BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This month, on XX/XX/XXXX, my loan payment of {$450.00}, which was due on XX/XX/XXXX, was mailed to Navy Federal Credit Union by my bank XXXX. Navy Federal Credit Union said that they did not receive it until XX/XX/XXXX. I normally order payments from my bank to be sent 10 days before the money is due.
This problem has occurred twice before within the last year, and I believe that Navy Federal Credit Union is delaying the processing of incoming checks rather than marking them paid on the same day that they are received. I would like an investigation of their bill processing practices, since I think that 9 or 10 days should be sufficient time for checks to be mailed and processed in. 
I asked to speak to an upper level manager of XXXX XXXX XXXX, but the supervisor with whom I spoke refused to transfer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I have a collection account on my credit that reported open on XXXX of this year to Transunion. The debt in question went delinquent in XXXX, and I am unclear when XXXX XXXX sold the debt to the collector, XXXX XXXX XXXX. Under the FCRA, however, the date of the account opening should be related to the date of delinquency or charge off - I do not know if it is XXXX who screwed me over by handing a debt over nearly three years later or if it's XXXX attempting to gain more leverage in dating the debt to XX/XX/XXXX, but the debt is older than 4 months and must be accurately reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a death in the family recently and missed my payment date by 2 days. I called to request a courtesy waiver of the late fee and was told that I had a late fee waived back in XXXX, so that makes in ineligible for another wavier for 12-18 months. 

The complete LACK of customer service by Comenity bank, ESPECIALLY during a PANDEMIC is ridiculous!! How can there not be exceptions to their " standard operating procedures '' during this time, not to mention for the care of a customer who has lost a loved one!! This organization is thriving on bleeding customers dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to remove this unknown account from my credit file that do not belong to me. To date, Equifax has not remove this account or provided me more information about this account. I am in need of your assistance of getting this account remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to report that I have a tax lien from the State of XXXX and although they say it has been removed, it continues to remain on the report It is in the amount of XXXX and was inaccurately posted when I lived in XXXX, XXXX and had to prove XXXX residency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I want remarks from XXXX XXXX XXXX XXXX to be removed from my Eqifax credit report because it is well over 20 year a old & should no longer appear there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir/Madam, I recently approached US Bank Mortgage to refinance a rental property. It took them some time for their underwriting department to review my application and that is fine given the number of people refinancing their mortgage. 

My complaint is two fold : 1. My rental property is under a revocable Trust agreement but the bank 's underwriting department insists that they need to see the complete Trust document not just the Certificate of Trust which I provided to them. I was not sure what is legal and allowed since my searches online indicate that the certificate of trust should be sufficient and the fact that the trust is a private document. 

2. All the documents sharing with US Bank seems to be through email. They do not have a confidential way of sharing documents. My concern is that any documents I share is also stored in some server somewhere for some hacker to hack into. I would have thought that a Bank of this size would have secure method of collecting documents. They did offer me to drop the trust document at the local bank office but it was only after I raised safety concerns. 

Thanks and Regards.

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 2016-04-11
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received debt collection notice from MCarty, Burgess & Wolff for a debt that is not owed. I confirmed with XXXX that my account was paid off and was never owed a debt. This is a fake collection notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Multiple time we have faxed the Authorization to Release Loan Information, Listing Agreement and the Offer multiple times to no avail to M & T Bank, at the time, date and fax numbers below. I have proof that the faxes we successfully transmitted. One successful email was sent as well. 
Here 's the date, time and fax number or email : XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( successful transmission return email ) One must wait 3 days to call back to verify to they received it, which is wasted time because they said they did not receive it. 
Called back in to find out they have no record of such and re-faxed at the below fax number. 
XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) You have to wait 3 days to call back to find out if the fax/email were uploaded into their system. 
XX/XX/XXXX at XXXX mst at XXXXXXXXXXXX ( Delivered/Confirmed via XXXX ) XX/XX/XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) My assistant also faxed multiple times, but she is out of town and could not supply that information to me at this time. 
Here 's the challenge - because we needed to get the Authorization, Listing and Offer in within 37 days of the foreclosure sales date to M & T Bank, which we could have done had they acknowledged receiving the faxes and email. The XX/XX/XXXX foreclosure sale would have been postponed giving us time to get whatever else that may have been required. We are now a week away from the sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My Wells Fargo checking account was closed due to all these bank fees. I paid over XXXX dollars in one yr due to bank fees .that was ridiculous cuz of payments that weren't supposed to go thru but they allowed and still charged me all these bank fees. I was banking with Wells Fargo since 2004

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 2020-01-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citi prepaid amount paid XXXX and XXXX XX/XX/XXXX Still not cleared although funds were withdrawn from my bank account XX/XX/XXXX Citi is still holding funds Another payment in amount XXXX made XXXX also cleared through bank never released Citi is still holding funds and not making them available It is completely illegal to hold funds for more then 5 business days

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 2017-05-20
Company: Continental Finance Company, LLC
State: KS
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:
My   XXXX   credit bureau was pulled by  Continental Fin  Co on both   XXXX   and   XXXX  . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2020-08-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a home equity line of credit with TDBank in XXXX, XXXX For well over a week, my attorney, real estate agent and myself have been promised a HELOC letter stating the payoff balance as I have sold my home and need to pay off the HELOC in order to close on the property. TDBank staff initially stated that I simply needed to stop by their lobby to get the letter - that was not accurate and they turned me away stating they would need a 1 day turnaround. After one day, we were informed that a 3 day turnaround was needed - that was not accurate and we were informed that a seven day turnaround was needed. After seven days, I still have no letter. I have been infromed that the rate lock is good only until today, XX/XX/2020. I am angry and frustrated and getting no response whatsoever from TD bank. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I have a letter from XXXX confirming to remove the inaccurate account from my credit report. Thank You.

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 2016-10-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
We disputed XXXX XXXX XXXX with Equifax on both myself and my spouse ( XXXX XXXX ), We even went to Court to bring an end to this dispute. We went through the Magistrate Court of XXXX County which brought an end to the dispute. The matter is now Closed and this was sent to Equifax to have the matter to remain after repeated request and the court documents to Remove and close this matter. It appears that Equifax shows positive items as negative stated Sells of Accounts that actually are Insurance disputes. We have had numerous complaints as well as a contact of Equifax being sued under a Class Action for the same thing. We need your assistance as my wife filed a claim under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fees totaling almost a XXXX ( {$1000.00} ) dollars

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 2020-08-13
Company: Experian Information Solutions Inc.
State: KY
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:
Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}

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 2015-04-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This is to inform you that on XXXX/XXXX/XX/XX/2015 I send {$1000.00} to XXXX for a relative, when she tried to withdraw the money, they told her the money was not under her name but under a male named XXXX XXXX. I do not know this person whatsoever. After many tries they told her the reference number was correct but the name was different, immediately I called Money Gram Payment Systems to stop the transfer. The operator simply just transferred me to another department, and then to another, and by the XXXX operator they tell me that the money had been withdraw-ed minutes ago. I let them know that they are wrong because my relative is n't being able to collect the money. And they start a case and say that they will need two weeks to investigate. After two weeks I called Money Gram Payment Systems and no one knew anything regarding the case, they had no information to give me. When I demanded answers the operator simply ignored my questions and at XXXX point hung up the phone on me. On XXXX/XXXX/XX/XX/2015 I went back to the Money Gram Office I had used to sent the money from, and the employee contacted the Money Gram Main Office, and after being transferred to many departments as usual, they had no answers and now they need 90 days to investigate. In my opinion they are playing games, or ignoring me, because they can simply open files on their system and find out which employee, and which office authorized to change the name, just by a XXXX of clicks on the computer. I simply sent money to a relative and some stranger collects it? That seems fishy to me. I 'm not understanding how that happened. After a conversation with my relative she says that the bank manager in XXXX told her that they can not change anything on the orders, not even a name once the sender sends the money. If that 's the case then how did a random stranger with a different name than the recipient 's name collect my money? As far as I see it Money Gram Services is at fault for not taking care of the money and giving it to the correct person. I really think they violated my trust, broke a contract and simply stole my money. I want and need my money back as soon as possible and an explanation what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was closed without me knowing and Wells Fargo also took money from my account and then said that it was fraud and it was not true I worked hard for my money to provide for my XXXX children

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 2015-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a lawsuit against SPS Inc. ( Select Portfolio Servicing ) for predatory lending, I have been trying to get a fair loan modification and have been unsuccessful. In XX/XX/XXXX I submitted XXXX requests for loan modification TO SPS and was turned down each time. Then I hired an attorney who found fraudulent conduct on the part of XXXX ( original lender ), XXXX and SPS ( who now services the loan. When my lawyer filed the lawsuit, I suddenly received a trial loan modification from SPS, but it was very vague and was not a good deal. And I refused it. I had already suffered at the hands of XXXX with many lies and fraudulent behavior. In XX/XX/XXXX I was in foreclosure and XXXX told me if I could start making payments each month plus extra to catch up my past due payments, I would be okay. In a 5 month period I paid XXXX {$17000.00}. On the 6th month when I went in to make my payment, I was told they could not accept my payment because I was in foreclosure. I was in total shock! From that point on I did not trust anything they told me. Then my loan was " sold '' to SPS. When I called they said they were servicing the loan for XXXX. I did not accept the SPS modification as I did not trust them. There was nothing guaranteeing they would adjust my interest or principal. There were all kinds of late fees, etc added onto my loan balance. SPS. I was paying a lawyer every month to work this out for me ... but to no avail. My house is now scheduled for Trustee Sale on XX/XX/XXXX. I DO NOT want to lose my home. I am at a loss and do n't know what to do. PLEASE HELP ME!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-01-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the National Disaster of the Coronavirus outbreak, I suffered great financial hardship. I immediately contacted Chase and they assured me I would be put on a deferment program. 
When it was time to begin my payments, i was informed that it was a forbearance, my underwriter ( USDA ) changed their minds and i was to come up with {$17000.00}. 
I have tried applying for funding through XXXX for the coronavirus grants for help, uet the XXXX of Michigan hasn't released the funding. I have been on a waiting lists for about 5 months now. I have contacted my XXXX XXXX and XXXX with no avail. 
I have been pleading for help, even got scammed by a person pretending to be Chase. 

I have tried everything and the USDA will not help with the deferred payments. 
I was not responsible for the Pandemic. This was a national disaster for which no one saw coming, and the federal government has allotted monies to help the people of the state of Michigan. 

I will lose my home. 
I beg for help I dont feel the banks and underwriters are using the funding available to the people correctly nor trying to help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I made 3 transactions. One transaction for {$7.00}, one for {$7.00} and another for the same price. All 3 transactions were taking out of my account and my balance changed. I woke up the next morning and the transactions were at the top of the list and the chronological order was entirely off leading to those 3 charges as freshly new charges. I was charged with an overdraft fee for the 3 transactions. This has happened previously but I was granted a fee reversal. I ask for the fees to be reversed again but they denied me. I told them they should reverse the transactions due to resequence but they were not understanding. I have done my research and have seen that debit resequence happens often but many account holders don't notice. Resequening is totally unfair to account holders.

Company response to consumer: Closed with explanation