BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home from foreclosure. I hired an attorney to assist me. My attorney was advised my loan modification request was denied on XXXX/XXXX/15 verbally. However, my servicer Bank of America has not issued me a denial letter. I wish to appeal the denial as I believe I qualify and there must have been an error. In the meantime Bank of America has set a sale date on my home for XXXX/XXXX/2015. I have requested several times to have the denial letter issued to me and Bank of America does not send it. They refuse to issue it by fax or email to my attorney. They gave me a login and password for their web site stating I can see my denial letter on the web site and when I log in it will not allow me to look at anything. My attorney states they are purposely withholding the denial letter from me in order to burn the 30 days I am allowed to appeal. From what I can see my loan modification was denied on XXXX XXXX, 2015. To date I have no denial letter. Once XXXX/XXXX/2015 arrives they will have blocked me from my legal right to appeal the denial. Then I am sure they will try and go ahead with the foreclosure set for XXXX/XXXX/2015. This not only seems very unethical, but also illegal as I am told per RESPA Reg X ( XXXX ) am supposed to be given a denial letter and also given 30 days to appeal. I tried calling Bank of America again today and once I put in my loan number their phone system will not allow me to speak with anyone. Only leave a voice mail. They are purposely withholding my denial letter in an attempt to foreclose my home. They have been dual tracking my foreclosure process since XXXX 2015. What is the point of having Respa Reg X regulation when banks like Bank of America are not held to adhere to the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18.00} DPTEDXXXX XXXX {$28000.00} XXXX XXXX XXXX {$20000.00} XXXX   XXXX {$2600.00} XXXX XXXX {$840.00} MXXXX XXXX {$590.00}

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 2016-04-05
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Recently I found an item on my credit report from this organization. It came as a surprise as I had not received any notification, verification or communication from them. 

Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. The accounts seem to have a pattern of being opened, quickly used, never paid on and subsequently closed. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this, though only XXXX is currently being reported. I do not know of the accounts in their office and had they attempted to contact me, I could have advised these are not my accounts as these accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. 

Despite this, they continue to report inaccurate data on my credit report and leave the file open using it as leverage in a sick attempt to force payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended XXXX XXXX University, XXXX XXXX and XXXX XXXX XXXX XXXX. Navient is the loan servicer for XXXX of my private loans ( # XXXX & # XXXX ). They are demanding a combined minimum payment of {$470.00}. My income is about {$24000.00}, per year. I can not afford that payment. I have called and talked to the people at Navient and they offer me no solutions, yet I know there are programs out there to help me make my payments. I want to pay, but need affordable payments. Navient is not interested in helping me. Instead they have trashed my credit report reporting me now as 4 months late, even though I keep trying to get their assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In XXXX my XXXX asked if he could pay his rent using PayPal. To accommodate him I set up a PayPal account and he paid several payments on XX/XX/XXXX. System worked fine. The next month my tenant paid on XX/XX/XXXX. This time the funds were on " hold '' and he has been unable to release the funds. My XXXX says he has done all he can and that Paypal has removed the funds from his account. Paypal doesnt give me the option to speak to anyone, their dispute center says the dispute is with the " sender '' but the sender says they already took his money and he cant do anything else. Paypal is " floating '' the money as they say they will hold it until XX/XX/XXXX. I am put in a particular situation here as technically I have not received the rent therefore I should start legal action against my XXXX. However, my XXXX  says he has done all he can and he cant get a hold of a live person at Paypal either. This is a SCAM. I bet if you investigate Paypal you will find that they are floating customers funds illegally to the tune of millions. I have " submitted '' questions and complaints through there messaging center over five times over the last 11 days. How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year XXXX. I was told I was approved for complete financial aid since I was a XXXX XXXX and had no income. The grant was suppose to be approved for the program which was XXXX in XXXX XXXX. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or XXXX about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from 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 2017-02-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Last year I received in the mail an unsolicited credit card from Chase Bank. The card required my activation which I withheld as I did not want the credit card. I promptly forgot about it and then about 3 weeks ago I received a telephone call from Chase advising me that they suspected that my account had been used ( or had had an attempted use ) that appeared to them to be fraudulent. I explained to them that I did not have an account or credit card with them. I explained that I had received an unsolicited card but had never activated nor used it and that I do not want it. They replied that I should contact the XXXX major credit rating agencies to explain what had happened. Yesterday I received a form letter from Chase stating that their internal investigation cleared me from any responsibility for the fraud and that they had so notified the XXXX credit agencies. 
I then though of the XXXX XXXX incident in which employees were opening credit card accounts for people just to get the bonus. Could it be that Chase is also guilty of that? 
Please look into this. I have never applied for an account of any kind with Chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Have a card for XXXX XXXX thru First national bank of Omaha. Credit limit was decreased because they said payment was received 3 days late regardless I send the payment every day of the month. Told them maybe was late due mail problems due to COVID-19. Account was reviewed but not changes done.

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 2020-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested a deferment and received a deferment agreement from Fifth Third Bank. in the agreement it stated the company was going to defer my XXXX, XXXX, and XXXX payments due to COVID and i was told this would prevent negative marks going on my credit report. But they put negative marks on my credit report anyway. When i asked them to remove them due to the agreement, they said they couldn't do that and told me i needed to file a complaint with the FTC, they FTC sent me to this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax reports me as being late on an XXXX XXXX XXXX Account XXXX. Once in XXXX of 2016 and again in XXXX 2016. XXXX never reported me being late and Equifax has failed to verify and correct but has not done so in 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Jacob Law Group, PLLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter today from JACOB LAW GROUP , PLLC. The letter stated they were collecting on a judgement from XX/XX/2004. First off this alleged debt is 16 years old which is way outside the statue of limitations in ANY OF THE 50 STATES WHICH IS VIOLATION NUMBER ONE. I HAVE NOT SIGNED ANY DOCUMENTS OR DONE ANY BUSINESS WITH JACOB LAW GROUP. IAM ALSO SEEKING LEGAL ACTION AGAINST THEM FOR ATTEMPTING TO COLLECT ON AN OUT OF DATE ZOMBIE DEBT. I WILL ALSO BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OF ALABAMA, TENNESSEE, AND ARKANSAS. A FORMAL COMPLAINT WITH ALSO BE FILED WITH THE FBI FOR FINANCIAL CRIMES ALSO. IAM ALSO FILING A FORMAL COMPLAINT WITH WITH EACH STATES BAR ASSOCIATION FOR MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Td BANK in XXXX NY XXXX XXXX i opened my td account online on XX/XX/XXXX i seen there was {$3600.00} AND A check deposit for {$15.00} taken out of my checking account but the money was taken from my savings we knew we did do this. 
went down to my td bank branch and we were told that some one in new jersey went toi a td bank had my social security number and got the money at that time i we closed the old checking account opened a new one with a password in case that person  tried again we also put the savings account on freeze than i made a report with XXXX police dept waited than in the mail that i will attach came the check that was cashed ith y name in print and a social security on the back the front of the says UN LOCATE ACCT but in the left hand side of the check has a company i worked for aprox 17 tears but they went out of business in XXXX i left in XXXX and the address that was on that check was a golf course i brought this all down to my td branch about 4 weeks ago they said they did not have it made them copies i asked them that i want to see the video of the bank and the teller and the person getting y money they informed me this will take about 3 to 5 months i do not know why the police dept wants the video as of today no other updates has been given to me can you help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The site has not taking money at this point but the site is not the real chase. It will however asking for information and poses as the real chase.com. I now am canceling my card due to breached information. The number is XXXX pretending to be chase. https : //www.chase.com/personal/credit-cards/dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Bank of America refused to debit my XXXX XXXX Bank Account and then charged me a late fee. I paid the late fee and despite numerous calls, Bank of America will not debit my XXXX XXXX account.

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 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One supports XXXX by refusing refund {$780.00} for services that were never rendered and were cancelled in accordance with COVID-19 Government Regulations. I paid with Capital One credit card to 3rd party broker XXXX  for XXXX XXXX reservation in XXXX FL, for 1 night XXXX for {$780.00}. Night before the reservation, on XX/XX/XXXX, city was closed by Mayor orders due to Covid-19. I promptly called XXXX and contacted their customer support chat informing of cancellation. Customer support assured me they will resolve matter within 21 business days. After 21 business days no refund was issued. I called Capital One and requested chargeback. Two months later to my surprise, Capital One reversed charge back ruling in their favor. I was shocked, called Capital One back, Capital one said they need proof that XXXX never charged me for reservation. I obtained proof from hotel directly in the email confirming reservation was cancelled and never charged. Called back Capital One to show them that evidence they requested was obtained. Capital One now said that I am still not entitled, even though I provided support that they initially promised would support the basis for favorable despite resolution. Confused, incompetent work on Capital One side. Services were never rendered, reservation was never charged by hotel, crooks from XXXX perpetrated fraud and Capital One defended in XXXX 's favor. Was shocked to learn that Capital One can support fraudulent organizations. Additional support and communication provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX is being reported and it has an XXXX balance. This account need to be removed and updated.

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 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Bank of America branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Bank of America ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Navy Federal Credit Union suspended my account from receiving debit cards today, XX/XX/2021. I would see a reason if my claims were illegitimate, but not giving me a card all of a sudden is illegal and unfair without warning or providing some documentation as to what I did wrong. I requested an executive escalation to force you to provide a reason as to why they decided to discriminate against me, today, XX/XX/2021. This is just plain unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CITIBANK, N.A.
State: CA
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 used my XXXX XXXX Citi Credit Card to purchase airline tickets on XX/XX/XXXX for {$570.00}. This was also my full balance the XX/XX/2020 Stmt. XXXX XXXX cancelled the flight and refunded the {$570.00} for cancelled flights and refunded the {$570.00} to my card on XX/XX/XXXX. The payment for that period was not due until XX/XX/XXXX. This caused my stmt balance to be XXXX  and my Citi app said XXXX payment due. Then once my XXXX billing cycle closed my account all of a sudden said 6 days late and {$29.00} late fee. The App said XXXX due and the stmt balance was 100 % credited back for the only items charged. I messaged Citi thru app to discuss. They then started a discussion then went dark on me. So I then called customer service and spoke to a few different people when transferred numerous times. I finally was having a discussion with someone that said they should be able to credit back the fee but system wouldn't let them. They also said no supervisor was around to help me. So today I tried one last time and discussed issue with online rep. XXXX was rep name and she tried to also credit the late fee back due to the reason. She also said she couldn't do it since the system would not let her and she cant override.

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 2016-09-27
Company: Apex Resolution Group LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company calls my family members and threatens a lawsuit. They have threatened to call the IRS. They have threatened to have my bank accounts closed. They continue to call my parents and my siblings and provide personal information. 

Continually calling my mobile phone without permission.

Company response to consumer: Closed with explanation