BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
The Financial Privacy Act of 1978 list various protections that afford consumers protections from having their financial data exploited without their knowledge and/or consent. From my consumer perspective and not that of a professional interpret the language in 12 US Code 3403 subsection ( a ) that a financial institution, or " Chase Bank, '' may not release records without the consumers consent or acknowledgement ( Ref XXXX ). According to credible journalism sources and publications like " XXXX XXXX '' the use of XXXX XXXX XXXX be an opportunity ( XXXX ) of exploit for unknown person ( s ) including an opportunity for Government intrusion which again causes some pause. Although emerging technologies are important to encourage commerce, providing levels of protection to the consumer as well as notification is also vital as these new emerging technologies encounter the marketplace. I believe in this situation Chase has an obligation to notify it 's members of any breach of privacy using this technology, state the intended use of this technology to it 's consumers, place public and transparent notices of how it intends to store this data, and if it has the intention of using this new technology as a means to share information without third parties. It 's my belief that consumers should have the right to opt out from new data collection practices if they do not wish to be beta testers for your emerging technologies. 

I am formally requesting that Chase provide the scope of intended use of the RFID chip in their cards, provide all documents stating if they provided public notice to consumers, as well as state their intent on any new notification practices to consumers as a result of these emerging technologies in the event of an exploit, as well if the bank is in the process, has, or has no attempt to deploy consumer protection technologies to block the RFID technology from being exploited when not in use like RFID shield credit card envelopes ( XXXX ). Currently, the credit card envelope distributed by the bank do not contain the shielding material that would allow an added level of protection from exploit. 

Thank you for taking my concern and I look forward to the response. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mother XXXX XXXX passed away. I am the daughter and am trying to do the right thing and getting things situated as best as I can. Chase is well aware of the passing of my mother, and well at the time mother passed I had no idea all that came with that. I was not aware I needed to go through probate, which I am doing so now. However as you may already know probate does cost money, and had to gather the funds for an Attorney. Currently I am in the middle of Probate with the last court hearing of XXXX XXXX, 2016. Chase is well aware of this hearing as I have provided notice, and have stressed to the representatives I need them to notate probate last court hearing on XXXX XXXX, 2016. I did stress to representative I am not being provided with information about the account, I am not asking anything about the account and instead are providing them with information about the account. I am simply asking for help with the postponement of my sale date of XXXX XXXX, 2016 to allow the probate matter to finalize and finally be able to speak with Chase mortgage and Chase mortgage to finally be able to accept my payments. See Chase would not accept my payments because I am not the borrower, which is why I am not facing foreclosure. Please help me all we need is time, time to allow the probate to finalize, which again will allow Chase to accept payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax is reporting a charge off for XXXX XXXX XXXX That same reporting that is listing the account as a charge off also shows a balance of XXXX. The account itself was not mine to begin with. But there is clearly a flaw in their investigation when the account shows both charge off and an amount of XXXX. If there is no money owed on this account, it should not be listed as a charge off. You cant have a charge off for a XXXX dollar amount. Every time its updated theres a different remark with another item that is incorrect. As a matter fact, the trade line is now showing a charge off for the month of XX/XX/2023. When prior to this this account was many years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX, 2016 I received an email from Citizens Bank, XXXX, CT instructing me to activate my credit card. I immediately called the bank and wrote them to complain about the email since I was not a customer of the bank. I spoke with XXXX XXXX 
XXXX at Citizens Bank, XXXX XXXX XXXX XXXX, XXXX XXXX. I wrote her on XXXX XXXX asking who my socalled card was mailed to. 

I got no response to my letter. On XXXX XXXX, 2016 I received another email Instructing me to activate my credit card. 
I request that your agency investigate this bank to insure that this in not another scam similar to XXXX XXXX and to have this bank remove me from its marketing list. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
1 ) At the XXXX time home buyer class, I was told that the One-mortgage ( Also known as the XXXX loan ) is the program that helps people who can not buy home due to the down payment burden. 
2 ) During the home loan application process with Citizens bank, several times, I was advised that my wife would need to consolidate her education loan with Citizens bank. On XXXX, I found that my wife could get education loan ( income based ) refinance ( payment adjustment ) through the department of education and she applied it instantly. Frankly, In my mind, this words came up to me, " Why they ( Citizens bank ) did not reveal that my wife could adjust the federal education loan payment through the department of education? '' This must be clarified and there must not be any person who loses the chance to lower the monthly payment through the department of education before getting student loan refinance from Citizens bank. 
3 ) When it comes to the maximum amount for the home mortgage ( XXXX mortgage ) at Citizens bank, I was told many different maximum amount that I can borrow. At the last conversation ( last week ) over E-mail with Citizens bank, it was around {$200000.00} ( without downpay ) with my own credit application ( not including my wife ). After I mentioned that my wife applied for the refinance of her student loan from the department of education, the mortgage officer ( NMLS # XXXX ) kept changing my income standard and finally I was not able to have any tangible pre-approval certificate as of now ( XXXX ). The supervisor ( NMLS # XXXX ) introduced by the mortgage officer keep replying " Thank you '' over the E-mail without any responsible reaction. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Maximus Education, LLC dba Aidvantage
State: MI
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:
The following individuals at XXXX XXXX XXXX ( Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada ) have fraudulently represented themselves as a government agency and solicited my sensitive information indirectly by gaining access to the FSA ID website and has done so to numerous other unaware consumers. They specifically claim that they either work for " Aidvantage '', the " FAFSA Student Loan Department '', or the " Department of Education Student Loan Office ''. Consumers on multiple websites, such as the XXXX  have reported that they " XXXX '' has consolidated their loans without permission and collected social security numbers for malicious intent or dispersion for illegal use. 

The " agents '' are : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX or XXXX ), and XXXX XXXX ( phone number unknown ). They also have a female secretary who will hold / transfer calls for them. 

Please take care of these criminals so they can not prey on the public or borrowers who are trying to make an honest living while repaying their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX I spent over 2 hrs with Wells Fargo payoff and then transferred to Preservation unit regarding the {$92000.00} Permanent Forgiveness on my Deferred Principal after three ( 3 ) years of Good Standing per my Modification Agreement effective XX/XX/XXXX. As usual no one has a clue. See attached modified agreement. I 've contacted Wells Fargo many times over these past 4 years for other concerns to never get an answer. My other concerns were the continued Negative Amortization on my loan until agreement above, see enclosed XXXX/XXXX/XXXX statement ( Wachovia ) with monthly deferred interest still being applied. The National Mortgage & State of CA settlement in XX/XX/XXXX against Wachovia 's Pick A payment Option were too reverse these Neg. Amortization, from principal immediately and offer a modified agreement with new interest & principal with automatic XXXX award to all class member B which I was at that time. 
My other concerns Wells Fargo payoff could n't explain back in XXXX is the {$200000.00} deduction on XXXX Cancellation of Debt reported to IRS. Where this {$200000.00} was applied? Modified Agreement total with ( XXXX ) principals was {$390000.00}. 
The Neg. Amortization. was applied to my mortgage balance from XX/XX/XXXX through XX/XX/XXXX monthly, but not reflected in the {$390000.00} Modification agreement from a transfer balance of {$490000.00} ( OLD ).

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 2017-02-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Sent the below to Senior Executives of Wells Fargo Bank, and this is a cc to you, CFPB. Thank you for helping us. 

We will continue our efforts to connect with Wells Fargo 's senior management to communicate the following : 1. We 've been trying to have Wells Fargo review the foreclosure/modification of our loans for many years, to no avail. 
Multiple QWR 's have been ignored. We 're still waiting for complete copies of our loan documents for both loans that we are legally entitled to ; most importantly, copies of the governing documents for XXXX ( i.e. XXXX XXXX XXXX by-laws, article, budget, minutes of homeowners meeting, etc., etc. ) which a group of XXXX loan agents had approved and the XXXX loans that were underwritten by XXXX XXXX. 
2. Investigation and review of such egregious violations may lead to identifying individuals that are breaking the laws for their personal gain, in particular, through their relationship with XXXX. 
We look forward to hearing from someone in senior management and/or someone from Wells ' Legal department.

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 2017-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I submit a complaint [ XXXX number : XXXX ] about Wells Fargo Unfair banking practices that included no notification regarding issues about banking practices after being a XXXX year customer. I received a response thru your bureau on Tue, XX/XX/XXXX. They admitted their was a misunderstanding that old practices have changed regarding accepting checks made out to " Pay to the order of '' made out on back of Government checks. I was never notified until they closed my account, took my money, was blacklisted for every bank in my area and I received threatening phone calls from XXXX of their representatives. Now it 's XX/XX/XXXX, I get a bill in the form of a XX/XX/XXXX XXXX for the suppose debt related to this misunderstanding, whereby, I never received any money but I did lose money. This claim is incorrect since I did not received any income related to this discharge of debt related to their error. They may have but I did not. I hope your bureau can make Wells Fargo understand that if early notification related to these transactions had been made, I could have corrected the behavior & requested a personal check rather than on the back. I guess as punishment for their mistake, I must pay more in taxes for something I did not get appears fair to Wells Fargo.

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 2015-04-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Navy Federal Credit Union primarily owed me {$3700.00} and I submitted a complaint against the organization due to the fact that this amount was related to fraudulent charge made on my account. Navy Federal Credit Union attempted to resolve the issue by only issuing a refund amount of {$2100.00} from the {$3700.00} which was {$1600.00} lesser than the total amount owed to me. The total amount taken from my bank account was {$3700.00} and 15 % interest rate was being charged to me for the past three years since Navy Federal Credit Union denied any responsibility of the matter. I will not be satisfied until NFCU returns the rest of the money owed to me that amounts to : {$1600.00} plus the interest back to me. I totally understand a portion of {$2100.00} was deposited to my checking account, but it is not enough. Many other veterans and federal employees have voice their concerns about Navy Federal Credit Union greedy agenda which is manifested by putting their interest above the people they represent. I give you a break down of the money that was supposed to be given which Navy Federal Credit Union did n't give. I would like to pursue the effort to regain the rest of the money back from this organization and I will stop until it 's done. 
{$2100.00} + {$1600.00} = {$3700.00} + 15 % interest charged for the past three years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a car from XXXX XX/XX/2022 I have not missed I received notification from west lake portfolio that I still owe my beginning balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I hired XXXX over the phone, I waited til Tuesday because that was XXXX day they said I can get an am delivery. ... they called me at XXXX and told me dumpster would be there soon and got me to sign contract over the phone ... .. I called at XXXX XXXX and I was told dumpster would not be there untill XXXX XXXX ... .. I had to hire different dumpster company. ... XXXX is charging XXXX dollars for cancelation fee ... .. XXXX different people lied to me knowing the truck was n't coming to get me to sign contract ... ... I just needed a XXXX, I had XXXX men I was paying that were just waiting .... when I told XXXX at XXXX XXXX I was gon na cancel there XXXX dollar fee on my credit card he laughed at me. .... I was scammed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Whom it May Concern, I was charged {$12.00} for insufficient funds on a check that I tried to deposit to my account. Prior to writing the check, the checkwriter checked her account to make sure she had sufficient funds. After depositing the check, I received the notice that I was being charged. 

I tried to call Customer Service to ask why it is Wells Fargo 's policy to charge its customers for something which is not within their control. A company which claims to " proactively protect our customers ' financial security through a risk focused culture '' should not impose fees upon its patrons which they have no control over. This alienates those risk-averse people who do everything they can to be prudent in their financial decisions and do their due diligence because it imposes upon them a risk they can not obviate. 
I have been a Wells Fargo Customer for a decade. I hold checking and savings account. I have a safety deposit box. I have a credit card. And as a student in professional school, I planned to patronize the bank for years to come. My experience with the Customer Service phone team has made me question these plans. 

Upset over this fee, I called Customer Service to request a refund. I asked my customer service representative how any customer could avoid these fees in the future. She had no answer for me. I asked her if that means I should just avoid using Wells Fargo financial services in the future, and she essentially agreed that this was the only way for me to minimize my risk. 
A business that claims protect its customers ' financial security while imposing undue fees on them ( that a prudent customer could not possibly control ) is not conducive to customer retention or satisfaction. How could I possibly feel that my money is secure if I can not protect myself from arbitrary fees? 

The worst part of the entire experience is that the supervisor who I spoke to pretended that she did not hear me and hung up as I was trying to explain the situation. Luckily, I recorded the whole ordeal. 

What I would like to know is exactly how Wells Fargo would advise me to avoid such charges in the future? Is there some magical database I can access to ensure that a check that I receive will have sufficient funds in the future? Or should I stop using Wells Fargo services in general? 
Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, ph # XXXX, email : XXXX, has continued to garnish my wages after the debt has been paid in full, and in spite of I making several attempts to contact and resolve this, they have simply ignored my demands and as of now, in consequence I have overpaid over {$1200.00}, in addition to the full debt, which was fully paid. My employer cant legally stop the wage garnishment unless they receive notice from them, and they keep failing to do so. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Continental Finance Company, LLC
State: GA
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:
On XX/XX/28 I made a XXXX payment twords my credit card bill that has a XXXX credit limit. The next day the card company suspended my account. They stated it was bc my bank sent back a payment, which I wasn't aware of bc it was taken out. They then asked for my bank statement to show proof that it's my bank account and they would reestablish the account. They refused and now asked for a letter from the bank asking why the payment was returned. This was something my bank stated they do provide. I had no notification of the account was going to be suspended they only did this after receiving my payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Block, Inc.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
My card was charged for XXXX $ on XX/XX/2023 in XXXX Michigan while I was in Ohio which is shown below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.

Company response to consumer: Closed with explanation