BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX 2015Federal Bank RegulatorOn XXXX XXXX, 2015 Chase Bank confiscated {$14000.00} from my checking account. They did this with a simple debit entry. They did not provide any advanced notice. This was done without any discovery of fact procedure, arbitration or legal hearing. My account did not have sufficient funds and therefore was overdrawn. A check for local property tax was outstanding and subject to penalties. The entry that triggered this action was a direct deposit from the IRS on XXXX XXXX, 2015, a month and a half earlier. I have not received any correspondence from the IRS about any issues. I understand the clearing of funds between banks and the need to reverse transactions. Chase shows this in funds available for withdrawal. This normally takes days not a month and a half. I believe all issues are with Chase Bank and their handling of the transaction and their procedures for confiscating money. I have contacted Chase and they are working to resolve the error. I hope and expect the monetary portion to be resolved. What can not be resolved is the procedural issue which allows a bank to at their whim without notification and any formal procedure to confiscate money from an account holder. This requires Federal regulation. In summary my question is : Can a bank at any time confiscate money from an account holder without advanced notification and without a formal fact finding hearing? 

Banking is not practical without assurance of funds. If this is not legal, what is my recourse? 

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filled out a complaint on XX/XX/2016 about a collection notice I received from AFNI, XXXX On a debt from Century Link for {$82.00} and today I spent the next 3 hours on the phone with XXXX after the collection company told me that XXXX recalled the debt. Once again I was unable to verify the debt with XXXX XXXX in that amount. I spoke with XXXX different customer service reps from billing to credit and collections. NONE was able to tell me how or where this amount came from. Yet it 's been almost 2 years and this debt has been reported to all XXXX credit reporting agencies. I have tried and failed to verify this debt with the original creditor and collection agency. Neither has been very helpful other then they would be happy to clear this up after I paid them this amount. Again I would be happy to pay if I could verify the debt and when I was billed for it. Further more my XXXX XXXX account is paid via auto bill pay and once again I was told by XXXX XXXX that my account is current and show NO outstanding balance. They looked up my account using my name, account number, home phone number my wife 's name and finally my social security number all showing I do n't have any debt in said amount. So once again I got nowhere with this issue and I still have this debt being report on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: T.S. Holdings
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of my apartment on XX/XX/2022 for medical reasons. ( Of note : The apartment that I was given on move-in day was not the apartment that I was shown for rent. ). A pipe broke in the apartment upstairs from mine in XXXX XXXX XXXX  whereby I was displaced from my apartment for 21 days. The ceiling collapsed and wasn't repaired properly, as they tried to paint over the water damage, so it fell several more times, even after I moved back in. The apartment ended up being chronically damp with black mold growing at the bottom of the hall closet. The water coming thru the ceiling brought with it the tar from the prior tenant who was a XXXX XXXX and I now had brown dripping water throughout my apartment and the odor of old smoke. 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 XXXX XXXX. 
Things hadn't resolved by the end of XXXX when I moved out, as the XXXX XXXX XXXX XXXX XXXX still had two open cases for my apartment alone. 
The prior manager, XXXX XXXX, was very understanding of my need to break the lease for medical reasons. Apparently, when she left to take another job, her replacement, or XXXX XXXX themselves, put a derogatory mark on my credit report stating that I owed them {$2500.00} as of XX/XX/2022 for XXXX XXXX XXXX. 
NO ONE EVER CONTACTED ME ABOUT THIS DEBT. IT IS LISTED AS " IQ DATA '' ON MY CREDIT REPORT BUT I JUST HAPPENED TO SEE IT THERE. 

I contacted XXXX who told me to reach out to XXXX XXXX to help me resolve the situation. I did this twice and he never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts listed on my credit report that do not belong to me. Please remove them immediately. Thank you.

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 2015-09-14
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Dear SirsUS Bankloan numberXXXX XXXX XXXXI am writing to you because I have some concerns with this " MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in XX/XX/XXXX, We did not buy nothing for over three years, just made sure we repair our credit. 

because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn XX/XX/XXXX we started the process of buying a house After 5 years of waitingwe paid for escrow ( non refundable ) XXXX we paid for a home inspection ( XXXX ), we paid for appraisal ( XXXX ) to be done and a HUD inspector ( XXXX ) because we were trying to get a foreclosed house and get a XXXX loan. title work. because on XXXX XXXX XXXX report it only states paid in full.. but in cyber world it was showing pre foreclosure so we were denied the loan. My loan officer told me it was something about a house in pre-foreclosure But I told her it was a Short SaleSo we lost that house, I paid all my new debt, per my Loan officer next time we should not have a problems, just your Autos on our credit with over 19 % interest rates because of our creditso I waiting XXXX months this time, the same house came back on the market, we put in a offer and put in our money to escrow this time XXXX non refundable and another appraisal XXXX because the other XXXX had expired, I new I was going to get the house, I was approved for a conventional loan, But I had some Disputes on my credit report I had to undo those and my loan office said had to run XXXX again and it came back " approve with caution '', because of a pre-foreclosed on credit.. 
now I called the US Bank, I called I pleaded I explained I had my paper work I talked to over XXXX people in customer service .on a conference call with the XXXX XXXX XXXX XXXX and US Bank , still not fixed talked to loss mitigation, faxed at least XXXX faxes showing cash sale deed and my husbands credit report ..they told me they could not do nothing they only kept there records for XXXX years that no body could help .. 

Why writing to you I need to be compensated for all the money I have had to pay out for US Bank mistakes, But the moment I reported to the XXXX, Now XXXX US Bank have " Customer Advocacy Specialist " all the sudden why did they not tell me that from the beginning I lost a lot of money and time because of US bank mistake the customer service they were rude, and would not let me to talk to a manager, telling me do this! do that! that it could not be done unless I disputed it, because of this I lost the house again and I am very upset about this .. 


XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
During the first week of XXXX, I contacted Great Lakes to request the funds I paid during the Covid-19 payment freeze be refunded. They told me my request would be " honored '' and would take " up to 45 days '' to process. After 45 days had come and gone, I followed-up and received the below response. They never notified me of any change to the 45 day window I was provided and now they are playing games.

They are also claiming I have a balance for a loan I paid IN FULL because they have processed the refund in their system, but are holding back the money. So it now appears I have a balance, even though they didn't actually refund the money. 

Hi XXXX, Thank you for your email. 

We are now waiting for the U.S. Department of Treasury to approve the refund requests before funds can be issued back to the remitter of the payment. We appreciate your patience while our Payment Processing Team works diligently to process your refund request. Due to the high volume of refund requests, we can not provide a time frame for when you will receive your refund. 

If you have additional questions or concerns, please do not hesitate to contact us. 



Sincerely, XXXX XXXX XXXX Great Lakes Educational Loan Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Documents were sent to US Bank for a loss mitigation review of the Making Home Affordable Program on XXXX XXXX, 2016. These documents were followed up by a call on XXXX XXXX, 2016 to confirm complete and received. They advised that the only thing that would be needed to complete this package would be a financial worksheet. This document was faxed to them within an hour of the request on XXXX XXXX, 2016. When US Bank was contacted on XXXX XXXX to confirm that this was received, the representative did not even know that it had been added to the file and the document was not reviewed until the call was placed to them. Since there was a foreclosure sale of XX/XX/2016 it was imperative for these documents to be reviewed in the proper 5 day time frame. When a call was placed on XXXX XXXX, 2016 the foreclosure sale was still listed when they had a complete package on file since XXXX XXXX, 2016. They are violating dual tracking by foreclosing on the property when the file should be in loss mitigation review.

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 2022-11-08
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
As of XX/XX/2022, I am a XXXX XXXX XXXX pursing my XXXX XXXX XXXX in XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX  XXXX During this program, I am not employed, have no steady disposable income, and am paying for housing and other necessities by way of XXXX XXXX XXXX and XXXX XXXX XXXX 

Firstmark Services, who service XXXX private loans for previous educational endeavors, refuse to grant me in-school deferment for the time I am pursuing my XXXX. It was verbally relayed to me during the XXXX XXXX XXXX  I would be eligible for in-school deferment. I can not recall the actual date. I submitted the appropriate confirmation of my status as a XXXX XXXX. They continue to reject this much needed deferment, thus seriously damaging my credit score and causing mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX I stopped making payments on a {$1600.00} Chase Bank credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX Chase decides to sue me but I was never served. Chase 's attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX XXXX XXXX XXXX XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the XXXX XXXX XXXX in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX XXXX XXXX XXXX XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX XXXX XXXX XXXX XXXX and they told me that there is nothing they can do because the judgement was entered by XXXX XXXX XXXX and that XXXX XXXX XXXX has to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage due to COVID and was not advised by my mortgage company of all my options pertaining to catching up on my mortgage

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 2022-11-08
Company: United PanAm Financial Corp.
State: VA
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:
This company has been reporting that I owe {$250.00} since XXXX of 2017. I paid the balance in full in on XX/XX/2017. When I called them to complain they acknowledged that they received the payment. I feel this should be taken care of immediately and it has adversely been affecting my credit score for years. They also have held onto the Title to my car and led me to believe it was given to the dealer where I purchased the car, XXXX XXXX, which went out of business years ago. I have enclosed proof of final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My Complaint is not about the XXXX. My compliant is about NelNet and what happened before the default. As I review my statement on NelNet 's website, dated XXXX/XXXX/XXXX, it was showing my correct address. I know for a fact Nelnet had my phone number and email correct, as I have received both phone calls and emails from them. When I logged into NelNet today ( XXXX/XXXX/XXXX ) I found out that my loan was a {$0.00} balance. I then called the XXXX, who informed me that they had the following address and phone number, XXXX XXXX XXXX, XXXX, OH and phone number of XXXX. My loans were sent to the XXXX in default status. The woman at XXXX XXXX XXXX told me that I have XXXX to 90 days before I am assessed a penalty fee. I called on day XXXX. Had I not called today, l would have been charged a 25 % penalty fee for default, all because I could n't afford my payments. NelNet REFUSED to work with me, and they changed my contact information so that XXXX could not send me letters. NelNet updated my account with false information in regards to my address and phone number, with malicious intent. This caused the XXXX to not be able to contact me and work with me. I feel that NelNet needs to pay my entire student loan balance as I would have been charged over {$13000.00} in penalty fee for defaulting on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, Comenity Bank has not reported any updated balance on my account since XX/XX/2022. I reached out several times to them. My balance is {$0.00} but it shows on my credit report that I have an outstanding balance of {$9000.00}. They sent me a message on XX/XX/XXXX stating that because of a recent system update they are not reporting account updates to credit bureaus while our processed align for accuracy. I would assume that they suppose to report after 90 days maximum, this is very inconvenient for me. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are two accounts on my credit report that are not mine I need these off my credit report since I dont knwo what these are and I have not signed or authorized any amount like this what is going on??? 


XXXX XXXX - Account # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/2015 2015

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 2020-04-18
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$720.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
There have been clerical errors made on my student loan accounts for almost the life of the loan. Since XXXX, XXXX XXXX ( now Navient ) has made managing my Federal Student Loan loan very difficult. The difficult started with failed attempts to establish automatic payments. XXXX XXXX did not offer an option to set this up over the phone. I would request a paper form and none would arrive. There were no phone notifications either. I have an email from XXXX of XXXX where I request XXXX XXXX to further develop system to offer what all other financial institutions were already offering ie. auto-pay established over the phone and phone notifications. 

When Navient took over the loan, things continued to be confusing and misrepresented. Interest was Capitalized at random, Forbearance requests were not followed through on, and vague information regarding changes to my loan was provided -specifically that I had been placed on a graduated payment schedule. 

Worst of all, I was told over the phone that my loans were in forbearance ( per my request ) only to learn after months of missed payments ( with no notice ) that the account rep had not put my account into forbearance! When I inquired as to why, I was told that a form had been sent out that needed to be signed in order to complete the request. I never received any form and in fact was told on the phone that the account had been placed into forbearance. The missed payments have all but destroyed my credit. I can not seem to get it fixed. Navient should contact the credit agencies to have this removed as it was not an error on my part. Besides my credit being severely damaged, I lost a discount with Navient. I have been paying via auto draft for the past 22 months and the discount still has not been restored. 

Recently I received notice that my payments due per month have increased by {$200.00}. Apparently I am on a Graduated Plan? I was never notified of this nor did I sign anything agreeing to this. This creates a financial burden that I did not anticipate and I am afraid that payments will continue to graduate at random intervals and increments. I have no schedule of any of this! 

Lastly, I have been paying the same amount for for the past 22 months yet the amount paid towards principal and interest does not follow any sort of linear progression. Specifically, each month, more or less is paid towards principal and interest. Should n't the interest gradually decrease each month? There is no discernible pattern to the way my payments impact the principal. 

Taking a Federal Student Loan for XXXX XXXX has been by far the worst financial decision I have ever made. I took the loans to further my education. In addition to a worthless XXXX XXXX, I received a first hand look at the impossibility of paying off school loans. I wonder if I 'll ever get out of this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im trying to change my XXXX information from discover to XXXX  XXXX bank. But cant because all of a sudden they remove XXXX from my discover account and no longer can use my email or phone number at any other bank for XXXX. According to XXXX themselves discover marked my number and email as fraud. 

Im not the only person having this issue. With a XXXX search you can see others in the same situation

Company response to consumer: Closed with explanation