BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
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:
Wells Fargo is draining me. Every month Ive asked about this : I am NOT opted into any overdraft situation. Therefore, if there are no funds in the account, payments should not be being made. Im experiencing extreme financial hardship at the moment, but it appears theres always some payments that seem to go through even with no money in the account! That means every month Im paying upwards on XXXX XXXX in overdraft charges, but I continually tell them this is not acceptable. Not to mention, some of these charges seem excessive! XXXX dollars overdrafted and you charge me XXXX XXXX plus you continue to allow payments to go through for things I didnt even realize I was paying for because SOMETIMES they do not go through. There has to be a way to fix this! Im in crippling debt and Im just trying to stay above board, fix my business and feed my child.

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 2023-07-20
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been working with the Mortgage relief program as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and they have released funds in the amount of {$60.00}, XXXX in order to bring out the loan current as of XX/XX/XXXX. However, as you can see from my XX/XX/XXXX mortgage statement, our loan is not reflecting as current, and it is still showing as late. It also states that failure to bring my loan current may result in fees and foreclosure- the loss of your home. As of XX/XX/XXXX, it shows I am 132 days delinquent on your mortgage loan. This is ruining my credit and I have done everything I need to do but if CrossCountry Mortgage does not apply the MSP funds to my account properly then I will continue to appear to be in default. As of today XX/XX/XXXX the amounts applied by CrossCountry appear to only be {$36000.00} and this is not the full amount of {$60000.00} and does not completely bring my loan current. The XX/XX/XXXX mortgage statement that I included shows that I am still {$16000.00} late on my mortgage which is incorrect. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX has also closed out a previous ticket ( complaint XXXX XXXXXXXX ) I had regarding this matter because they had promised to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: MO
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:
I moved across country on XX/XX/XXXX. By the XXXX or XXXX I realized I had been significantly overcharged by XXXX XXXX. I contacted them on the XXXX or XXXX and was told they would make an adjustment once truck was returned. I had a trailer, truck, and cargo van. I then contacted my bank and filed a dispute. I was given credit. Today Im sent a notice telling me Im minus almost XXXX in my account, when I look to see why it says that a credit requested by budget ( there were multiple ) was canceled. XXXX never refunded my money and they never contacted me about this. This is unacceptable and basically allowing someone to steal money from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reached out to US Bank to dispute four transactions on my bank account XXXX. There were two external transfer withdrawals on XX/XX/XXXX  for the amounts of {$2600.00} and {$2400.00} and another two external transfer withdrawals on XX/XX/XXXX  for the same amount. 

Four external transfer withdrawals totaling {$10000.00}. I did not request or authorize these transfers. 

I filed a claim over the phone with US Bank and my claim was denied because they determined that I requested them. 

That is an incorrect determination and I am requesting that the errors on my account be corrected. 

The four claim numbers that were denied are as follows... 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Took over XXXX dollars twice from a XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. These creditors Have violated my rights. 
Indigo- XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX Under 15 USC 1681 section 602 : States i Have the right to privacy .

Under 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2023-07-20
Company: Fay Servicing, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A couple of issues with Fay Servicing - In XXXX of XXXX I changed Homeowners Insurance carriers and between XXXX of last year and XXXX of this year, between me and my insurance carrier there were no less than 5 attempts to send the new insurance information to Fay Servicing . Fast forward to XX/XX/XXXX, I receive a notice that Fay Servicing was force-placing insurance on my property. During all of this, me and my insurance company were in contact with my SPOC ( single point of contact ) and were assured it was being taken care of. On XX/XX/XXXX, Fay advanced {$3400.00} out of my escrow acct for the force placed insurance. Reaching out again, was told their escrow department had never received the proof of insurance. I immediately got my agent and my SPOC on the phone together. Shortly after XX/XX/XXXX I received a letter stating the force-placed insurance was being cancelled. On XX/XX/XXXX Fay Servicing erroneously debited out of my checking account {$2400.00}. My regular payment was approx {$1900.00} which included and additional {$200.00} principal payment. Fay Servicing debited an additional approx {$500.00} without my consent. 

In addition to this, Fay Servicing set up a Loss Mitigation repayment plan that I didn't need OR request and as of today, the repayment plan is still reflected on my account. This is not the first time this has happened and will be following up with the FHA to ensure Fay Servicing is not receiving some type of servicer benefit from reflecting that an account is on a repayment plan. 

Last, but not least - I logged in to remove my banking information from their system and it will not let me remove it. Three or four times this week ( XXXX ) have left messages to have a manager, or supervisor call me to discuss to no avail, only voice messages from the SPOC. There are certain times I can talk outside of work and they will not call during those times and while they will call it an attempt to get a hold of me, I've been quite clear and have specified times. Agreeing to share this complaint as I hardly think that my experience is isolated and could possibly contribute to Fay Servicing being held accountable at the regulatory level for their questionable mortgage servicing practices. 

Including sceen shots of my payment and escrow history, the repayment plan & message not allowing me to delete MY banking information as well as letter rgarding force-placed being cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXXXXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. XXXX  XXXX, XXXX, Attorney General, and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX bank, chase, and XXXX XXXX prompting me for my credit cards in XXXX XXXX on my XXXX. When i call to fix they advised my cards arent being used for XXXX XXXX. Yet my XXXX wont let me add cards to my account due to the fact the accounts are closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: GA
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:
We sold our home and paid the full amount of the mortgage to XXXX Mortgage Servicing {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The US BANK placed an hard hold on my accounts and havent allow me to access my accounts and this caused me to lose a lot of my clients and have caused me issues recently in the past. They keep shutting my accounts down when I get a big deposit or deposit a check and this is causing me to not be able to get bills paid and expenses taken care of.

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
the other XXXX XXXX XXXX called about a fraud attempt to obtain financing tob uy or lease or mortgage car at XXXX or else where, and on my creditr report I see ther was also an inquiry to capital one auto finance on XX/XX/23 also and I have no capital one auto inquiries and this is a fraud. Capital one I called twice and they seeemed unable to help me and kept me on hold for 15 minutes and did nothing. 

SO I am forced to file this complaint to make sure they recognize the fraud and identify theft and shut it down. shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX Experian and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed InformatiXXXX. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 2023-07-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The Wells Fargo location at XXXX and XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). on XXXX  XX/XX/XXXX around XXXX XXXX. The banker ( s ) refused to maintenance my account and denied access to my funds.

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 2023-07-20
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Told me no because I would not give reason! 

Today second attempt, been on hold XXXX minutes but said needed reason, I told them the were a crook and finally canceled. 
My complaint is they refused to process my request to cancel account unless I provided a reason. The bank blackmailed me to provide a reason or they would continue charging {$99.00} per year.

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 2023-07-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Talked to XXXX  today the executive advisor on my case and she Claimed the last payment I made went toward interest and partial to the principal payment but was not given any numbers on what I actually owed. Never received information on how due date was calculated or why my balance was {$2800.00} all he ever says is hes working on it but he has all the he need. I went to pick my vehicle up at XXXX at XXXX XXXX and the battery isnt working and the driver side window is cracked/ broken and tried to make a claim with both companies but nothing was done about anything.

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 2023-07-31
Company: EQUIFAX, INC.
State: IL
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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I tried to buy XXXX XXXX tickets. The Seller was charging {$350.00} per ticket and I was planning to buy 3 tickets so a total of {$1000.00}. The Seller requested payment through XXXX. Prior to sending the money, I called US Bank to ask if I was covered by my bank in case this ended up being a scam. I did my due diligence by looking into the person and asking specific questions and felt like it was legit. The customer service rep at US Bank told me that I would be covered if it was a scam and all I needed to do was to call back and dispute the charge on my checking account and a claim would be opened. Unfortunately, it ended up being a scam so I called US Bank and immediately disputed the charge and opened the claim. I was told that is would take 7-10 business days to hear a decision and if it was approved then it could take 45 days to get the money back. I asked what the likelihood of this being approved given the situation and was told it was very likely as I was clearly scammed. On XX/XX/XXXX, I received a letter from US Bank telling me my claim was denied. On this letter there was no reason for denial and it says I can call US Bank and request an documents used in the investigation. I called US Bank and asked what was going on, the rep pulled up the claim and could not find any reason on her end or any documents used. The rep told me that she would reach out the claims rep and when she heard back she would call me. She never called me back. On XX/XX/XXXX, I called US Bank again to see what is going on with this claim. That rep asked if the letter gave a reason for the denial and I said no. They put me on hold to find out what was going on. When they returned all they said was it was denied and I could call the police and file a civil suit if I wanted to. When I asked, why I was told otherwise back on XX/XX/XXXX, I was not given an answer. I requested all of the documents that were used in the investigation to be mailed to me. I was lied to on multiple occasions by US Bank and how they handle this situation makes it hard to trust them. Their employees agree with me and understood my frustration and thought it was not fair as I was told on the phone.

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 2023-07-20
Company: Nelnet, Inc.
State: NJ
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:
on dates XX/XX/23 and XX/XX/23 that is when they lied to me

Company response to consumer: Closed with explanation