiancee. KeyBank acquired First Niagara, then withdrew the loan payment off the autopay ( despite it having been cancelled ) because their system did n't recognize it. I got an overdraft fee, which the bank refuses to pay. 
I then paid off the entire loan, however their system did n't include the already made payment, leaving an overpayment. The title was sent to an address I have n't lived at in years and had been changed, then check was sent to another old address I do n't live at and have n't in some time. I called to get a new check, the person helping promised it would be sent. It never was. I called again, the new person said the last just never did it, and then they promised to have it sent 2 day delivery. Two weeks later, I received a notice that I need to fill out a notarized form cancelling the first check. Hiring a notary in XXXX costs $ XXXX- {$50.00}. They wo n't pay for that ( despite this being their error ... again ... and again ). This is not a huge sum of money, but every single person I 've spoken to has lied to me. They told me a check was coming, it was n't. I only got the car title back because a person somehow found me on facebook to let me know they 'd gotten it. 
I am going through their process and will do this form, and pay the notary and send it in. I hope this time they 'll send a new check. Since they 've lied to me 5 of the last 5 times, I 'm not optimistic and am shocked and infuriated at how this has been handled. It all stems from their IT systems not integrating and I have done absolutely nothing wrong but still get stuck with fees for their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account and deposited {$15000.00} with chase ( XXXX XXXX ) in XX/XX/XXXX. I withdrew the money in XX/XX/XXXX when, the bank associate did no disclose there would be a XXXX/month service fee. 
I checked my account on XX/XX/2017 and found that I have been charged XXXX for {$200.00} balance and there will be additional XXXX charge. 
Although I called to close my account on XX/XX/2017, the charges are not refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
On multiple different occasions, Round Point Mortgage has been unable to handle my escrow account accordingly. First, once they obtained the loan, I was charged the same amount of money for city taxes as I was for my county taxes causing an additional $ XXXX yearly addition. After providing documentation multiple times over a matter of three months, it was finally rectified. During those three months, all of my emails and secured messages went unanswered. It took upward of ten calls to finally have someone look at it and give me a guarantee that it would be adjusted. Now, I have submitted new tax documentation from the county and the Veteran 's Affair 's Office showing that I am a XXXX veteran. My initial contact was at the end of XX/XX/XXXX and did not receive a response for ten days. Following that, I responded with the same said documents via email. I never heard anything back which prompted me to call them mid-XX/XX/XXXX. After speaking to a representative, he assured me my escrow analysis was be performed by XX/XX/2017. In addition to that, he made sure all of my documents were in order. XX/XX/XXXX comes and goes and there was still no update to my escrow payment nor an escrow analysis performed. I called in again since they never responded to my emails nor my secure messages through their website. I was told the documents I sent in were a blank check and a homestead exemption form. I sent neither of those documents in. Plus, the blank check was for a bank that I am not a member of. I, again, emailed the same documents to the email address provided. There has not been any sort of contact attempts to me to let me know that I either sent in right or wrong documents. My escrow account still has not had an analysis performed, but I was told it would be taken care of by XX/XX/2017.

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 2022-04-17
Company: EQUIFAX, INC.
State: TX
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 Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX XXXXXXXX XXXX XXXX ) and account number # # # # # # # # # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 also states a consumer report ac can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a breach of contract borrowers defense to repayment with documentary evidence. My student loans are in good standing with Navient. Navient refuses to place my loans in forbearance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-30
Company: Medical Recovery Services, LLC
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received medical treatment at XXXX XXXX Medical Center in XXXX, Idaho. Used a Veterans Administration Patient Card. Assumed VA paid the bill. Now getting served with papers from Medical Recovery Services with 20 days to respond. Papers are dated XXXX. XXXX, 2016 brought to my door on XXXX XXXX, 2016 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone by the name of XXXX, XXXX # XXXX of XXXX, XXXX is making some outrageously erroneous statement ( s ) on XX/XX/XXXX that XXXX, Incorporated has a contractual relationship with XXXX, XXXX and XXXX, XXXX acts as XXXX, Incorporated 's servicer as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page 4 of 8, and also go to second Attachment.

Company response to consumer: Untimely response
Consumer complaint received 2015-03-27
Company: Streamline Recovery Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX called and left a message with employer threatening legal notice. I returned the call and I can only connect with voicemail on both the XXXX and XXXX. The agency is Streamline Recovery located at the following : XXXX, NY XXXX CONTACT THEM Phone : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-17
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This bill was created when I was in the hospital with XXXX. I had created a payment arrangement with the facility. I made payments to them until I got XXXX again. The amount of the bill isnt correct. Ive sent the collection agency the paid bill and the credit reporting agencies keep putting this on my credit. Considering that the world was going through this more time and compassion should be shown to XXXX  survivors because we still have a long road to recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am currently in Chapter XXXX bankruptcy with the XXXX North Carolina Bankruptcy Court. My car loan for the XXXX XXXX XXXX is included in the Chapter XXXX. However, the value is the car is in its current condition and millage ( the care XXXX miles ) is valued at {$3400.00} according to XXXX. I like to settle-in-full with Santander Consumer credit for the current value of the car and have the title/lien released. It is not worth {$10000.00} nor it is work the {$7500.00} that is listed on the Chapter XXXX filing. The millage and the accident the car was involved in ( back in XXXX ) has greatly reduced the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: NC
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  account name and number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  account name and number XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-17
Company: MoneyLion 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: Information belongs to someone else

Complaint:
There is an installment loan from a company called MoneyLion on my credit report. I did not open an account with this company. I am a victim of identity theft and have a fraud alert on my credit file. So they never should have opened this account. I was never contacted as is required by my fraud alert to verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX has been working with Bank of America for home retention options. She was advised that one of her options is short sale. She listed her property with a local real estate agent on XX/XX/XXXX and received an offer. Per Bank of America 's instruction, we have been trying to initiate the short sale into their " XXXX '' system to begin review. In our many discussions with Bank of America, they informed us that they are having troubles with initiating this file and opening up the review. This " delay '' has gone on for over two week. Daily, when we speak to Bank of America, they advise that they are having issues with their system and that they will look into it. On XX/XX/XXXX, I was advised by Bank of America that too much time had gone by trying to open the file and that we are now too close to the upcoming foreclosure and that Bank of America will no longer entertain a short sale. 

Bank of America has agreed that the issues and delays were internal but their unwillingness to work with us because " too much time has passed '' is completely contradicting to them admitting that the mistake was on their end. 

It is not fair that XXXX XXXX should have to pay the price because Bank of America can not figure out how to practice their own internal procedures without errors. Their borrower has reached out for assistance and is being denied it for a reason that is not in her control.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When XXXX switched over to Navient as my student loan provider, I was given no choice to do otherwise. I am currently a stay at home mother with XXXX children. My husband and I have been through a number of financial difficulties ( including my husband losing his job at one point ) and Navient never offered alternative repayment options or any options that would give us a measure of relief. We have a cosigner on the account but she is in as hard a time as we are. The problem is that when I called Navient to see what options might be available, they said they would have to speak with my cosigner. When they did, they determined that she makes enough to cover our payments when she actually does not. So, I 'm being told that there are no options ( there never have been through Navient ) and that my cosigner can pay ( which she ca n't ). The financial strain has been causing me a tremendous amount of XXXX, especially because once I use up all of the forbearance, I 'm going to have to choose between feeding my family or paying Navient 's steep payments. That 's not a decision someone should have to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I tried to do a simple refinance in XXXX 2016 with Wells Fargo bank. We have been long time customers of the bank with outstanding credit ( over XXXX score for each of us ). We were asked to submit documents multiple times for the refinance and sometimes the 'online portal ' was not working correctly, so we were encouraged to 'just email ' it to our team of refinance people ( XXXX XXXX , XXXX XXXX , and the underwriter ). As we all know, email is notoriously unsafe for the transmittal of sensitive documents. Prior to my husband and I completely pulling out of the refinance process due to Wells Fargo 's inability to complete the simple paperwork, I came across an email that showed that our home appraisal was SHARED with a couple in XXXX by the name of 'Powers ' which closely resembles our name 'Bowers ' , but only if you can not read. We came to find out that personal information was not only transmitted over email, but shared with complete strangers who 's name happened to sound the same as ours. We have since opened up another refinance with our local bank ( XXXX ) and the process is going smoothly. I have requested our appraisal fee to be refunded, but so far Wells Fargo REFUSES to give us back that lost {$350.00}. We had to come out of pocket for another appraisal with our new application with XXXX. I strongly feel that Wells Fargo should refund our appraisal fee ( at a minimum! ) for the way their refinance team handled our simple refinance. Thank you. 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 monetary relief
Consumer complaint received 2017-02-27
Company: Chaplain Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This afternoon I received a call from XXXX XXXX from Chaplain Financial Services. XXXX. When I asked for the company address she said it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. She said she had XXXX lender accounts that I owed money on XXXX XXXX {$510.00} loan taken out on XX/XX/2011 and XXXX XXXX {$430.00} loan taken out on XX/XX/2011. She could settle both accounts if I sent an online payment of {$570.00} today. I told her I never took out a loan from those companies. She asked if I heard of XXXX, which I have not nor have I ever taken out a loan from them. I told her I knew this was a scam and would be reporting her to the FTC. She said " do what you got ta do '' and promptly hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I gave " FORMAL NOTICE '' to Wells Fargo that my property XXXX XXXX XXXX XXXX XXXX CA XXXX was under a Bankruptcy Petition filing with the Federal Bankruptcy Court of which I was fully aware that Wells Fargo 's trustee office was in receipt of my Bankruptcy filing. They violated the Federal Bankruptcy law by auctioning my home on XXXX XXXX when the Bankruptcy was filed on XXXX XXXX. I immediately call Wells Fargo and explained the unlawful action, they proceeded to open a full review and was send to recovery group and assigned to XXXX XXXX at XXXX XXXX XXXX XXXX ext XXXX I have been leaving messages requesting an update of the reversal on my home I have not gotten any answer it goes straight to voice mail this has been going on for almost a month they are playing games with the home owners. I strongly believe they have committed a crime, with this fraud committed they do n't have any rights to my propertyI want to file complaint against Wells Fargo for the deceitful, dishonest, lies and corrupt, fraudulent actions against home owners and for violating the Federal Law through-a-series-of-regulationsIn addition I perform a full review of the petitions and discovered that Wells Fargo failed to postpone my sale date on XXXX XXXX. I am very sure, Wells Fargo law firm is fully aware of California Bankruptcy laws and the automatic stay under XXXX XXXX XXXX. 
The Federal Bankruptcy Code contains a specific legal action against anyone who causes injury to an individual by a willful violation of the automatic stay ( 11 U.S.C. 362 ). The automatic stay is a court order that is immediately imposed when petitioner files a bankruptcy petition, whereby it prohibits anyone from trying to obtain the property. If someone violates the stay, bankruptcy code provides for actual damages, costs and attorney 's fees as well as punitive damages, if appropriate ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ). 
I am requesting Wells Fargo to reverse, overturn the sale of my home and stop playing games by making the home owners believe they are willing to help you and the ridicules appearance of assigning some person who will never care about your situation or get in touch with you. 
Thank You Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Wells Fargo that has a history of cheating people has cheated me out of XXXX. I closed this account in 2013 XXXX verified it and gave dates and times. 
I want my money back you over charged me for late fees and interest and committed fraud By keeping an account open that was closed and charging me late fees and interest on an account that you fraudulently kept open

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 2016-11-30
Company: Citi Management Group, LLC
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have received numerous calls from this company. They do not ever say it 's an attempt to collect a debt, they call me after requesting them not to, and they are harassing and bullying. I asked for proof of the debt and got an email stating a XXXX card and an amount, but I have not been contacted about this debt at any point in the last 5 years. I have no knowledge of actually owing this debt. They tell me they will contact my HR/payroll department at work and take my wages, although there is no judgement against me for this supposed debt. They have stated this over and over for the last month and no action has ever been taken. It appears they simply want to harass people into paying without proof. I have also asked them to not contact me and they still do. When I question their tactics or way of doing business, they hang up on me and call back later.

Company response to consumer: Untimely response