BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: EVERBANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Company is TIAA/XXXX  I have paid off my mortgage and am trying to get a satisfactory letter so I can sell my house. 
On XXXX XXXX received a payoff letter stating a satisfactory letter would be sent to the county. My settlement date was XXXX we,XXXX but was postponed until XXXX XXXX because the title company can not get a copy of the Satisfactory letter. Could someone please tell me is this customary. 
Is there a legal timeframe when such letter should be sent to the county? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I would Like to open up a complaint On wells fargo bank I sent them a letter on XX/XX/XXXX to Investigate a credit inquiry On XXXX and XXXX report I also sent a copy of a police report explaining that I was a victim of id Theft They fail respond to my request its been well over 30 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 2021-09-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ok I made some purchases on XXXX and PayPal took money from my bank account and credit card accounts gave me a negative PayPal balance even though I paid for the transactions. Then took money from me again when I attempted to load my PayPal account through my bank account and said it was to cover a negative balance. I opened disputes and sent in hard copies of evidence stating where the payments were taken from PayPal and PayPal would credit my account then take the money back and throw my balance into negative again saying I owe PayPal. This is theft. I paid for my purchases. PayPal owes me a lot of money. I want my money back ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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:
There are a number of fraudulent accounts that appear on my credit report with Equifax, XXXX, and XXXX. I have filed an FTC complaint detailing all of the fraud that took place on my report. I just want this corrected. This is keeping me from getting a house and getting a car. This is not right and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Suntrust Bank is avoiding completing the short sale process. We were clear to close in XXXX 2015, when the bank " just '' noticed names had changed due to marriage & divorce ( this should have been caught up front, I provided a marriage certificate in XXXX 2015 when this process was started ). In XXXX 2015, we were needing an updated approval letter from Suntrust to bring this short sale to a close. Suntrust representative XXXX XXXX replied that the short sale expired XXXX XXXX, 2015 and we were outside of contract. Now the bank is not responding to the short sale coordination team. We have been working with the bank for a year now with no resolution. The short sale coordinator has well documented notes of all communications with Suntrust ( and XXXX as the XXXX involved ). 

The resolution desired is to complete the short sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this companythis account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 at approximately XXXX  - XXXX I deposited {$550.00} in cash into a Citibank ATM located in the drive through lane of Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I inserted by debit card into the ATM, entered the pin, inserted the cash. The ATM accepted the cash, but it acted as if I did not insert anything in it. It did not give me a receipt for the deposit. I waited in the drive through lane for a while, and later went into the branch to complain that the ATM took my cash. The branch manager said that he couldn't do anything, and that I need to call the XXXX number at the back of my debit card. 

I called the XXXX, and was told that they would investigate and issue a credit for the deposit. I received a letter on XX/XX/2021 advising me that " there was no cash discrepancy for that location on the date in question '' and therefore Citibank will " deduct the provisional credit ... within five business days from the date of this letter. '' As a result, the Citibank ATM stole {$550.00} from me, and the bank is refusing to give me a credit for the cash.

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
SEE ALL ATTACHED VIOLATIONS AND CASES PERTAINING TO MY CASE

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 2020-04-03
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies.

I received " system not available '' massages from all 3 agencies ( Experian, XXXX and XXXX  ). Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.

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 2020-05-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a card through Chase because I am in the process of trying to build my credit and I have banked with them since I was a teen. I received a notification regarding my application dated XX/XX/2020. Indication there is a fraud protection alert on my XXXX  report. It instructed me to contact XXXX  to provide my phone # and then once that is provided to call chase back to let them know. That is when they confirmed I submitted the application and that even tho they had already did a hard inquiry they would be doing one again!?! I said absolutely not. No where on this letter indicated that another report would need to be pulled. It simply stated that once the information was updated with XXXX that they would continue reviewing my application. The initial inquiry already deducted 8 points that I cant afford. Again, because Im bettering my finances and paid off any and all debt and trying to better my credit. The representative and manager did absolutely nothing but say unfortunately there is nothing they can do. This was terrible customer service. I have that alert to protect my credit not XXXX me over even more. I was diligent in responding to them within the 14 days as indicated in the letter and it didnt matter. So now Im stuck with having to go elsewhere at this point costing me an additional inquiry regardless because honestly at that point I felt that if I did allow them to do it again Id probably get declined, be down an additional 8 points and in a worse situation than Im already in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Im being accused of making transaction on a card I never applied for this was open without my consent I tried telling the bank but got harassing calls constantly telling me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My complaint is with American Education Services ( AES ) who maintains the original private student loans taken out XX/XX/XXXX through XXXX XXXX XXXX XXXX. 
My son attended XXXX which was part of XXXX XXXX at the time and is now part of XXXX XXXX. I co-signed for the " Private Student Loans '' so he could attend this school. 
I requested additional information from AES with regard to a XX/XX/XXXX CFPB newsletter about Relief for Students of XXXX. Specifically what steps need to be taken and if there are forms to fill out for student loan relief. 
The CFPB newsletter states the loan servicer will notify us " if '' we benefit from this agreement. I had not been contacted directly by my loan servicer American Education Services ( AES ) in the ( 7 ) months this agreement was published. 
I decided to contact them myself on XX/XX/XXXX & XX/XX/XXXX to request information about this settlement. They directed me to contact the US Dept. of Education - Waste, Fraud and Abuse by phone. The phone number mail box if full and messages can not be left and you can only call on certain days. This particular phone number was associated with federal student loans not private. They also directed me to the studentaid.ed.gov website and stated there " should be '' forms available to fill out and submit. The forms appear to also be directed toward " federal student loans '' not private. I called AES again speaking to another representative who stated they needed some type of a form from CFPB authorizing student loan relief. 
I feel my son and I are eligible for this student loan relief based on the lack of job opportunities in his field of study the XXXX representative stated were in high demand and with excellent pay so affording the student loan repayment should not be a problem. Job placement from XXXX consisted of a limited list of " potential '' employers some of which when contacted were not hiring at all. Another employer my son contacted stated that they did not have good luck with XXXX students. My son is still not working in his field of study 10 years later. These types of recruitment tactics used by XXXX are fraudulent in my opinion making our student loans eligible for student loan relief. 
American Education Services appears to be unaware of what information is needed to resolve this issue or is unwilling to help. 
Can you please clarify what it is I should be doing to apply for this student loan relief and direct me to the correct forms to use if any? Is CFPB able to contact American Education Services and provide them the information they need to start this process?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: VA
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:
I have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, XXXX is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .Equifax is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We have been charged over {$2000.00} in bank fees from Wells Fargo Bank due to our business checking account in XXXX, over {$750.00} in XXXX for many instances that are n't making sense to me. An account will show a positive balance and more than needed to make a purchase, the following day will be debited over - $ 1- {$25.00} ad multiple bank fees causing the negative balance. I have called Wells Fargo Bank 800 # several times once I could n't get cooperation from the branch level. I have yet to receive any cooperation at either level and most recently still have n't received any movement forward with a call back from a manager level as I 've requested. 

Also, in XXXX, realizing they opened a checking and savings account without our permission and additional check/debit cards, I placed a complaint with the banking branch manager. The savings account debits resulted in multiple bank fees.

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 2016-06-17
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I talked to AES ( AMERICAN EDUCATION SERVICES ) a couple weeks ago on the phone about how they can help me with my student loans .When I spoke to them they said they had XXXX payment options to help me. I called them today XXXX/XXXX/16 to set up XXXX of those payment options and they stated they ca n't help me, that I used all the options that I had available. It is very conflicting on the information that they are giving me. I really want to keep up with my payments but AES is taking me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: SC
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 found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: SC
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 found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly

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 2017-01-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am the executor of my late mother 's estate, XXXX XXXX XXXX. I am in the process of distributing the assets in her account to her heirs, me and my brother. The attorney handling her estate advised that a " distribution in kind '' be done to prevent incurring any tax liability. 
I contacted their investor services twice to determine what the proper process and procedure is to affect this change. On both occasions I was advised that I had to use a Wells Fargo advisor in order to do this. None of the other mutual funds that she has require me to do this. 
I feel that this is Wells Fargo 's way of generating more income by imposing fees just for filling out paper work.

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 2020-01-16
Company: Radius Global Solutions LLC
State: SC
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:
I pulled my credit report and I notice a derogatory collection account on my report from a company named Radius Global Solution. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I currently have a Home equity line of credit, which is 30 years, first 10 years are for draw, remainder 20 years is to pay back line of credit. My bank contacted me to ask if i want renew credit line, but said i would have to pay filing of lean, which would come to about {$240000.00}. I asked the bank since there still is a lean for another 20 years, why would i have to pay. They said thats the way it is. My question is that necessary, or can they continue to use same lean. The home is located in New York State. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX  closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation