BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-09
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt from Capstone Credit and Collections for XXXX XXXX XXXX for a balance of XXXX in XX/XX/2012 for an apartment I never resided in I sent the proper documents and an Identity affidavit and police report stating my identity was stolen they sill refuse to remove the Collections stating if was valid only sent a judgement and a lease with a signature that is not mines. I would like the collections remove and not to be sold to another company off all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My taxes are escrowed. 

Received delinquent notice for town tax payment on XXXX stating that town tax was not paid as of XXXX. Contacted Mr. Cooper on XXXX and the representative instructed me to send the delinquent notice to XXXX. I sent the delinquent tax notice to the email address on the same day XXXX, included name and property address and loan number as instructed. 

I called Mr. Cooper on XXXX to inquire if the delinquent town tax was resolved. I was told that I need to wait until 7-10 business days after sending the email with the delinquent notice to them and to call back then. 

On XXXX ( 10 business days after XXXX ) I called Mr. Cooper to inquire if the delinquent town tax has been resolved. I was told that the tax was paid in XX/XX/2022 ( which my account shows the disbursement back in XX/XX/2022 ). I told them that I sent them the delinquent notice as instructed on XXXX since it was not paid as of XXXX, so the need to take care of this. They asked me the amount and parcel number on the delinquent notice, which I answered. They asked me to email the delinquent notice to XXXX, at which I responded this was ALREADY SENT XXXX, and apparently no one has done anything with it. 

Delinquent notice indicated that this will be sent to collections if the town tax is not paid. Mr. Cooper has not done anything to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage lien on my home from the Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX c/o XXXX XXXX XXXX XXXX. The interest rate on my loan is over 10 %. They have set a foreclosure date for XXXX/XXXX/XX/XX/XXXX I want them to produce ORIGINAL signed documentation that they have legal right to lien or foreclose my home ; showing they are the legal holder of the mortgage note. If they can not produce the original signed documentation they must cancel the foreclosure hearing. " Robo-signed '' documents are not legally accepted therefore they must produce the originals.

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 2022-11-10
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX : learned that my checking account was overdrawn due to inadvertently making XXXX credit card payments to the same card in XXXX month. 
After speaking with a representative from Chase, they advised to not do anything. When the demand for payment shows insufficient funds in the checking account, it will go back to Chase and you will be able to pay the amount the following month when the funds are available. And DO NOT TRANSFER FUNDS FROM ANOTHER INSTITUTION TO ACCOUNT FOR THE SHORT FALL. 
XXXX. Learned that checking account was overdrawn again due to Chase again requesting payment. On XX/XX/XXXX the Chase Rep said nothing regarding Chase sending a second payment request. This week, there were several checks sent out to various merchants, my assumption being that Chase was not going to make a second attempt for payment. The result, several overdrafts, due to insufficient funds. I again contacted Chase, regarding this matter and was once again informed to let the checks bounce, because transferring funds into our checking account would confuse their system. 
I am seeking reimbursement for overdraft fees, resulting from following the Chase Representatives advice. Also Im concerned regarding how the merchants will view my ability to pay their statements in the future due to the overdrafts, additionally how this may impact my credit score going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wife and I have been long time Capital One customers. We have credit cards and she holds the savings account with Capital One. She recently checked the interest rate on the savings account and noticed that the rate was still at 0.30 % no where in line with the current market rates for savings accounts. When she called to ask how come the rate didn't increase with the market she was told that Capital One no longer offers the " savings '' account but instead has a XXXX XXXX XXXX account that we would need to upgrade to in order to get the new rate. I have been in community banking for over XXXX years and I believe this to be a deceptive trade practice. There's XXXX industry or regulatory reason that Capital One would need to establish a new savings product and instead is just a way for them to avoid increasing the rates for existing customers. Therefore all of their existing customers with regular savings accounts are getting drastically below market rates of interest unless they call in to switch. This is just not right and consistent with a company that should be acting in the best interest of their customers. You shouldn't be allowed to just create a new account product just to avoid paying increased interest rates to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, 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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I was falsely told that Nissan of XXXX XXXX would be unable to provide prices for a new lease unless my credit was run. I am a long time customer of Nissan of XXXX XXXX so I was surprised to hear this. 

My lease was ending soon and I truly needed a new car. However, my search had just begun. The salesperson and the sales manager both assured me that figures could not be discussed without running my credit and that this is Nissan policy. I explained that this had never happened and I had always discussed figures before my credit was run.

As I was comfortable with my 710+ credit score, I reluctantly agreed to the credit check. I then visited other Nissan dealerships who explained that running credit before discussing figures is absolutely NOT Nissan 's policy. 

I was pressured to run a credit check and feel I have been wronged. this was the first time this happened to me and also the first time I, a woman, shopped for my lease alone. I am wondering if the dealership preyed on me because I was a woman shopping alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I 've been contacted recently by a Debt Collector with the most smelly attitude on earth weeks ago, the. She recently contacted me again threatening me that I have til the XXXX to pay my overdraft of {$120.00} from XXXX bank. But when I received the letter last week Monday, XXXX XXXX the letter informed that I have 30 days. But having her contact me knowing that I am in school at the age of XXXX trying to pursue my career especially off of a different number with a local area code is really rude of her to do so with the same attitude. I tried to inform her to do not call me anymore but she hung up the phone. Which is really unprofessional -- she needs to go back to school and pay her own debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On  XXXX / XXXX /  XXXX   I was on the phone wi th Wells Fargo for ove r an hour ; no one has the " power '' to fix the issue. Got the furthest with  XXXX   XXXX  who said no one could refund more than one late fee and he was the highest person I could speak with.     To summarize the issue, on  XXXX / XXXX /  XXXX   I logged into  Wells Fargo Dealer Serv ices website to catch the auto loan up. At this time it said the balance due was {$250.00} on  XXXX / XXXX /  XXXX  , I made this payment at that moment, and scheduled automatic payments starting on  XXXX / XXXX /  XXXX  . Unfortunately, the amount due was not actually {$250.00} and an additional {$240.00} was due. I understand that at this time, but the website to this day displays incorrect information indicating that the loan is not behind a 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 monetary relief
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a mortgage with Chase Mortgage. On XXXX XXXX 2013 I sold this property.Then Chase has reported to the credit bureaus as a foreclosure started. Chase refuses to remove the XXXX status on my credit report. Even though, the account has been paid in full as of XXXX XXXX 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: TX
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:
From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time of my absence Someone stole my personal information and begin to use my credit cards and banking account. I notify JP Morgan Chase Bank about the fraudulent transactions on the slate and freedom credit cards. I was informed that both accounts were closed due to nonpayment in late XXXX early XXXX. I inform CHASE fraud department that any transactions on the accounts at that time we're not my own and ask for the account to be reopen and place at the balance it was before I left. As of, XXXX, there has been no action taken on either account only negative reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have reached out to Chase bank in hopes to have the bank look into a XXXX payment that was sent to a parking company that did not provide me the service we agreed on. The bank took no action and no investigation with the merchants bank and deemed that no refund would be returned. I urge the bank to investigate further and see all the complaints against the parking company. The {$130.00} XXXX that I transferred to the XXXX XXXX XXXX XXXX should be returned as they did not hold up their side of our agreement and refuse to communicate with me. I have filed reports against them through the XXXX XXXX XXXX  and through the parking association time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Paycheck deposited Saturday XX/XX/21. 
All funds were available in account on Tuesday, XX/XX/21. On Wednesday XX/XX/21 the funds were withdrawn by bank from account because " they received a notice that the account the check was from might have insufficient funds. '' They will not attempt to collect again until XX/XX/21. Until then, they keep charging overdraft fees for all transactions made while funds were available during the times XXXX. 
Upon contacting the bank the check was from, the funds had already been withdrawn. No one knows where the money is now, and my account is over {$800.00} overdrawn.

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 2015-07-25
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Late fee

Complaint:
On XXXX/XXXX/2015 Chase credit cards attempted to execute an automatic payment against my checking account. The automatic payment was rejected because I made a mistake. I noticed this after a periodic visit to the website. I did not receive an email, I did not receive a message in their " secure online message center ''. I was assessed a late charge and interest. My credit card was suspended. 

I immediately called Chase and they said they only send USPS for this type of matter. WHERE IS THIS DISCLOSED? I sign up for automatic payment, electronic billing, txt and email alerts but rather than using any of these means to communicate they send snail mail risking huge penalties and impact on my stellar credit score. And why in the heck did they not do a test transaction on the routing number/account number BEFORE the due date. 

There is clearly a gap in the regulations if they can claim to have all this paperless billing and electronic billing but use usps mail for this XXXX special case. Even if they were concern about security, they could have sent a email asking me to call to address a matter just as they do when there is an unusual charge that triggers a security concern. 

The CFPB needs to investigate whether this is a unique problem to me, whether they are taking advantage, or whether they are being deceptive regarding their use of electronic/paperless billing. 

Thanks you, PS : The agent refunded my late fee and interest as a courtesy but most likely because I charge a significant amount every year on their cards. That should not let them off the hook. I want nothing but a change a policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Radius Global Solutions LLC
State: DC
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 an email for a collection of a debt that was NOT mine ( I have NEVER had ANY loan, mortage, credit card, NOR I have ever been married ) to the person the collector is trying to get in touch with. My affiliation to this person is over 10yrs. 

The XXXX representative was dismissive, and could not provide information with how my email was obtained for correspondence for this debt. The representative hung up on the phone on me.

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 2022-11-10
Company: New Mexico Educational Assistance Foundation
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called to request a refund on payments made during the interest-free forbearance period. They said they dont do that. They said there loans dont qualify for this. Is this true, they are a federal loan company, they are the New Mexico Student Loans. I also always wondered how my original loan was {$38000.00} but I have paid over {$74000.00} with a 6.250 % interest. I would like to know if this is true can they deny giving us the refund???

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a 2015 Ford Fusion in XX/XX/2015. Thus far, my vehicle has been in the shop collectively over 40 days. Most recently, the car was in the repair shop for 24 days. The Ford dealership had to rebuild my transmission twice, and was unable to fix an electrical problem inside of the car. I leased this vehicle because this is my first new car and had no car credit and student loans-making it difficult to purchase a car, which was my initial intention. The finance department advised me to lease the car and buy it out at the end, because they knew my plan was to move out XXXX, where I lived before, and had the goal of purchasing my own vehicle. The lease was only to be able to have a financing option. The dealership was also aware of my work, which is as XXXX, and that I drove a great deal, transporting other people 's children. They were aware I was going over the mileage, again, reinforcing my intention of purchasing the car at the end of the lease. Now, the car has lost so much value, I have been backed into a corner. My job is on the line because my car is not safe and I can not transport the child I am caring for. I got a new car because I care the most about safety and reliability, and it has neither. The dealership said that it is not their problem, but I can not buy a car that is not what I was sold in the first place. I feel helpless and this car has now put me in a hole. I believe it is the manufacturer 's fault that these issues exist. There is an electrical issue that the dealership has said can not be resolved and Ford has agreed, and now the transmission. I will never be able to sell this vehicle after buying it and I will not be able to afford repairs after my lease is up, especially now that transmission AND electrical issues exist. Ford and the dealership keep saying I have to pay but I just do not believe that it is fair. None of the issues have been my fault and I should not have to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened several accounts without our permission by using funds in our business account. Because of this practice, I was overdrawn on my actual account. They rectified the situation but it still haunts me when applying for business loans because of the NSF fees that appear on my statements. When I explained to the lenders, they did not believe me because they thought what I was telling them was illegal and could never happen. It happened 3 times in the past 4 years. and it was done by the same person.

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 2015-06-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had to resubmit my mortgage loan modification paperwork. 
I was approved for the modification and received the trialagreement on XXXX/XXXX/2015 and was notified my XXXX paymentwas due on XXXX/XXXX/2015. I called and asked why the shortnotice and was told if I ca n't make the payment by theXXXX then they will note I will not move forward with theplan. The agent 's supervisor then proceeded to tell me when the last timeI made a payment and that I need to make the payment onthe XXXX. I had to escalate the matter for someone to requesta later start date. Although, it may not be approved, it waswithin my rights to request XXXX since it was less than30 days notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Information belongs to someone else

Complaint:
I ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to XXXX, Experian and XXXX disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

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