BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: U.S. BANCORP
State: ND
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/2016 I redeemed {$100.00} in rewards. My bank has a statement on the " Redeem Rewards '' screen that states " Redeem for {$100.00} or more and receive a {$25.00} Bonus Rewards Card to spend on yourself ''. There are no terms or conditions listed with this statement. When I did not received the bonus {$25.00}, I contacted my bank and asked why I had not received it. They stated that you can only receive the bonus once a lifetime. I believe this to be deceptive since that is not stated on the " Redeem Rewards '' screen.

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 2022-04-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraud charges on one of my accounts and was granted temporary credit from chase bank. They then reversed the charges of {$1000.00} that I didnt make and told me due to miscommunication between me and the bank that Im going to have to pay for the fraud charges because they cant prove it wasnt me when Ive sent and shown them evidence it couldnt have been me. I then closed my account but due to chase bank, Im not able to open an account at another bank because it shows on my consumer report that I owe them money when I shouldnt. Im now stuck with my money withdrawn and no where to go! Ive attached the photo of the day I was clocked in from XXXX to XXXX showing I was at work when the charges were made almost two hours away. I can go into deeper detail if you give me a call at ( XXXX ) XXXX and I can better explain the situation since its been a back and forth issue for the past month

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have many inaccurate addresses listed on my report. I only live at one address. Also I have multiple misspelling of my name on my report. I only should have one address and on name list on each report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 
accordance with the Fair Credit Reporting act. XXXX Account # XXXX has violated my rights. accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

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 2016-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Payoff process

Complaint:
I had a credit card account with Bank of America until XXXX 2015 when i called to close out my account. I specifically asked for a payoff quote on the phone and repeated out loud that I wanted the payoff amount that would zero out my account and that I did not want any more bills. I was in the process of moving out of the country for a few months and I wanted to make sure that I didnt have any outstanding debt. The representative gave me an amount. I paid that amount, and bank of america is still charging me for a remaining balance. I find the bank 's handling of my account to be deceptive as they led me to believe that the payment that I made would fully pay off my credit card. I do not believe I should have to pay. Further, if any negative information has been reported as part of this to be removed from my credit reports.

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 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Good afternoon, hope all is well ... I have tried to get the bank to remove this off my credit report ... According the them we were late on our payments for over a year, which is not correct we have made every payment on time, anyway they end up selling to another lender whom we have also never been late with ... please if you could remove this from my credit report, it is Home loan services account # XXXX ... thank you in advance. 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 2016-05-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is XXXX of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a second kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser XXXX XXXX XXXX XXXX return to the home ( it was in construction during initial appraisal, XXXX to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an appraiser. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by XXXX of the most relable, accurate appraisors in the area as per XXXX XXXX XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time

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 2016-08-31
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been enrolled in " income-based repayment '' since graduating from school and beginning repayment. When possible, I pay extra money after I submit my required monthly payment. I have spoken to people at Navient multiple times ( by calling their customer service department ) and was told different things by different people. In my opinion, I would have thought the EXTRA money should have been applied to the principal of my loan -- - however, I believe it never is. I make my payments online because the phone system is too cumbersome and time consuming to use on a monthly basis. 

My school is not listed below -- it is the XXXX at XXXX ( in XXXX, MA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have many inaccurate addresses listed on my report. I only live at one address. Also I have multiple misspelling of my name on my report. I only should have one address and on name list on each 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 2022-04-18
Company: Experian Information Solutions Inc.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-04-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied to upgrade my American Express XXXX credit card to the XXXX XXXX. I only applied because there was a welcome offer on my XXXX homepage that said I could get XXXX bonus miles. When I received the card and inquired about the threshold for spending/timeframe needed for the offer, they claim that there's no record of me being eligible for the XXXX bonus mile offer and they can only give me XXXX miles and XXXX MQMs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Complaint # XXXX I the consumer filed a complaint. I was informed that one of the accounts are to remain. Looking at my consumer report all accounts asked was deleted except 1 so I am guessing its the account that was request to stay on consumer report by furnish-er. ( XXXX XXXX XXXX ACCT # XXXX ) EXPERIAN STATED Regarding one of the accounts, at your request to conduct a re-investigation, we contacted the data furnish-er ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/2022 for review. 

I WOULD LIKE TO REQUEST A DESCRIPTION OF PROCEDURE OF THE RE-INVESTIGATION IN WHICH I AM LAWFULLY ENTITLED TO PURSUANT TO 15USC1681i-PROCEDURE IN CASE OF DISPUTED ACCURACY.. ( XXXX XXXX XXXX ACCT # XXXX ) EXPERIAN HAS 15 DAYS TO SEND THIS I REQUEST THAT XXXX  BE SENT TO THE LOCATION ON FILE AN VIA EMAIL XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase added old, outdated information from my XXXX credit file into my current account information. They took XXXX historic phone numbers and at least XXXX historic address. They placed these numbers as active into my account. The historic address was listed as my current physical address. The historic information was from XX/XX/1999 or older. I never provided Chase with any of this information directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In response to Complaint ID XXXX Not really sure why XXXX XXXX keeps responding to my complaints. I've stated at the end of each and every one that a response is not necessary, as is useless. Part of the brazeness Discover has I suppose ... 

Please note in XXXX XXXX XXXX latest response, he specifically stated, and I quote, " We will not being providing phone call recordings as you have detailed in your correspondence to the CFPB. '' So ... I, the customer, requested a copy of the recordings of my own phone calls for proof of an agreement with Discover 's agents.. And he just blatantly denied that request ... Need I say more? That pretty much says it all right there ... I have already documented this into my files and it will be used as part of my supporting documentation for my lawsuit against Discover ... A very big part ... The biggest part. : ) XXXX XXXX and his colleagues should be aware that if a subpoena is ordered by the court for the audio recordings of the relevant conversations, and they fail to comply, they will be subject to civil or criminal penalties ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BOA sent me a modification letter becuase of my military service which I beleive was driven by their prior settlemetn with DOJ. I signed form and submitted it along with payments as instructed. After BOA automatically took out XXXX payments they stopped and when I called to ask what happened I was told I was in modification and could not make any payments. Since then BOA has not allowed me to make any payments and everytime I call they tell me they want new info etc ... Once I send the information I will keep getting mroe requests for more information until now they have initiated foreclosure. I am XXXX military and XXXX so it is on hold. I also have hired a lawyer but ti does not seem they have gotten anywhere with BOA either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2021-10-03
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA mortgage loan and had my forbearance with Mr. Cooper ( Nationstar Mortgage LLC ) starting in XXXX, XXXX when the COVID-19 pandemic began until the forbearance ended on XX/XX/XXXX. Before my forbearance ended, I had applied for a loan modification on XX/XX/XXXX. My partner and I have submitted every document that Mr. Cooper had requested, such as our 5-Page Hardship Affidavit for FHA Loans , Proof of occupancy/Luxury Bill, Current unemployment award letter for unemployment income that shows the amount, start date, frequency, and duration of the benefit income, 30 Days consecutive paystubs with employer name including year to date deductions and earnings, RMA ( Request for Modification and Affidavit Form ) Or UBAF ( Uniform Borrower Assistance Form ), Most recent SIGNED copy of tax return 1040s including all schedules, and 4506-C Request for Transcript of Tax Return. Mr. Coopers underwriting had received and accepted all of these submitted documents. However, underwriting would continuously accept then reject, and request for the same documents time after time, such as our most recent signed copy of tax return 1040s, including all schedules even after we had already submitted our 4506-C forms for them to request our tax return transcripts directly from the IRS. It is now XX/XX/XXXX and instead of underwriting using the 4506-C forms that they requested for our tax return transcripts, they are still insisting on us submitting the same most recent signed copy of tax return 1040s including all schedules, even though those documents had already been submitted and accepted numerous times. I truly believe that Mr. Cooper is engaging in " dual tracking '' whereby they request documents amid processing a submission for a loan modification while at the same time attempting to push my partner and I through the foreclosure process. Before the COVID-19 pandemic and forbearance, I had always paid my mortgage loan on time and had never defaulted. Your assistance would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a trial modification that had payments due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 with Bank of America for my second mortgage. I made all XXXX trial payments on time and they never finalized my loan modification. I have not received any paperwork or letters advising me what is going on. I hired an attorney and my attorney states Bank of America when called simply hangs up on the line once the computer system identifies my loan. Today is now XXXX days since I finished my trial and they took {$3600.00} from me and now are not responding to my request for a final modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have contacted all XXXX credit bureaus to remove incorrect credit reporting data from my file. The account in question has an approx balance of XXXX. I have, with success been able to get the incorrectly reported information removed from my XXXX file. The item is no longer listed due to my not being liable for the loan. The loan is a joint loan that liability should be listed as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I do, however have XXXX Consolidation Federal Student loans ( Exhibit A ) that are currently in a hardship deferment. I have contacted Navient to have the inaccurate listing as it is affecting my " creditworthiness '' and I would like the inaccurate data removed. There is negative payment information that has correctly been reported to my parents XXXX XXXX and XXXX XXXX. 

Enclosed is the student loan detail from Navient website confirming the following : 1. Shows my father " XXXX XXXX '' as the borrower 2. Shows the school attended as XXXX XXXX University XXXX. Shows " XXXX XXXX XXXX XXXX '' as the student associated/attending the learning institution " XXXX XXXX University ''. 

XXXX credit file showing the item has been removed.

Company response to consumer: Closed with explanation