BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XX/XX/XXXX, I submitted refinancing loan applications for two properties ( Cottage 1 and Cottage 2 ) with Citizens Bank, which holds the existing mortgages on both properties. I paid for {$480.00} each for appraisals on both properties. The applications were taken by Mr. XXXX XXXX, a Citizens Bank representative. After submitting all the necessary documents needed for the application process on both loans, I waited to hear from Citizens. I received occasional emails from Citizens asking for more documents, which were provided in a timely manner. I also exchanged emails with Mr. XXXX on several occcasions regarding the status of the loans. I have 2 other properties ( not the ones being refinanced ) which were in forebearance, and mentioned this to Mr. XXXX. I was advised by Mr. XXXX that it did not matter that it would be ok so long as the loans in forebearance were not the ones being refinanced. After several months of not hearing from Citizens, I contacted a Ms. XXXX XXXX, in Rhode Island, a Citizens loan officer, who advised me, by email, that the underwriters had approved the loan and that they were working on getting an approval letter sent to me. Sometime in XXXX, I received an email denying my loan on Cottage 1. The denial letter was not very specific, so I called Citizens and spoke with a Mr. XXXX XXXX XXXX ( XXXX ). He advised that the loan was denied principally because two of my other home mortages were in forebearance, and stated I had to get out of forebearance and have three months mortgage payments made on said other properties since then to qualify for the refinance. I advised MrXXXX XXXX that the loans had been removed from forebearance since XXXX, and that payments had been made for two straight months. He advised to pay off the third month ( XX/XX/XXXX ), and then I could reapply. He said he would discuss the matter with Mr. XXXX to see what could be done. I informed Mr. XXXX that had Citizens informed me before the denial of this contingency, I could easily have cured the defect and we could have avoided a denial. Since then and to date, I have heard nothing more from either Mr. XXXX or MrXXXX XXXX as to the refinancing application for Cottage 1. As to the refinancing application for the Cottage 2 property, I have heard nothing at all for about 3-4 months. I have not received a letter of denial, nor whether it is still being processed. Yet, I paid for an appraisal fee but have received nothing but silence from Citizens regarding Cottage 2 application, nor what has happened to my desire to continue with the refinancing application for Cottage 1. I have complied with all that Citizens has asked of me and yet I receive no feedback or information from Citizens on both loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2022 XXXX XXXX was seeking Rental options. Her current lease at that time was expiring in XXXX XXXX XXXX. Using the XXXX market app as her primary resource. Like many social media apps, her new searches generated the XXXX for additional renal postings. Allowing her to be targeted by potential scam listings. 
After a few inquiries she was contacted via email. The owner of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX by the name XXXX. XXXX XXXX. They corresponded and agreed to a lease. Copies were sent via email. The owner was unavailable to show the house. The lease sippulated she was to send a deposit via XXXX XXXX  The lease stipulated the deposit was required to obtain the keys. The deposit funds were fully refundable should the leaser feel the home was not to her liking. 
Using caution, she inquired additional information from her bank before initiating the XXXX XXXX XXXX  The app is generated through Wells Fargo. Both Wells Fargo and XXXX company have anti fraud protection clauses on their websites. 
The money was funded using her debit card to fund the XXXX XXXX XXXX She sent the funds on the same day. Confirmed by reference number XXXX A week later she still had not received the keys or the requested paper lease documents. A search on the provided XXXX XXXX tracking number revealed the package slip was generated and paid. But not sent per customer request. It had become apparent she was the victim of a fraudulent offer. 
She filed a complaint/ dispute with Wells Fargo XXXX Claim number XXXX On XX/XX/2022 she received a denial letter from Wells Fargo claims dept. The investigator stated Wells Fargo is unable to track or refund any XXXX XXXX transactions. Full disregard for Wells Fargo anti fraud policy. Nor would she take accountability for the case as a debit card transaction. 
She received the same reposes when attempting to contact XXXX customer service directly. 
A complaint was filed through the FBI for cyber crime violations. Currently under 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal request to you that I would seek for your assistance in correcting the accounts but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$50000.00} XXXX XXXXXXXX Balance : {$810.00}.

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 2024-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Being prejudice judging me off, data collected from other credit, reporting agencies, 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805. Title 15 subsection title 1611 faults, misleading denial of my own credit violation of my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX RE : M & T BANK QUESTIONABLE UNETHICAL BUSINESS PRACTICES Residential Mortgage Loan Pay-off Date : XX/XX/XXXX M & T BANK ML # : XXXX LIEN RELEASE INSTRUMENT # : XXXX DATED XX/XX/XXXX County / State : XXXX County, NV Dear Consumer Finance Protection Bureau Support : Subsequent to the above-mentioned mortgage loan pay-off, we requested the stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument numerous times without success. All required Residential Mortgage Loan Pay-off fees/charges were paid in full through Escrow, XXXX XXXX XXXX XXXX XXXX ( File # XXXX ) as of XX/XX/XXXX. 

On XXXX ( @ XXXX XXXX PDT ), XXXX of the M & T Bank Residential Mortgage Department ( XXXX ) disclosed that 1 ) pursuant to State Law , M & T Bank must record the pertinent Lien Release within 30 days of the mortgage pay-off, 2 ) M & T Bank will NOT provide us with a copy of said Lien Release and 3 ) we must contact the XXXX County Clerk directly to submit the appropriate fee ( s ) to acquire said copy of the Lien Release. 

We have purchased and sold numerous real properties since XXXX and never had this situation occur whereby a lender & /or the assigned mortgage loan servicing agent does NOT provide the above-mentioned items upon mortgage loan payoff. 

Kindly assist us in our efforts to acquire the above-mentioned stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument. 

M & T BANK Contact Information M & T BANK Residential Mortgage Loans XXXX XXXX XXXX NY XXXX XXXX M & T Bank Headquarters XXXX XXXX XXXX, President and Chief Operating Officer XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Thanking you in advance for your responsiveness and assistance. 
cc : Complaint Submitted XXXX of XXXX  New York XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 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
Consumer complaint received 2023-08-28
Company: Nelnet, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Firstmark by e-mail on XXXX XX/XX/2023 regarding outsanding balance and payment history they were reporting for my privae student loan. I explained they'd been reporting incohate payment history, ie payment history for a future month, and a balance history that was ten ( 10 ) times what it should be. The representative, XXXX XXXX respnded via e-mail on XXXX XX/XX/2023 and acknowledged the incorrect payment history. She and performed an off-cycle update for the account on XXXX XX/XX/2023. XXXX received the update for the FM/Firstmark Serviced Trust account/tradeline on XXXX XX/XX/2023. XXXX notified me of the off-cucle update on XXXX XX/XX/2023. According to the data transmitted, the account is now allegedly ninety ( 90 ) days past-due from the off-cycle update on XXXX XX/XX/2023. Although Firstmark has consistently mailed my statements to addresses that I do not live at, and that change form every two months ( see CFPB complaint XXXX ), Firstmark 's own system alleges payments on the account have been made through XXXX XX/XX/2023. The due-date established under CFPB interpretation of TILA/Regulation Z appears to be the XXXX ( XXXX ) day of each month. In examining the statement generated on or around XXXX XX/XX/2023, the alleged statement due date is XXXX XX/XX/2023. Thus, the payment history furnished is false/misleading/inaccurate because it implies a delinquency history that would not have occured by the due date of the statement. This seems to occur each time I file a dispute with the CRAs regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent inquiry dated XXXX. I asked the inquirer ( XXXX XXXX ) and the credit bureau ( Equifax ) to remove this fraudulent inquiry. Both parties have disregarded the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Police report was file on my behalf and need updated information listed but no help with all 3 beau.

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 2022-05-14
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Last year PNC bought my bbva credit card. I have Not received any statements from PNC. When I called in XXXX they manually generated one and said they would send more, that is the only statement I have ever received, they claim they sent them and it must be the post office, this is not believable that I would receive one manually generated statement and no others for almost one year, I have called multiple times with no resolution, I call every month to make a payment by phone only then finding out my minimum payment due. I asked for an address to send a written notice of billing errors and they claim they have no such address for billing claim errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
IVE APPLIED NUMEROUS TIMES AT WELLS FARGO BANK TO OPEN AN ACCOUNT, TO GET TOLD I CANT, THEY ARE A SECOND CHANCE BANK, IVE NEVER HAD AN ACCOUNT WITH THEM, NOR DO I OWE THEM ANYTHING. I WOULD LIKE TO OPEN AN ACCOUNT WITH THEM, PLEASE HELP. THE INFORMATION I TRYED TO OPEN THE ACCOUNT IN IS AS FOLLOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Re : XXXX XXXX XXXXXXXX XXXX  XXXX Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( 1 ) XXXX XXXX XXXX of XXXX, TXXXX, and ( 2 ) XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX was provided too XXXX XXXX and XXXX XXXX, in XXXX of XXXX!! 

As the car finance company, XXXX XXXX proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX. 

My XXXX XXXX XXXXXXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop. 
Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) CVT slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway. 
XXXX XXXXXXXX XXXX XXXX CVT transmission. 

Despite XXXX recalling XXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly XXXX model-year XXXX XXXX XXXX due to Bad transmission. 

In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!! 

XXXX recalled nearly XXXX model-year XXXX XXXX XXXX  due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. 
During late, XXXX and early XXXX, my XXXX XXXX transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator. 

I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX  XXXX. This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX transmission with the fix reprogramming of the XXXX XXXX XXXX ( XXXX ). 

XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH. 

During the last 6-plus years, XXXX XXXX reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX AND XXXX XXXX and I do not have a contract with CMRE FINANCE plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
A balance transfer at 0 % apr, called XXXX in my statements ( {$4200.00} ) expired on XX/XX/XXXX and went to XXXX XXXX. I made a payment of {$4200.00} on XX/XX/XXXX which should have avoided any interest being charged to my account but citi have been charging interest in every statement since then. I have attached statements from XX/XX/XXXX - XX/XX/XXXX. I called citi several times but they did not help. Please review, 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 2024-01-13
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was obtained without my consent.

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 2018-11-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they send back a copy of my credit report and a statement that says : " Our investigation of the dispute ( s ) and/or other request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to verify the accuracy of the information and provide us a response to your dispute ''. 

I have sent a total of 4 letters to them over the last few months. The account has not been verified or removed from my credit report. I have not received any documents or other information that proves the accuracy of the account as I requested.

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 2024-01-13
Company: BARCLAYS BANK DELAWARE
State: ND
Product: Credit 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:
I noticed on my most recent Barclays XXXX XXXX statement dated XX/XX/XXXX a charge for {$29.00} for XXXX XXXXXXXX XXXX XXXX that was not authorized. I contacted XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and asked about the charge and I was told it was a monthly charge for unlimited car wash. I informed the girl from XXXX XXXX that I didnt sign up for a monthly car wash and she told me I signed up in XX/XX/XXXX and they had been charging me monthly for the service since then. I told her I only authorized the {$10.00} charge on XX/XX/XXXX for the car wash -I hadnt authorized anything else. She told me she would cancel the monthly subscription. I requested credit for XXXX months worth of transactions they had been charging me without authorization ( XXXX XXXX ) and she told me she could only credit me for XXXX months worth. I said that was unacceptable as I didnt authorize any transactions but the {$10.00} on XX/XX/XXXX. I then contacted Barclays billing disputes and spoke to someone regarding this and she said that since the merchant said they would credit XXXX months, she would dispute the remaining XXXX months unauthorized transactions. On Wednesday, XX/XX/XXXX, I received a letter from Barclays disputes department saying they were unable to obtain credit on my behalf because they did not receive the notification within XXXX statement cycles after the charges appeared on my monthly statement and they are past the timeframe to assist. I called Barclays disputes department that same day and spoke to a gentleman and told him the charges were fraudulently made by XXXX XXXX XXXX XXXX so asked how I would know to notify them within XXXX statement cycles? He said they are unable to assist so I requested to speak to a supervisor to which he took down my number and said I would receive a call back in XXXX hours. I never received a call back. I am contacting you in hopes that you can assist me in getting my money back for the fraudulent charges Barclays paid the merchant with my credit card. Your attention to this matter is much appreciated. 

Sincerely, XXXX XXXX Dispute case # s for unauthorized transactions are : XXXX XXXX XXXX XXXX XXXX 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