BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
well, on the XX/XX/2021, between the hours of XXXX. - XXXX, a total of {$400.00} was taken off of my card, and now, i found out that i had to call my Bank, the Chase Bank XXXX and they aid that they will look into it, investigate it, and then i will get a credit of my {$400.00} back to my Account, and now they got my Banking Account in the negative, - {$170.00}, and I need to be back in the positive, {$260.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have student loans with Navient. I am a XXXX, so obviously I do n't make much money. I tried to go on the website and lower my payments ( I have never missed a single one in 10 years ). The information to repay based on income was so convoluted and it appeared like any option to refinance would result in sever penalties later. I then tried to fill out paperwork to defer my loan for one year for some relief and the link for the downloadable pdf I needed never worked ( I tried several times over a couple of weeks ). I did n't bother calling them because I have heard such horror stories about dealing with Navient customer service over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Upstart Holdings, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I sent a validation letter to Upstart Network INC disputing the information on my credit bureaus reports. They responded within the 30 day time frame, but did not respond with the requested validation documents. They also did not report to the credit bureaus that the items were being disputed. On XX/XX/XXXX, I sent another letter to inform Upstart Network INC that they hadn't marked the item as " disputed '' on my credit reports, a clear violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ). Attached is a copy of all three credit reports that show as of XX/XX/XXXX Upstart Network INC has failed to place a notice of dispute on my account within the required 30-day period. The first letter of dispute was sent on XX/XX/XXXX. Therefore, the item should've been marked as disputed '' 30 days from when they received it, which was on XX/XX/XXXX according to USPS tracking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I having problems with BOA with my mortgage an a loan equity. After they had converted the mortgage with the loan equity loan. They still charging me for the equity loan

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 2021-01-13
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
2 of my cars were totaled within 3 years apart, and the insurance company paid out Lexus/Toyota Financial in full yet somehow Toyota decided to charge me deductible. They did not tell me, warn me, nor contact me to make these payments. For years i believed that this was not my fault and was told the insurance company will handle it. After years of being frustrated, i decided to pay the balances ( see screenshots ) just to get rid of it. Toyota financial assured me they would delete the derogatory standing on my credit report as it was not my fault AND i paid it. They have not done so. It has almost been a full year. This company is disgusting and i refused to get a 4th car with them after being so loyal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Concerning Case Numbers : XXXX, XXXX, and XXXX I feel we are now on the same page. Why is it that Wells Fargo can take payment amounts given to me over the phone to catch my account up - when the funds paid are applied not to my account but elsewhere? XXXX XXXX gave me amounts to pay to catch my XXXX payment and shortages. I sent payments directly to her yet they were applied elsewhere - why is this happening. I have made payments each month yet now it looks like my account is 3 or 4 months delinquent. Wells Fargo has acknowledged they received payments - it is just where they applied them after talking to XXXX XXXX. 
Something is not correct when a customer sends payments to be applied correctly and they are not applied correctly. I want my account corrected soon.

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 2016-09-06
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was a guarantor on my daughters XXXX XXXX account. It was a subsidiary account of mine. My daughter took over financial responsibility for the account in XX/XX/2016. For whatever reason, she did not pay the past bill before the account was switched over to her under a new account. 
I was NEVER informed by XXXX that a payment was missed and a balance was due. There explanation is that we had the bills set up to go to her. She paid them for years. The issue is that they never notified me before turning over to collections ... even though they have my contact info and my phone number. Even the the collection agency called me ... and I paid it immediately. But XXXX has the 'sent to collections ' on my credit report and wo n't take it off. I believe the should have notified me, as the guarantor, before sending to collections. I want them to remove the 'sent to collections ' from my credit report. Which they could do, but wo n't. Their procedures are flawed and I should not have a bad credit report because of their procedures. I desire the right to be contacted before a bill is sent to collections. 
Please ask them to remove the collections information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Basic lee I had navy federal credit union freeze up all of my accounts and restricted every thing and said it was a permanent security restriction due to some one hacking into them on line a XXXX XXXX XXXX and the credit unions security department has been really nasty and every thing else and they are being rally rude and nastey to me and refuse to help me and told me to submit a security appeal form then I am getting the run around from the credit unions Security department. I had tried calling them multiple times with no luck. Basic lee I fell because I am a victrum of identity theft the credit union is taking every thing out on me and they should not be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
For the past couple of months, Bank of America has been double charging me. They also change the screen charging overdraft of already charged items. On about XXXX/XXXX/2016 I called in and ask them why they double charge me for checks returned, when the day before, that was not the case. The clerk from XXXX XXXX fixed it and sent me a customer satisfaction survey. Before I could send the survey in, they triple charged me and changed the screen again. I called again and ask why. I spoke with this rude clerk who try to justify why the changed the screen every chance they get to charge and double charge you for everything. She wanted to argue the why the action was put in place and why they change the screen. I told her, did not agree with her and was not going to argue with her, and told her good-bye. I have copied the statements befor this one and do n't have a scanner. However, I am able to fax additonal information important to this 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 monetary relief
Consumer complaint received 2016-10-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo entered a contract with my husband and I to refinance our current mortgage with Wells Fargo ( WF ). We had a cash-out mortgage two years ago and have since paid off half the mortgage ; we wished to refinance the balance with XXXX arm at 3 %. We locked into this agreement with WF on XXXX XXXX with the intent to close early XXXX. After repeated phone calls and emails to XXXX XXXX at WF regarding closing dates with no response I contacted his boss, XXXX XXXX. The next day I received a call XXXX XXXX from XXXX saying the could not do the loan because only a fixed term loan is possibly with a cash-out mortgage. XXXX cited Texas law as the reason why : Section 50 ( a ) ( 6 ) specifically via email. Please note, we were supposed to have closed on this refinancing the week before AND WF credit had reviewed the title report two weeks prior but Wells did nothing. 

The problem is that is a lie and the arm product we had locked in our agreement is completely permissible to use. WF has an internal policy that they do not allow arm products with cash-out mortgages. However, since XXXX and his boss, XXXX, did not do their due diligence they entered into a contract with us and then three months later -when the market had shifted higher - said TX law prohibited it. XXXX later emailed back saying to disregard the first explanation and that it was an internal Wells Fargo policy. 

WF offered us a 30 yr fixed at 3.75 % then adjusted down to 3.65 % with no other concessions. The later admitted they made multiple mistakes and would offer us a XXXX credit on the closing amount. Over a seven year period, Wells Fargo will cost us a minimum of {$13000.00} for the difference between the two mortgage products.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Early Warning Services, LLC
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:
send informatyion to all : XXXX  XXXX  all information on the report, not mine XXXX  XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX  ( same )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Capio Partners, LLC
State: MS
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consume reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: WV
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 suspect a close friend or family member has stolen my identity. I've been working on my credit for 4 years faithfully. I've seen many disturbing things that do not belong to me. I've disputed many things with transunion and XXXX  they seem to agree with me and erased allot of the things on my report. I was a victim of identity theft in the worst way. XXXX worked with me professionally. We got my score to XXXX on XXXX XXXX and XXXX XXXX so you see when I logged into experian I was very bothered that they still have lots of information dated back to 1992 many of them which is hurting me and allot of very wrong information never fixed which is also hurting me. Like I said I was a victim of identity theft in the worst of way. If you look at my credit report with credit karma and credit sesame tells another story I've worked with them for 4 years even though XXXX  still has a little work to do. I just want experian to erase what doesn't belong their anymore and also dispute many things that are not mine cause my identity was stolen so I can move on and eventually buy a house and live a credit worthy life .I 've worked to hard for this to hit any road blocks I just joined experian identity theft monitoring XXXX dollars a month that's how serous I am. I just hoping that experian does the right thing and helps me. I reached out so many times to correct this credit report situation and I'm not getting anywhere please I need. I'm also on a fixed income in on social security XXXX for three years now. This is why I've been working so hard on this cause I don't want to live without credit. I suffer from XXXX XXXX XXXX I also suffer from XXXX XXXX XXXX, XXXX XXXX, XXXX. This is very important to me cause of all my illnesses that having a great credit and a clean credit report. Since I live on a fix income it's very important to have a good credit. That's why I've been working so hard these last few years. For my son my wife to have a better life and experian is holding me back. My number is XXXX if you can have them reach out to me that would be great I can't get nothing going thank you 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 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX lien of my primary residence with an Equity line of credit with Bank Of America that is more than my primary residence mortgage with XXXX. I have asked Bank of America to please help us do a XXXX lien modification on the Equity Line because we are retired and on a fixed income and they have denied us for ANY help with reducing the payment to something we can afford. We have been paying the interest every month Which is about {$220.00}, but they charge us that much in interest every month. The payments are over {$800.00} per month but we have only been paying the interest, we are not behind. We do n't qualify for HARP to refinance XXXX mortgages into XXXX because our XXXX Mortgage with XXXX was originated after XX/XX/XXXX. Bank of America claims there is nothing they can do an our only options are short sale, deed in lieu or Foreclosure but we have lived in our home since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XXXX to 9 calls a day form different phone numbers.I have had this account for over a year and never been late, and probably owe about XXXX dollars.They call and just start some conversation like they know you persnally, then proceed with this call will be monitored or recorded, not evening telling you who they are when asked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I depositid a cheque at a Wells Fargo branch, I was told then that they needed to verify the check before dispersing funds. A few days later i saw funds in my account. I had some debts im trying to clear so i clear it. A day later i tried to use my card to do business i was told my card was declined. I called the bank customer care and they told me that my card was declined because something was wrong with the check. I as why was i informed of this and i didnt get an answer. A few days later i was told that i needed to pay back the money that was taken from the account, I ask why was the cheque verified if there was a problem they told me that was my responsibility. So they told me there was a scam going on like that so it seems as if i was scammed. I asked then if you guys knew this why didnt you verify the cheque properly, based on the fact that it was a large sum on the cheque, i didnt have no moneyin the account and my account was only a month old. I was told that the fund shouldnt have been dispersed base don those stated reasons. I was told by a banker that he would look into the situation and get back to me. It has been 2 weeks and i havent heard from him. Recently recieved a call from collections that i need to make payments because my account was in over draft. Now i have been asking questions and no one answered and no clarification, I also know if the bank had did there job i wouldnt have been in this situation and they dont want to take no responsibility. All i have gotten from them was a disrespectful customer care agent, poor service and collections streesing me and i aint working. So i was told by a legal aid lawyer to report the situation to the commisioners of banck and that site directed me here so im making a compaint hope to hear from you soon

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