BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: Affirm Holdings, Inc
State: TX
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:
In accordance with the fair credit reporting Affirm account number # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is in response to case # 'sXXXX XXXX. did get in touch with me. The very XXXX time I got a call from wells fargo not asking for my deceased wife. He still refuses to answer any questions concerning accounting and proof of authority concerning My deceased wife 's defective " Note and Deed of Trust '' or the alleged loan that never took place, evidenced by the defective " Note and Deed of trust '' Miraculously thanks to your investigations correspondence is now being made to myself and " THE ESTATE OF XXXX XXXX XXXX XXXX '' Whereas prior to your investigations., all correspondence was made to XXXX XXXX XXXX XXXX making it appear to the court, public and potential victims hoping to purchase my home, from Wells fargo that she is a living breathing defaulting bad person. Which is not only unacceptably disrespectful to my beloved deceased wife, but also slander and defamation of character towards the sweetest, most thoughtful and beautiful human I 've ever known.Wells Fargo is still with no way to prove any authority to do so, only color of authority rescheduled a TRUSTEE / FORECLOSURE SALE for XXXX XXXX. I am filing a 'MOTION FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER in THE XXXX JUDICIAL DISTRICT COURT, XXXX COUNTY, XXXX . ( attached ) to hopefully not have my right to due process of the law violated, my deceased wife 's character violated and my property and home stolen by these criminals, XXXX XXXX XXXX XXXX ( alleged Trustee ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( original alleged lender ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and WELLS FARGO. I thank you for your help thus far. Please do n't let them get away with their crimes and disrespect to my beloved deceased wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-03-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/2010, I refinanced my mortgage with Chase bank. At the time, they made an error and overcharged me {$14.00} in fees. This error was not uncovered until this year, and I was mailed a check for the {$14.00} I was overcharged. I contacted the bank and demanded that they also issue an additional payment for the interest/earnings I missed by the bank holding my {$14.00}, pointing out that the value of that money in today 's dollars differs from XX/XX/2010 value. They refused to grant my request. I pointed out that if I had withheld payment on a loan or credit card, I would have been charged interest and penalty fees, so the same should hold for the bank. When they still refused, I indicated that I would contact the CFPB. Please let me know what steps I should take for fair compensation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan " service '' provider is Nelnet. Due to financial difficulties I requested a lower rate for my student loan payments. I was told I was eligible but had to fill out a series of forms. I requested these forms be mailed to me, but they never came. I requested them again, but they still did not arrive. I called a third time and was told they could be e-mailed to me, so I requested that an emailed copy be sent. It arrived and filled it out as requested. After hearing nothing back, I called and was told that they never received it. 

I do not believe this is an accident. I believe they are deliberately having these issues for the sake of continuing to charge me the exorbitant rate they are charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
Sir/Madam, I have applied a Credit card as name Chase Freedom Unlimited card Reference Number XXXX, Today I got a letter from Chase that my application is unable to approve my request this time with a lame reason " Too many credit cards opened in the last 2 years with report provide by XXXX XXXX why they gave me false information because as per my knowledge I got only XXXX credit cards like Chase freedom, XXXX XXXX, XXXX XXXX and XXXX XXXX. and XXXX credit cards are totally paid out on right time within their promotional period. As per more attractive beneficial benefits more than my previous card so I applied this card.As per good credit customer I have right to access switch my product for more benefits to new product.If chase do n't want my business then I will close all my debit credit cards account from Chase in future. 
thanking in anticipation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Our Chase Bank check was stolen from out outgoing mail. The check was made out to XXXX XXXX XXXX XXXX but cashed and forged by XXXX XXXX. We notified the bank XX/XX/XXXX, prepared all the paperwork, had XXXX XXXX 's and our signatures notarized as instructed to do. We have still not had our claim honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out credit card as a stupid college student. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The purported credit card debt that Chase Credit Card Services is reporting on my credit report became delinquent in XX/XX/XXXX. New Jersey State law has a 7 years Statute of limitation for the reporting of Credit Card delinquent debt to the Credit Reporting Agencies. Chase Credit Card Services needs to remove all derogatory information from my Credit report, because the information that Chase Credit Card Services is reporting on my Credit report statutes of limitation has already expired XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My daughter had a private loan with Chase and I am the cosigner.I never received a statement from them in the 4 years since she took it out. Last month I got a document from them showing the original load had increased by {$2000.00} due to interest. Had I received statements from them, I would have been paying the interest as I have done for the past years with the other private loan she took it out. When she logs into her account there is no information about the servicer or interest amounts.It only shows it is in deferment. The interest also seems excessive. The original loan was {$600.00} and now it has increase to almost {$8000.00} in a few short years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX truck from XXXX XXXX towed a truck that was parked in XXXX XXXX XXXX, in XXXX XXXX, California. According to XXXX XXXX XXXX truck was charging me {$30.00} per day. I never went back to XXXX XXXX XXXX truck to get my truck out. Instead I sing the pink slip releasing my property to XXXX XXXX XXXX. In addition, XXXX XXXX XXXX sold my debt account to Finex Group, LLC. I feel I should not be responsible for The {$2300.00} debt that Finex Group is charging me cause I had release my truck to XXXX XXXX XXXX. Last, I do n't understand why they had to sell my debt to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a business checking account with Chase Bank on XXXX XXXX, 2016 at the XXXX location. I live in XXXX and chose to drive to the XXXX location, XXXX hours away, because I had received advertisement for a {$500.00} bonus for opening a business account. While in the branch, I provided the banker, XXXX XXXX, with all necessary information, including my social security number and card. My account was opened, and I deposited {$500.00} into the account. On Saturday, XXXX XXXX, I received a letter that indicated that I had failed to provide my social security information when the account was opened and the account would be closed if I did not provide the information as soon as possible. 

Up until then, I had not received any contact from Chase that would indicate there was a problem with my account. I called Chase immediately, and I was told that my account was fine and to disregard the letter. On Monday, XXXX XXXX, I contacted my banker, XXXX XXXX. He stated that there was actually a problem with my account, and he would need to research the problem. After researching the matter, he called me on XXXX XXXX and stated that Chase had failed to record my social security information. He stated that this was completely a bank error and that he would fix the issue and my account would remain open. However, he asked me to re-sign the information I had provided in branch on XXXX XXXX and fax him a copy of my social security number. He faxed me the document I would need to sign the following day. On XXXX XXXX, I faxed a copy of my social security number and requested document. 

On XXXX XXXX, XXXX XXXX called me and stated that the account had been closed on XXXX XXXX, and that Chase would not reopen the account. He said that he had argued with management about reopening the account, but told me that management had chosen to close the account permanently. 

I am shocked and appalled by Chase 's actions. This entire problem was due to their incompetency and now I am must suffer the consequences. I still have not received the initial {$500.00} deposit I made on XXXX XXXX, nor have I received the promised {$500.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX charged off a huge cell phone bill that I have disputed for over 3 years to XXXX collection agencies. Initially, XXXX sent this disputed, unresolved balance to XXXX XXXX. XXXX XXXX accepted a proposed settlement in the amount of {$1000.00} because this is the amount I felt I owed for breaking the contract. Instantly, I paid {$500.00} and agreed to pay remainder {$500.00} over a XXXX day period in which XXXX XXXX agreed. I called XXXX XXXX, XXXX back and they informed me they no longer serviced the debt. I suddenly contacted XXXX recovery department but was either disconnected or hung up on several times when attempted to speak with someone for several weeks. Starting the last week on XXXX, 2016, I started receiving many calls from RPM ( Receivables Performance Management collection agency ) who said they represented XXXX. They said they had received several complaints from customers stating they already had payment arrangement with another XXXX collection agency but regardless, they could not work with an amount agreed upon by former, XXXX XXXX, XXXX. They refused my proposal of remainder {$500.00} and persistent on a set amount. I again tried to reach out for help from XXXX. XXXX refuses to discuss this with me although they are reporting derogatory on my credit. This need to be cleared up XXXX. Why wo n't a creditor like XXXX discuss balance with me and they are reporting on my credit? XXXX has ruined my credit.

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 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint is against Bank of America in North Carolina. My father died on XXXX/XXXX/16. I am the executor of the estate. The court in NC is requesting the balance in his bank account on the day he died. Sometime in XXXX I called BOA. I was told I could pick that info up at any branch. I told them they closed all the branches in XXXX XXXX, and the closest branch is a half hour away, and could they just mail it to me. They said yes, I should get it in a week. I had not received it after 2 weeks, so I went to the XXXX XXXX branch. I was told I would receive the info within the week. About a week later I received a letter stating " An authorization/instruction letter is required in order to process the request ''. I called the number to see exactly what they wanted. BOA said they must have the request in writing. On XXXX XXXX, 2016 I went to the XXXX branch. The associate there was very helpful.She faxed all the info requested by BOA, including the death certificate and letter of testamentary, which they already have on file. She called the Estate department to make sure they got everything. They did. As of today, XXXX/XXXX/2016, I have received nothing. I can not close the estate without this document from BOA stating the amount in dad 's account on the day of his death. It seams to be the estate department refusing to cooperate. I will appreciate any assistance you can give me in this matter. 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 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 rewards from credit card

Complaint:
On XX/XX/XXXX I used points on my Capital One Venture card to pay for a Hotel Stay that appeared on my statement. Capital One immediately deducted the points ( XXXX ) from my points balance which should have credited my account for the {$100.00} hotel charge. The transaction shows in my Redemption History. 
As of XX/XX/XXXX, my account still has not been credited. 
Called Capital One on XX/XX/XXXX to report issue. Was told that there was a " system '' problem and they would open a ticket to correct. Called again XX/XX/XXXX, and today XX/XX/XXXX. 
Capital One does not appear to be correcting the problem which is entirely their error.

Capital One is in violation of our credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had mortgage with XXXX XXXX  from XXXX. When pandemic start we took 6 months forbearance from bank and we have been told there is no penalty or extra interest for not paying mortgage for 6 months. Everything what we did not pay is going to extend our payment period for 6 months. In meantime XXXX sold our mortgage to Carrington and they told us that all terms what we have with XXXX stay the same. In XX/XX/XXXX we continued to make regular mortgage payments to Carrington. They send us 3-4 times done papers to sign regarding forbearance. We did and I find out how they charge me almost {$8000.00} for some extra interest for not paying mortgage and plus they extend my paying period for 2 more years. If I want to left them and go with another lender, I have to pay them more then my original mortgage was 6 years ago, regardless I already made around {$80000.00} in payments toward mortgage. I called them and they refuse to go anything yo correct that. They said how I sigh to be agree with that, I wouldnt never sign something like that if I havent been somehow tricked to do that, or mislead with some high profile language where I didnt understand everything correctly. I think that their actions is wrong and damaging for me without any reason, especially their refusing to fix it. I am not able to hire law firm to finish my business. 
Think you for understanding,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. 



Date XX/XX/2022 XXXX {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to 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 non-monetary relief
Consumer complaint received 2022-05-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was sent an offer to open a checking and savings account at TD Bank and earn up to a {$500.00} bonus if I made direct deposits of at least {$2500.00} within 60 days ( which I did ) and deposit at least {$20000.00} of new money into a new savings account within 20 days ( which I did ). 
I live 5 hours away from any of the banks offices and so the only way I could deposit the money was to send it to my checking account at this bank and then transfer it into the savings account. I called their customer service and explained that I could not directly transfer it to the saving account and they suggested this method was they way to do it. 
My bonus of {$500.00} has not been posted and the TD Bank said it would within 140 days of account opening. I opened the account on XX/XX/2021 and today has been 166 days. I have called three times and asked them for the money and they have yet respond. 
I feel they have violated the Unfair and Deceptive Acts and Practices ( UDAP regulation ) and refuse to follow through with their agreement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: MI
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:
On Monday, XX/XX/2022 I attempted to access my Experian online account using my username and password. I was unable to sign in and even after repeated calls and going through their systems requirements to reset username and password wasnt able to get anywhere. In fact there was no way I could access a real live person to give me help. It was a continual loop which took me back to the same place time after time. They send me regular emails so I know I am a client of theirs. It is extremely frustrating. 

At this point I am without any options at all either online or via the phone. It appears they are making it as difficult as possible to get in touch with them. I am not willing to write a letter to get access to my account online. I need someone to call me and fix this problem in a professional manner.

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 2022-08-27
Company: CORELOGIC INC
State: CA
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:
Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) Corelogic Credco dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) XXXX XXXX XXXX dated XX/XX/XXXX 3 ) Credco Corelogic dated XX/XX/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