BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
RE : Issues over Home Financial Hardship Application with US Bank Ref : US Bank Home Equity Line Accounts XXXX & XXXX Property : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Mortgage Complaints Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Dear Sir or Madam, I and my wife are the owners of the above property, which is solely encumbered by XXXX US Bank Home Equity Lines of Credit with the above account numbers. 

We are trying to sell our house, but due to the ongoing decline in the XXXX real estate market, the value of the house is now at or below the value of our outstanding debt to US Bank. We submitted a request for a short sale, with the Home Financial Hardship Application and all required paperwork, to US Bank on XXXX XXXX, XXXX. In early XXXX, we received letters that XXXX relationship managers, XXXX XXXX XXXX and XXXX XXXX XXXX, have been assigned to our case. Since then we have cumulatively left XXXX voicemail messages and sent XXXX emails to XXXX XXXX and XXXX XXXX, but received not a single response. We have also repeatedly called the US Bank customer service lines for both mortgages and home equities, but were given the run-around each and every time. 

We recently received an offer on our property which was below the value of our debt, but not having received authorization for a short sale we were unable to accept the offer. 

We are XXXX XXXX XXXX seniors with serious health issues ( please see attached HFHA hardship letter ). It is now 74 days since we submitted our request. We need assistance and are extremely frustrated and disappointed by the way US Bank has handled our case. We respectively request the CFPB 's assistance to resolve our case in an expeditious manner. 

Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX ( cell ) / XXXX XXXX XXXX ( home ) Current Address : XXXX XXXX XXXX XXXX , 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 explanation
Consumer complaint received 2022-07-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
As a XXXX XXXX member I was looking for tickets and saw an advertisement for American Express. " Earn a {$300.00} Statement Credit and XXXX Bonus Miles ''. 
XX/XX/XXXX XXXX I applied, got approved and received a temporary credit card.. 
XX/XX/XXXX I bought XXXX tickets using this card ( I spent {$1300.00} ). 
At the end of XXXX, I called American Express and received confirmation that " Welcome offer '' ( including {$300.00} Statement Credit ) were available to me. 
As a matter of fact I received an information letter from AMEX dated XX/XX/2022. 
Week ago I received monthly billing invoice from American Express and did not found {$300.00} Statement Credit. 
XX/XX/2022 I called AMEX ( talked to supervisor ) and they told me that for some reasons I did not qualify for this credit. 
My understanding, is that even if I don't fit their criteria ( which I doubt ), they must warn me that I am not eligible for Statement Credit before I start using their credit card. Otherwise it is cheating the customer as they have the advantage anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Account status incorrect

Complaint:
XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX  Account 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 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2016-05-02
Company: Bull City Financial Solutions, Inc
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
after relaying to the supervisor of BULL CITY ( XXXX XXXX ) that i XXXX XXXX XXXX my be a victim of identiy theft, XXXX continued to request my personal info without validation or proof of any debt owed by me.The purported debt collectors ( XXXX XXXX ) have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXXXXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX : {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Carter-Young, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a collection listed on my credit report from Carter-Young Inc for an amount of {$10000.00} which is completely wrong. I have tried to resolve this but the apartment complex has changed hands and now no one can talk to me about this false collection. I received something from the initial apartment showing {$3500.00} no where near the {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I wrote a check ( # XXXX ) in the amount of {$1200.00} On the same day, I put a STOP PAYMENT on the check. 

On XX/XX/XXXX, the bank paid out on the same check ( # XXXX ). 

On XX/XX/XXXX, I walked into my branch ( Bank of America XXXX XXXX ), and spoke to the branch mgr. I explained the situation. I told her that I was surprised that the check was paid by the bank. 

Her response was, " it should not have been paid for 2 reasons ; 1 ) its a stale check and 2 ) a stop payment was put on it '' With me in the room, branch mgr called customer service. She was surprised to hear that STOP payments expire after 6 months. And checks do not go stale. 
She was very surprised. And I was too, of course. 

I was not informed that STOP payments expire. 
Also, the check was presented months earlier, and block by the bank. So the thief waited for the STOP payment to expire. 

I was not notified that the check was presented earlier easier.

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 2015-09-11
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
My wife has an Old Navy Credit card, and her total purchase for FY 2015 were {$200.00}. After several months of paying the minimum to pay off the balance she received a statement that now alleges she owes XXXX. They will not send us an itemized statement showing how we reached this astronomical balance, nor will they explain it to us via phone. They immediately pressure my wife into a settlement discussion asking her to provide a date that she can pay 30 % of the balance and they will cover the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: MS
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:
IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: AES/PHEAA
State: WI
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:
Since XXXX of 2018, my PSLF payments have not been updated as eligible although my annual certification was faxed to them by my employer. This year, due to a staffing change, I had to upload my own paperwork. While logged in, I noted that 46 payments had been missed/ not marked as eligible although they were. I have not changed employers or positions in that time. I have attempted to contact FedLoan Servicing via their listed email and multiple phone calls. Several times I have waited, stuck in their hold que, for hours. Today was for over XXXX hours. Following the prompt to " press 1 to be called back later '' only redirects you back to the holding que. 

This is incredibly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo services froze my account on XX/XX/2021 with a balance of XXXX left in it I have contacted them on numerous occasions they will not tell me why or how my account was frozen so I decided to wait their 180 that their policly says to wait. After waiting their 180 days I tried to contact them again and they just repeated what they said the first time. Now it has been well over their 180 days that their own policy says its been over a year and they still refuse to let me transfer my money out and close my account I think ive waiting long enough...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My mother and I have a joint checking account with Chase Manhattan Bank My mother made out a check to me in the amount of {$360.00} and lost the check The check was deposited in another financial institution and my bank paid the check. 
I never received this check, the check was not endorsed by me. 

I contacted Chase Manhattan and reported this. 
They had me fill out a form " Declaration of Unauthorized Endorsement or Altered Item '' so that they can recover the funds from the other financial institution. 

Chase has received my form and has begun their investigation. 
They informed me that it would be 60 to 90 days until I received a response, and if they did not receive a response from the other financial institution they would ask them again. 

When I asked if there was a legal requirement as to how long the other financial institution had to provide chase with the information, they did not know. 

I want to know how long I have to wait to have the funds credited back to my checking account, if there is a statutory time limit, and, if I will be informed as to the exact details of the fraudulent deposit of my check, i.e., what signatures/ who endorsed the check, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: SYNCHRONY FINANCIAL
State: VA
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:
I ran my credit report in XXXX and noticed a charge off account I did not open. I called the number on the report and was told it was a PayPal credit card. The woman on the line could not find an account for me so I disputed the charge with the three credit bureaus. The dispute came back with the bank saying it was valid. I called Synchrony Bank and discovered they had opened a credit card account in on XX/XX/XXXX using a name I have not had since XXXX and an address I have not lived in since XXXX. They refused to take my fraud complaint unless I gave them my new name and correct address to allow them to correct the information on the fraud account. I asked them to please close the fraud account and tell me how it was opened. They refused. I asked to have it escalated to a manager she refused to note the account as a fraudulent account. I asked to be escalated again and they hung up on me. I am not able to refinance my mortgage because they continue to report this account as past due every month with a balance that is increasing by {$2.00} each month. The account was opened with a {$1500.00} limit and now reporting a past due balance of {$40.00} due to some time of $ 2 monthly charge. I have never received a credit card and believe they must have opened a card in my former last name and sent to the address where I used to live. I never requested this card.

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 2021-12-16
Company: Beacon Funding Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX I wired the financial company one hundred and twenty three thousand to buy my trucks that was the amount that they asked for. I had a security deposit that was supposed to be returned after the loan was paid off I payed off loan 31 months in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime Bank Cuts All contact and freezes millions of peoples cards and accounts Chime Bank Cuts All contact and freezes millions of peoples cards and accounts. 
After doing some research being denied going to buy food and just checking my bank balance a couple minutes before, I do a simple check again and see a small notice that says chime had " intermittent issues ''. No further detail was given. 
I did a small search on XXXX and after no email or text or any notification, see a XXXX from chime. Were currently experiencing intermittent issues with our mobile app and website. Card purchases and ATM withdrawals are also affected. Our teams are working as quickly as possible to bring everything back online. 

For status updates, visit * link provided*. Looking through the comments I see that millions of others are experiencing the same issue for hours. No email no notice. People are finding themselves stuck at gas stations having police called on them, having cops called on them at restaurants, missing their sons funeral because of not being able to buy a bus ticket, being embarrassed, ridiculed, and worse. Chime blocked all of their contacts. No phones, no in app chat, no live chat. It was as if they tried to disappear and we had no access to our money. Chime then proceeded to block persons complaining on XXXX hide comments about complaints and ignore us continuously for hours. After 4 hours we still received no email, no phone call or text, no update in communication to tell us what we can expect or do. They still have their communication shut off and gave us no warning or anything as we go throughout our days with no idea of what's happening. Millions having been affected in the worse ways possible. Chime has done nothing to apologize even in the original XXXX  that led us to even know something was wrong. I feel violated as I just got the bank and already feel that I can not trust them with my business. I and hundreds of others that expressed themselves on XXXX expressed their disgust and anger and intense situations online with the company with no action to console or help anyone with their situation. Utter embarrassment and despair. 

How can I and many others take action for the damages caused by chimes questionable and harmful business decisions and actions in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a lady " XXXX '', from a number from our county Clerk of Courts ( allegedly ). I was advised that there was a summons or sealed affidavit. I then inquired to what is was about and was given the number of ( XXXX ) XXXX, and to contact " XXXX XXXX. '' Upon calling, I spoke to a " XXXX XXXX '', working for a company called XXXX XXXX XXXX, and the Law Firm of XXXX XXXX, based in XXXX XXXX, FL and was told by " XXXX '' that they were going to serve me with papers. I immediately became suspicious but asked for the validity of the debt. Although he gave me some information pertaining to the debt, I was still unsure ... I then called the actual company ACE cash, and was advised that although ACE does use their services, they do not condone the threat or go after default debtors in that manner. I asked for a phone number for this company from ACE, and were given ( XXXX ) XXXX. I was told by the representative at ACE to call that number, and ask for XXXX. Upon calling, I immediately got " XXXX '' again. This was suspicious to me, but I then told him I need to check some things out and I would call him back.. I was advised by ACE that they just sold the account to the collection company approximately 30 days ago. I have never received any kind of written notification from any collection agency. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX i obtained a loan for a used car with which at the time was Wachovia ( know now as Wells Fargo ). At the time I obtained the loan I had my own insurance provider and carried full coverage auto insurance throughout the whole time I had my loan, well years later ( almost 14 years ) and unbeknownst to me Wachovia/Wells Fargo placed CPI onto the monthly note of my loan costing me thousands of dollars throughout the time of my loan. 
In XX/XX/XXXX i received a letter from Wells Fargo asking me for to verify what insurance company I was with during my loan to them 14 YEARS LATER. I DID however provide Wells Fargo with the information requested and to this date I have not received either any information or compensation for the monies that was fraudulently added to my loan without my knowledge or permission. I have contacted both Wells Fargo Office of the President and the office handling the CPI claims and to this date I have no resolve. 
It has now been over 120 days since Wells Fargo received the information I provided which is sufficient, adequate and an appropriate amount of time in which to resolve my claim and complaint. 
Your assistance in this matter would be greatly appreciated Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX. 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