BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my mortgage with JPMorgan -- and ever since I obtained a rate lock in of 2.75 -- they have used every delay tactic so that my rate guarantee will expire. They claim they don't get communication via their chat site -- they don't read their emails -- they are now requesting their 6th set of paystubs -- and this is after verifying my employment with my firm less than 4 days ago. 

They have asked for a written explanation why my wife changed her name 14 years ago ( marriage ) They have asked me for proof that I didn't own a property that I rented almost 17 years ago ( how do you prove that you DONT own something?? ) Oh, and I've had my mortgage with JPMorgan for 10 years - my income has doubled in this period, paid the mortgage down by $ XXXX, and regularly make extra payments -- never a late payment in 10 years. 

My issue is that JPM is continually lied that they had everything, their people NEVER get back to you, and then now they are warning that the rate guarantee will likely expire -- and that I will need to get a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Residential Credit Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
First, the servicer, RCS, filed a foreclosure action when they had no cause. They claimed I had not made all payments on time, but at trial, I was able to show this was not true. Second, they then claimed that I had not provided all loan modification documents in a timely way. This was a last minute claim, and the plaintiff produced documents at trial that they had not provided during discovery. Their own records, which they hid from me until rebuttal, show that I had not only provided all documents, but that they had used fabricated, outrageous and irrelevant reasons to turn down each of my loan modification requests. They knew this, and mislead the court into believing I had not met the terms of the loan mod. They lied in court. Third, during the actual loan modification process, they ignored modification requests they received as late as XX/XX/XXXX. Finally, their own records show that ( a ) I was current when I asked for a loan modification, ( b ) they dragged their feet on the loan modification for two years, until the arrearages totaled approximatly the Net Present Value of foreclosing on the property. I contend that they never had an intention of entertaining a loan modification. They offered the loan modification only to put me in a position where ( they thought ) I would have no choice but to vacate the property and let them sell it out from under me. Now, when they filed with the court for a sale date, I answered with a motion to review the case showing the plaintiff had lied in court ( please see attached documents ). The Plaintiff 's reply was to sell the loan to another servicer and walk away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: MI
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 needed to pay. 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 anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}

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 2015-09-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I was interested in obtaining a debt consolidation/personal loan to pay off higher interest rate credit cards. I shopped around, reviewing rates at various banks. Wells Fargo ( on their website www.wellsfargo.com ) has a payment calculator for each state, with their rates, so this is what the interest rate reflected was : XXXX for 36 months ( FL ). It does not state an APR range at all, but a fixed APR as XXXX for XXXX months, for the amount I was requesting. 


https : //www.wellsfargo.comXXXXRate and Payment Calculator ResultsThe following are results for Unsecured Personal Loan in Florida. Included are XXXX additional results that show your APR and monthly payment if you select a different term. 

Amount Term APRXXXX Monthly Payment {$6500.00} XXXX months 8.231 % {$560.00} {$6500.00} 24 months 8.247 % {$290.00} {$6500.00} 36 months 8.248 % $ XXXXXXXXReady to apply for a Wells Fargo personal line or loan? Apply NowVisit a store or callXXXXXXXX. 

This is completely deceptive ( UDAAP issue ) since then when I applied that same day, at the Wells Fargo branch in XXXX XXXX, FL ( XXXX XXXX ) I was approved at 12 %! I have stable income and my FICO SCORE is not only Excellent, but the highest range. 

Therefore, Wells Fargo is apparently deceiving their customers by stating the rate is 8.248 percent and then doing a bait and switch and saying the person is approved at 12 % ( with Excellent credit! ). 

I refused the loan, since I can get a 12 % loan anywhere and the whole purpose of the loan was to lower interest rate but wanted to let the CFPB know of this unfair and deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account online with BOTW based on a promotion they had : {$150.00} incentive. The process seemed easy enough, with the exception that their system would not capture the " XXXX '' for my address. So, I went ahead and added " half '' to the second part of the address. Everything was fine. I received notification that I should receive my account information within the next few days. I called to get my account information to setup my direct deposit, but was not able to get it over the phone and was directed to visit my local branch. I went to the branch and requested my account information. To my surprise, the teller retrieved my information and gave me my full checking account and debit card number without requesting any sort of identification, just me providing my SSN verbally. I tried setting up my online banking and got an alert that they needed to verify my information for security reasons. I do n't understand, I was able to walk in and get my information without issue and without showing any validation that it was me asking for it, yet I was not able to set up my online banking? I called and expressed my concern and the representative was not very helpful, so I asked to speak with a supervisor. The supervisor seemed to not even care that there was a flaw and simply stated, " allow 48 hours for your XXXX to be setup. '' The following days I got an email saying they could not set up my online banking for security reasons and to call in. I called and the rep said it was because my address was missing the " XXXX '' and fixed it. I told her I have yet to receive any information for my account nor my debit card. She assured me it was mailed to me and I would receive it within the next few days. Wednesday ( XXXX ) I called and inquired on my card, it had been more than a week - mail no longer takes that long. The representative seemed confused from the getgo. I asked her to please confirm where it was sent to and read my address verbatim. Out of curiosity, I asked my neighbor if she had received my mail - to my surprise she had my debit card and pin mailer. Someone other than me received my mail because of your error. Imagine this person was not honest? I would have been out {$100.00} because of your error. Not only did your bank fail to safeguard my funds and act accordingly, but delayed access to my funds. This is ridiculous! I 'm a new customer and already experienced poor customer service, misinformation being provided, and possible breach of my account/personal information.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got identity theft long time ago, I reported to the XXXX  back XXXX. I get a IP Number in the mail to do my taxes every year. Every time I do my background check done, the report shows addresses that I never lived .. I only lived in XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX all XXXX XXXX address only ... my birthday is XX/XX/1994 so if you do the math, I couldnt work at that age where those false addresses show up on my report. My number is 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 2020-08-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have wrote several letter to XXXX XXXX and called several time to XXXX XXXX to speak with the proper department or a manager to resolve an issue in regards to my current lease and reporting on my credit bureau.I would like to be able to speak and get in contact with the management team to discuss my account and credit reporting.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
USAA has decided to do away with their MasterCards, which is their prerogative, but what they have done is taken the liberty to issue Visa credit cards to all of its MasterCard customers without their authorization. I now have a Visa card from USAA on my credit report that I never wanted or authorized. If this were a store card, such as a XXXX XXXX card, being created without my authorization, nobody would question that it would be considered fraud. How is this any different? 

The email I received last week was the first I knew of the change coming. The email said the MasterCard would remain open until XXXX XXXX. However, they have already performed a balance transfer from the MasterCard to the new unauthorized unwanted Visa card. I logged in over the weekend to pay off my MasterCard balance in full as I do every month, but all but {$24.00} had been moved to the unauthorized Visa card. Transferring money more than a month in advance of the MasterCard being closed without my authorization appears to be more fraudulent actions on USAA 's part. I called USAA and asked that the transfer balance be transfered back to my MasterCard and I would pay off the balance in full, but they said they could n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
US BANK LISTED ACCOUNT DIFFERENTLY WITH XXXX/XXXX. 
XXXX  IS NOT REPORTING CORRECT BALANCE AND LETTER REQUESTING THE STATEMENT TO SHOW THE BALANCE OF WHAT I OWE. I PAID AND SENT A PAYMENT FOR {$200.00} HOWEVER IT DOES NOT REFLECT THE BALANCE. US BANK TRANSFERRED THIS ACCOUNT TO ANOTHER AGENCY AND WILL NOT UPDATE THE 3RD PARTY AGENCY WITH THE CREDIT BUREAUS. THE FURNISHERS LETTER EXPLAINS IN DETAIL TO PROVIDE ME A STATEMENT OF THE AMOUNT/BALANCE I ALLEGEDLY OWE FOR {$4000.00}. I KNOW I DO NOT OWE THAT AMOUNT IF I HAVE SENT PAYMENTS. 



Account number XXXX Account status Closed Date opened XX/XX/2018 2018

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 2020-08-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from XXXX XXXX Senior Vice President Loan Organization dated XXXX XX/XX/XXXX asking if I would refinance my current VA loan with Lakeview. I called numerous times and never got through. Was on hold for hours. Finally got Through today XXXX XX/XX/XXXX XXXX. Told one gentleman, not XXXX XXXX, what was going on he said the letter was the best interest rate they would do no better and hung up on me. So dismayed about the hang up I called back. I got to talk to another gentleman, explained the situation and I told him because the first guy hung up on me I called another loan company. He got very irritated with me like I wasnt supposed to do that. He kept asking me if I had a loan estimate from the other places I called. I said yes and he got very rude with me. I told him he needed to be nicer and that I have told him three times I had another loan estimate lower than they were offering. Could their company match it or beat it. This guy said no and hung up on me as well! Ive been with this loan company after the initial borrower sold my loan to Lakeview XXXX because the state of Texas said this was who we had to use because it was the only VA loan company we could use. My experience with this company hasnt been as good as some of these reviews. But over the last two years, I have had to deal with this company charging me for property taxes when I was tax exempt as a 100 % XXXX veteran and had to submit my tax free exemption letter from our county twice. We also were having to pay higher mortgage once we finally got the taxes worked out for our house insurance which was lower than what the XXXX insurance was charged. XXXX said they were tired of trying to work out the details so they credited me almost {$400.00} last year. Also today I tracked XXXX XXXX down and his secretary said she emailed him and that he would return my call by the end of the day. Its XXXX XXXX time and no phone call. Lakeview obviously doesnt care about their current home owners! Most humbly I would think a over $ XXXX house would get better treatment since the interest on our home with this company is over {$1700.00} a month but guess I was wrong!!! If anyone would like to talk to me about me experiences with this company and as a 100 % XXXX veteran from XXXX and XXXX my number is XXXX. Dont hesitate to call!!!

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
i was denied a hamp because the unpaid balance is over the hamp limit, I am only {$14000.00} over the limit of the hamp & also requested to pay this amount towards the principal to allow me to get reviewed thru the HAMP but they did not respond to my request. also they stated that they are unable to reach an affordable mortgage payment based on my income. my gross income is XXXX and that me or the co-borrower have reached the allowable number of modifications. I am at a point that I can afford my current mortgage payment, but I can not afford to pay back what I owe in the past which is over 200 thousand dollars, I want to save my home and I am trying every avenue to do so, however they seem that they are not willing to help me, instead they prefer to go thru the foreclosure process which it will cost them more money to them. I want to stay in my home and I am trying every avenue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX  XXXX  for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXX XXXX  XXXX  for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California 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 2020-08-11
Company: Bread Financial Holdings, Inc.
State: TX
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:
i did not apply for commenity XXXX XXXX ... i talk to them and they sent me an letter that they remove it buy failed to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: OH
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:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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