BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
The J.P. Morgan Chase Hamp Modification Executive Office in XXXX, Ohio is stonewalling me by not completing my resolution for a XXXX Lien Modification. They have been claiming for 4 months that the U.S. Treasury has not given them my correct address based on the information received from my XXXX lien holder XXXX, which did grant me a XXXX lien Hamp modification. They are lying, using the cover of " government inefficiency '' to accomplish their goal of trying to make me give up on this process. The Chase # is XXXX XXXX. Please! I need help. Thanks. 
Committee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I requested 3 bank transfers from Bank of America : 1. {$2000.00} wired to my checking acct with XXXX, 2. {$1500.00} transferred to XXXX credit card and 3. {$1700.00} transferred to XXXX credit card. It is my understanding that the funds were released on XX/XX/XXXX, however XXXX credit card did not receive the transfer. On XX/XX/XXXX, the transfer that was sent to XXXX  credit card was endorsed and deposited to XXXX XXXX, as shown in the copy of the check # XXXX issued by BOA to XXXX for requested balance transfer. I have since confirmed with XXXX that they did not receive the funds nor endorse the check and that the check may have been intercepted. According to XXXX, XXXX XXXX is a team leader at BOA. I have sense been asking BOA to cancel the transfer as the transfer is no longer needed. I have been paying on this transfer since XXXX but have not received the funds. Any help in restoring my credit would be extremely helpful. I have had numerous calls with BOA and have not been successful in seeking a resolution.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-20
Company: WELLS FARGO & COMPANY
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, an unauthorized cash advance was requested on my Wells Fargo credit card through the Wells Fargo secured online portal. It was not until I went to check my statement on XX/XX/2022 that I was made aware of the charge. I immediately called their fraud department to report it. Their ultimate resolution was that since it was made through their online banking portal, I had authorized it. I have repeatedly informed them that this is not the case. At the time of the transfer, I received no text or notification that such a large cash advance had been made, or that anyone had logged onto my account from a new device.

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 2022-10-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to renew my fraud alert with Equifax This problem is a yearly issue with Equifax not renew my fraud alert on my credit file I need your help with this problem I sent Equifax a certified letter with my driver license and my social security card to Equifax on XX/XX/2022 still unable to renew my fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: BMW Financial Services NA, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i was incarcerated when this account was open this fraud representative claimed i forged a police report through XXXX police that was filed and XXXX police, you can confirm that both identity theft police reports where not forged and are accurate, i was in federal custody when this account was opened and there failing to remove these accounts, by bureau of prison inmate number as XXXX and i was incarcerated from XXXX/XXXX/2010 for XXXX months and they can confirm this online and are refusing to do so, they can confirm this info through XXXX and wont do so and say they verified this account as mind and its NOT mind. I was at FCC XXXX XXXX at the time this account was opened no way i could have opened this account and you being the government can confirm both police reports in both cities and can easily verify where i was when this account was opened under my name, there violation my rights under the FCRA and FCBA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated law school XX/XX/XXXX. While in my last year of law school, I consolidated both my XXXX loans and graduate loans to lock in a 5 % interest rate. XXXX XXXX was the original servicer of my student loans up until my account was transferred to XXXX around XX/XX/XXXX. From XXXX to XXXX, XXXX XXXX would place me into forbearance if I was unable to make my student loan payments. Starting in XXXX, XXXX XXXX begin to email me about XXXX XXXX XXXX options. I filed and was approved for XXXX in XXXX. In XXXX, I received notice that my account was again being transferred to Aidvantage for servicing. In XXXX, when I was struggling to repay my student loan under the XXXX program, a representative recommended that they change my XXXX program to XXXX as opposed to the XXXX I was under in order to lower my payment. I asked if I would still get credit for the previous months under the XXXX that I started and was told YES. I inquired early this year to see how many payments I had towards my loan forgiveness. To my surprise and dismay, the clock was RESTARTED in XXXX and all of my historical payments were wiped away from my account history. I also learned that XXXX became available in XXXX, however, I had no clue and was not able to take advantage at a much earlier time period and have suffered financial harm due to XXXX XXXX, XXXX and Aidvantage 's lack of transparency about my payment options and payment history. I feel extremely misled and believe such misrepresentation is egregious. I am seeking cancellation of my student loans that have been mismanaged by XXXX XXXX, XXXX and/or Aidvantage. Lastly, I have had to put in at least XXXX different requests through XXXX for someone to provide to me a historical account of my payment history. My last attempt was on XX/XX/XXXX and the Aidvantage representative stated that she apologized as my previous requests for additional information were never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I think it was XXXX I was told by my school XXXX to get private loans to pay for my classes. they took all the money for the hole course! the school did not offer any help at all and did not finish the first class. The school told me I had to pay for the class again as I had no more money I had to drop the course. The school did not refund the moneys back to the private loan provider and I am still paying for something I did not receive. And I am still paying today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase bank did a analysis on my mortgage after they received my home owners insurance, which went from {$690.00} to {$450.00}. They told me I had to much money in my escrow so they sent it back to me. Then they send me a mortgage bill my mortgage has went up, because I did not have enough in my escrow, I called and complain to them. why did you send me money back and then say I do n't have enough escrow. My mortage has went up from {$720.00} to {$720.00}. with a shortage of {$22.00}. I pay the {$22.00} and then they tell me my mortgage will be {$700.00}. After I pay that for one month it went back up to {$720.00}. I called again, why is my mortage going up and down. they claim because I have a shortage of {$22.00} but they after I paid it that it would only be {$700.00} for that month. They also claims my taxes are going to be higher XXXX they evaluated that. Well I received a letter in the mail that the board filed in my favor that my real estate assessment was not correct and that it change from XXXX to XXXX, XXXX making it a difference of XXXX. I want them to stop messing over my mortgage and if everything is going down, so should my mortgage. The person was rude, which was a supervisor and I told her that I was going to file a complaint because they are not doing their job. I am a single parent and I am on a budget, I am not trying to pay a high mortgage if I have the money in my escrow to cover my taxes, they told me it is state law you can only have so much in your escrow, then why have a escrow I can pay my taxes myself if that is the case. They are not taking into consideration non of my discounts.!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Westlake Services, LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXXI am a victim of ID theft and this finance company tells me the account number but refuses to remove it from me I have never purchased or signed for any auto financed through Westlake Finacialtheir number is XXXXAccording to the lady my account number is XXXXshe would not even tell me who or where this came from please help me to get this off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Albert Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2022 I used the XXXX XXXX XXXX XXXX to prepay for gas. Rather than connecting to the pump system, the app glitched out and charged me three separate {$100.00} preauthorizations, for a total of {$300.00}. I tried to get support through the app, but XXXX has removed the ability to download or update the app for XXXX so I called XXXX 's customer service number XXXX, where I was told they couldn't help me and transferred me to their Payments department. Payments advised they could see nothing and that it should drop off the following day. It is now seven days later and I've called the general customer service line and requested a call back from management to try and get this fixed, been transferred to the Payments department again, then transferred to the XXXX XXXX XXXX department, where a gentleman reiterated that they don't know where my {$300.00} is and that a manager wouldn't help me any more than he has. When I requested to speak to a manager still, as I've been given different information and received NO communication in return as promised, he hung up on me. 

I called back and spoke to another agent that tried very hard to help me, but she was also told that it would " hopefully '' be back in my account tomorrow, but when I asked what I do if those pending auths don't drop off and return my money, she told me " I can't answer that because I don't know - we don't know where the money is. '' With the app tanked from the XXXX market, I can't use it to request support, my bank has assured me that the charges are pending on the merchant end and not theirs, and I have been told it can take up to 30 days for my money to be returned. I can not purchase gas to get to and from work. I can not purchase food, pet food or my medications, and NO ONE will help me, and no one from corporate has called me back as requested multiple times over the past seven days. My automatic payments can't go through, my credit score is dropping and my grocery delivery was canceled because XXXX has completely cleaned out my bank account and says they have no idea where my money is or when I will get it back.Through all of this, XXXX has been completely unhelpful and has given me different information each time I have contacted them, refusing to assist any further.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hyundai Finance refuses to give the consumer any paper title, even when the loan on the vehicle is paid off. This is a racket as it causes the consumer great hardship when wanting to sell the vehicle ( unless you go back to Hyundai or XXXX of course. ) Our situation is that we bought a new vehicle in XXXX from Hyundai in XXXX XXXX. We bought a XXXX XXXX XXXX and financed it through Hyundai as a great rate was offered through the dealership and factory. ( We did n't think anything about not getting a paper title because we had a loan on it. ) Once we paid the loan off in XXXX, XXXX, however, we requested the title. The XXXX number for Hyundai Finance said we would receive it in the mail and if any problems to just call them back. We also told them we were in process of moving, but it did not concern the customer service representative. We moved to XXXX for a job transfer in XXXX, XXXX. Our mail was forwarded, but all we received from Hyundai was a " Dear Customer '' letter dated XXXX XXXX, XXXX. It states, " Congratulations! Our records reflect that your retail installment contract, referenced above, is paid in full. '' In the next paragraph it states, " The original lien on your vehicle was filed electronically and your title will be forwarded to you by the Department of Motor Vehicles. You should contact your local Department of Motor Vehicles division for questions regarding your title if you do not receive it. '' So we called XXXX DMV, where we resided since XXXX and the where the vehicle was registered since. XXXX DMV told us our vehicle was still titled in XXXX. Upon calling XXXX, they said to fill out a form and mail to them and they would send us a " replacement title '' because the title is only electronic. I find this horrible practice by Hyundai, causing a lot of consumers unnecessary grief and confusion regarding an expensive asset. Is n't it a violation to not give the title back to the consumer, and put this all on the states and their residents? What about people who have to move for a job or military? I ca n't see XXXX or XXXX doing this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX I received a letter from XXXX XXXX stating they were sending me to collections, I had no idea what this was for so In XXXX XXXX I sent a validation letter to XXXX  XXXX XXXX Which they had already reported it to the Credit Bureaus and I was not given the opportunity to validate this debt prior to them even placing it on my credit. 
On XX/XX/XXXX I received a letter stating they'd enclosed all validation documents. They sent me statements from XXXX of a credit card account that I had with them. ( Ive enclosed these documents ). 
XX/XX/XXXX - I sent them a failure to validate letter letting them know to cease collections and remove this from my credit considering they never sent me a notice prior to placing it on my credit and there were no statements or signed agreement to this account they reported. 

I then sent a complaint in and they finally responded to the cfbp 's complaint with the actual checking account that they are reporting. In reviewing these documents, first off the amount that they have stated that I allegedly owe are ALL BANK FEES. Here 's the issue with this, I never signed an OPT-IN form. Secondly, they were charging me a $ 25 monthly service fee just to have an account with them, which this {$25.00} is XXXX initially started the account to go negative. Had they NOT charged me this monthly service fee ( which I dont know why any bank charges {$25.00} a month to have an account ) the account would have never went into the negative. My account balances were indeed low but given the fact that they initially caused the overdraft with their fee, then charged me overdraft fees on items that would have cleared, it kept snowballing with fees. They charged me {$510.00} in monthly service charges, overdraft fees, and extended over draft fees, on items that would have cleared with out their ridiculous fees. 

I work on an XXXX XXXX and am in the middle of nowhere for XXXX weeks at a time without access to bank accounts. It is obvious after reviewing the bank statements that I at no point OVER SPENT what I had in my account. On top of that, I never asked them, never signed for them to OPT me in to pay into overdraft. The signature card they sent has NOTHING about opting in on it. 

I refuse to pay any more fees to them and this is absolutely unethical what they have charged me and they need to remove this from my credit reports and cease all collections, I have included all correspondence and highlighted the bank statements to reference how their fees is what caused this and their fees is what is allegedly owed.

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 2023-01-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal email me that my account was permanently limited due to the reason they said or acusition in my account even if I'm not doing that thing. I'm not violating any rules in the platform I don't have any dispute in the platform but they banned me. I don't know why. I'm fair of using their services but they banned me. This is not fair for me. Because I'm just doing my business in a good way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: LDF Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX with Evergreen Services called me from XXXX. He called me AFTER he called my friend and mother looking for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company, OCWEN, held the mortgage on my home which I sold ( closed ) on XXXX XXXX, 2015. OCWEN acknowledged receipt of the funds to close the loan on XXXX XXXX, 2015. They informed me they would send a check for my escrow account ( {$2800.00} ) within 30 days. Despite the fact they had my new address, they claim to have sent the funds to the old address in XXXX. Since the beginning of XXXX, they claim to have cancelled that check and to have sent the check to my address on many occasions. The story is that it has been sent or will be sent and just wait XXXX weeks to receive it. It has now been 117 days since they received my close out and I still have nothing but promises. I have spoken with customer service and/or an escalation specialist more than XXXX times regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Nelnet, Inc.
State: TX
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:
Nelnet has incorrect payment history on my credit report with ALL my past loans that was consolidated. ALL OF THE NEGATIVE information is in my credit report but where there should be positive payment history it is listen as unknown on my credit report. For example XX/XX/XXXX has an unknown payment history instead of positive. Also starting XX/XX/XXXX the late payments start at being behind 90 days instead of 30. I have mailed Nelnet disputes and they replied saying that they do n't have to investigate my dispute. What they 're doing is illegal, FCRA law states that if the report contains all the negative info then it has to contain all the positive info. I 've also disputed with the credit bureaus and it still has n't came back correctly updated. It 's to the point now where I think they do n't have the files anymore. I have asked for proof and requested for an actual paper copy of proof to be mailed to me. The have computer errors that are not being coorected by a human, so I need the CFPB to get involved and actually look at the accounts on my credit report to see how badly the payment history is. I 'm requesting that ALL payment history that Nelnet has on the report to be deleted.

Company response to consumer: Closed with explanation