BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was fraudulently taken over on Saturday XX/XX/XXXX night. I spoke with a Chase representative from XXXX who indicated the transactions had been flagged and needed to confirm them with me. Upon confirming they were fraudulent, I was told I would need to go to a branch on Monday XX/XX/XXXX to provide identification and open new accounts. Monday morning arrives and I go to the branch to be told that my accounts are frozen and that they cant open any new accounts for me because Chase has banned us from being customers and they can not give me any funds because there are pending transactions and that a cashiers check will be sent in up to 10 business days. I called the customer service line on Thursday XX/XX/XXXX and Im told that they will be able to give me a portion of the funds but only in cash and to call back Friday morning so they can reach out to the branch to make sure they have enough cash. Friday morning arrives and I call the customer service line XXXX and arrange to pickup a portion of the funds at the XXXX XXXX branch and to speak with XXXX. XXXX was very nice and did everything he could. However, after almost 2 hours waiting in the branch they couldnt give me any funds again as they had canceled my debit card and the debit card was the only way to get the funds out the account. I have no access to any cash and am relying on credit cards. I am not able to pay my mortgage, car payment, utilities or quarterly tax payment because I can not access any of my funds. I have provided my photo ID, my passport, my Chase debit card and another credit card to provide identification. I have late fees on every one of my accounts and I am accruing interest on my credit card balance. I can not open up another checking account because I would need funds to do so. I spoken with Chase representatives 3 times on the phone and have been told to go into the Chase branch and they will either allow me to open new accounts or access a portion of my balances. I have been to 2 branches ( XXXX - XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. ) and spent a total of 3 hours in the branches and have been told both times that I can not access my funds and I am no longer a customer. I have no access to my online accounts, have not received any further phone calls from Chase, have no access to my debit card, have not received any physical communication ( letter in writing ) and received emails saying I have important information in my online inbox on Chase.com which I am blocked from seeing. It has been 5 business days and I have no access to my ~ $ XXXX in my 3 bank accounts ( 2 checking, 1 savings ) and no one can provide a firm date of when I will receive my funds. They canceled my accounts and did not provide my any notification of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Since XX/XX/XXXX, I am a client of WELLS FARGO BANKS and the account holder of XXXX accounts currently XXXX and XXXX., on XX/XX/XXXX, I received a call from the XXXX Department of Wells Fargo Banks , to inform me that a number of debit card transactions had been made -presumably in my name- in XXXX , NY , from XX/XX/XXXX through XX/XX/XXXX. This time the charges amount to the total sum of XXXX dollars with XXXX cents ( US {$9400.00} ). The person who called me identified herself as XXXX, her Wells Fargo Banks ID number is XXXX, and her contact phone number at the XXXX is XXXX. I informed her that I was in XXXX, XXXX, and that the debit card that the bank had sent me to my home address was still in my possession, is a new debit card and that IT HAD NEVER BEEN ACTIVATED BY ME. XXXX told me that they would proceed to block my accounts and to cancel the aforementioned debit card, and gave me the claim number for my case. XXXX informed me that, in at least a week, I would receive a call from the XXXX of Wells Fargo Banks to provide me with information about my case. She also indicated that I could call the number XXXX to check on the status of my case. I then wrote an email to XXXX, the XXXX at Wells Fargo Banks ' XXXX office who attended me on XX/XX/XXXX, to inform him of the serious situation that I am going through, and of the damage to my financial assets that I had suffered. XXXX replied that he was so sorry and embarrassed by all this, and that I could rest assured that the bank would refund my money, as he was reviewing my account while he was writing the reply email and, in his exact words, he said " IT IS OBVIOUSLY A CASE OF FRAUD. '' Having not received any call from the bank since I last spoke to XXXX, I called the aforementioned number on XX/XX/XXXX and told the operator that I needed to know about the status of the case of fraud to which I am being a victim. The operator transferred my call to XXXX in Wells Fargo Banks XXXX, who from now on would be the person assigned to my case. On XX/XX/XXXX, I received a called from XXXX to inform me that Wells Fargo Banks will not refund the money extracted from my accounts, claiming that " it is not possible that the debit card has been cloned ''. I immediately demanded to talk to a supervisor and they communicated me with XXXX, who committed herself to reviewing my case and promised to call me back soon to provide an answer, which to this date it has not happened. This is the second time someone has made unauthorized consumption with my debit card.In XX/XX/XXXX someone made purchases in several US cities for {$790.00}. In that moment, fortunately Wells Fargo Bank returned the money to my 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 explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX XXXX and at this time believe I qualify for Public Service Loan Forgiveness . I believe 120 qualifying payments have been made. I submitted my application for public service loan forgiveness in XXXX and waited 3 months for a response from XXXX XXXX. After waiting 3 months, I was told that my application did not qualify because I was not employed full time. I have been employed full time/40 hours at a not-for profit organization since XXXX. When I spoke with Fed loans, the customer service rep looked at my application and saw that I checked off full time but thought the " 40 hours/week '' looked possibly like " 10 hours '' due to the way it was scanned into their system. I was told the only way to resolve this was to re-submit an application and wait the additional 3+ months for processing. In my opinion it looks like " 40 hours '' not " 10 hours '' but nevertheless I have submitted another application. I would like for my application to be prioritized for review as it appears XXXX XXXXXXXX mis-read my original application. I do not think it is reasonable to make me wait another 3+ months for application to be reviewed and loan to be discharged as I have made all qualifying payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage was sold to Carrington Mortagage in XX/XX/2022. We had a 60 day window to make our mortgage payment with them and we were closing on our home on XX/XX/2022. The full mortgage balance was paid on XX/XX/2022 and Carrington is reporting on my credit report a 30 day late payment. The payment was not late and when I call Carrington they tell me it wasn't late but it's still reporting on my credit as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Loan # XXXXInvestor - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXXShort Sale was started XXXX/XXXX/2015. XXXX/XXXX/2015 the buyer was countered to $ XXXX. XXXX/XXXX/2015 we faxed an offer matching their counter offer. XXXX/XXXX/2015 We were told that the negotiator made a decision to decline the file last week. 

1. We spoke to Wells Fargo last week and no one bothered to tell us that the short sale was cancelled. 
2. Wells Fargo could not give a reason as to why the file was cancelled. 
3. The purchase price and fees on the HUD match the fees the negotiator told us would be approved. 

Why is Wells Fargo countering buyers, then cancelling when they get an offer that meets their countered price? 

It is obvious the negotiator is lazy or cancels files purpose to cover the fact she is too lazy to do her job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear CFPB, I am writing to you regarding 2 documents I received as as a result of a financial Institution ( HUNTINGTON BANK ) opening 2 types of banking products ( as I suspect ) regarding a customer non related to myself. 

I received 2 pieces of banking information ( I.E.- Bank statement, Checking account, Credit card info., etc. ) that was directed to a name UNRELATED to me, but with my full complete address. The name on these documents is SHOWN on the photos you see ( attached ) as XXXX XXXX. 
The reason I'm writing this is because I had set up a Bank account in XX/XX/XXXX from Huntington bank in XXXX, OH in which I was aware that I signed a privacy agreement that should protect my rights to have anyone steal my information ( Privacy law act ) that I do believe may have been violated. 
At the time I received these documents was done back in XX/XX/XXXX. The records should have been reviewed to show that someone has THE CORRECT information ( Personal information ) to process a financial product to be VALID ACCURATE information concerning address content to the applicant who filed it. 
I DO BELIEVE that the bank violated my data BECAUSE the person was in NO POSSIBLE connection to me either via their name, their location or their drivers license proving they ever existed at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ON XXXX/XXXX/2016 I RECEVIED A CALL FROM THE LADY WHOM I WAS WORKING WITH TO OBTAIN A LOAN FOR A HOUSE. SHE STATED THAT THERE WAS A JUDGMENT FROM XXXX XXXX BANK IN THE AMOUNT OF {$6900.00}. THIS WAS SHOWING ON MY EXPERIAN CREDIT REPORT ONLY. I DID FURTHER INVESTIAGTION AND THERE WAS A JUGMENT FROM XXXX XXXX BANK FILLED XXXX. UNDER XXXX XXXX AND XXXX XXXX. 
ON XXXX16-I FILLED A POLICE REPORT # XXXX AND A DISPUTE WITH EXPERIAN GAVE THEM XXXX COPIES OF ALL THE DOCUMENTION REQUESTED FOR THIS MATTER. I HAVE CALLED EXPERIAN MULTIPLE TIMES TO SEE IF THE DISPUTE HAS GOTTEN ANYWHERE AND ALL I HAVE GOTTEN IS THE RUN AROUND. I WAS GIVEN A NUMBER FOR A SUPERVISOR LAST CALL I MADE WAS XXXX/XXXX/16 TO A XXXX ( SUPERVISOR ) @ XXXX NO ANSWER BUT I DID LEAVE XXXX MESSAGES. I HAVE MAILED IN PAPERWORK TWICE THRU PRIORITY MAIL TO HELP! THIS ISSUE HAS IMPACTED MY ABILITY TO OBTAIN A HOME LOAN FOR MY FAMILY!

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 2016-09-23
Company: Monarch Recovery Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I continuously receive calls to my personal cell phone from Monarch Recovery, XXXX, regarding my ex-husband. They identify themselves as a recovery agency ( sometimes ) and ask for him by name. I have told them numerous, repeated times that this is not his phone, we do not have a legal or financial relationship, and I have variously provided his contact information and also asked them to stop calling. I receive a call from this number almost daily and sometimes during working hours XX/XX/2016, and at least weekly during XX/XX/XXXX. I have added them to my auto-block list on my cell phone to avoid the annoying and disruptive contacts. I found out that they are also calling my mom ( his ex-mother in law ), who has even less history with him. This firm obviously has my ex-husband 's current contact information, as I discussed the incident with him and he was aware of the firm and had been contacted by them as well. It should n't be OK to repeatedly contact disinterested third parties just for the sake of annoying them into pestering a person ( over whom they have no control ) into paying their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company increased my mortgage payment by approximately {$250.00} but could not justify the amount when questioned. When I calculated the increase from XXXX of my escrow it was a {$400.00} difference, which is approximately a {$34.00} difference per month. Bayview confirmed this over the phone yet still charged me {$250.00} more per month in escrow. Every time I called they refused to give me a supervisor or the name of a supervisor and continued to tell me that I could dispute the amount even though their documentation did not support their claim. I requested documentation and they did not fulfill that request. They stated that they had tax bills to support the amount but when I requested a copy of them they did not have them. You can not give someone a bill without supporting documentation. The disturbing piece is their customer service department supported their flimsy, weak statements and believed they were right. I am shopping for a new company. If your loan is sold here I strongly advise you to find a new servicer because they will take everything from you if you are not paying attention and they do not resolve issues, nor do they provide any form of customer service. Their only actions are to steal form unsuspecting customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Western Union Financial Services. Western Union claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Western Union and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Western Union States on the back of their check, Not good after XXXX year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX I spoke with a representative stating that she would reduce the past due charge of {$20.00} leaving a balance of {$18.00}. On the above date I forwarded a check # XXXX in the amount of {$18.00} and was assured the account would be closed. Today, I received a statement dated XX/XX/2022 showing a balance of {$44.00} with a past due amount of {$5.00} and total due of {$25.00}. Either this company is incompetent or they are trying to scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had many fraudulent charged in XXXX and XX/XX/2019. Imagine 55 per day for the same amount of {$96.00} and this went on for days. Their security department didn't pick it up. I reported this in XXXX but every month they continue to post these charges on my account. I have to call them every month to ask what my payment should be. 
On y last statement they charged me interest on the unpaid fraudulent charges. I started trying to call, Fist call on hold for 42 minutes, the disconnected. Startyed sending emails to the fraud department. No response for 6 days. Called agin and disconnected after a 58 minute hold! 
Finally after contacting the parent company I got to talk to a human being but? 
Incredibly horrible customer service. Unbelievable. No one is concerned. How do these people continue in business. 
Costco Citi 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 explanation
Consumer complaint received 2016-04-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cash Central has been calling my home at least four times a day for several months. They have called my in-laws, run my husband 's credit without his permission, and called my office several times. The dates and times are documented and available. 

They say a loan was taken out over the internet in my name. When asked for proof they sent me a legal document that had my name and address on it only ( obviously available on the internet ). They did not show a signature, location of where the loan was requested, location where the funds were provided to, social security number that was used, birthdate that was used, or mothers maiden name. 

They have requested personal information of that nature from me and stated they will begin their harassing calls again if we do not provide the information requested. 

I have never heard of their company ( nor want to again ) and have never applied for an internet loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is listed on my credit report as a collection account. They claim I owe money to XXXX XXXX. That is not true. I have not lived in XXXX XXXX for almost a year. When I did live there, I always paid my rent on time. I stayed through the term of my lease, and I gave several months notice that I was moving when my lease was up. They never refunded my security deposit, and I do not owe them any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Strategic Alliances, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a notice of a debt collection dated XX/XX/21. On XX/XX/21 I sent a letter acknowledging the debt with a check for {$51.00} for the first payment. I advised them that I would pay no less than {$25.00} per month which I have the records to prove that I have each month since. They continue to call me every few days and I have told them to stop calling me. I tried blocking the phone numbers from calling me but they have multiple lines, so the calls continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation