BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting 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 information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXXXXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them 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 2024-01-18
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am a 100 % XXXX us veteran who filled out a XXXX in the state of Michigan to be exempt from property taxes my mortgage company will not honor it even though I have the documentation proving exemption and XXXX, they're charging me taxes on my loan and will not honor the state law.

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 2024-01-19
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX, I requested information from Freedom Mortgage regarding the criteria and information needed to cancel the escrow account on my mortgage. I recently had a XXXX to remove PMI that put the XXXX of the loan below 80 %. When I received the requested information from their Customer Care representatives, multiple times I was told that the XXXX of my loan was now below 80 %, that I met all criteria to cancel escrow on my account, and multiple reps confirmed that if I requested removal of escrow, it would be successful. 

I then spent significant time gathering the requested information and completing the forms to request cancellation of escrow based on the information provided to me by Freedom Mortgage representatives and submitted the request in XX/XX/XXXX. 

On XX/XX/XXXX, I received a document in the mail stating that my request was denied due to XXXX of the loan not meeting the required 80 %. I called the Customer Care center again and was transferred between multiple representatives who did not know how to help before I finally reached a representative who informed me that the XXXX could not be used for consideration of XXXX for removing escrow and that they would only use the purchase price for XXXX calculation. This directly contradicted the information provided to me by multiple representatives on previous calls and led to significant wasted time by me calling in, waiting on hold, and filling out forms all based on incorrect information provided to me by Freedom 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 2024-01-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
PenFED is my mortgage and XXXX  XXXX. They failed to provided XXXX XXXX XXXX  when requested in 2022 and most recently falsely advertised the offering of natural disaster loans. XXXX XXXX XXXX PenFED was notified of a natural disaster that has caused significant damages and losses to my property but told me by phone on XXXX separate calls that they do not offer the 7.99 % natural disaster loan offered on their website.

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 2024-01-10
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Subject : Urgent Assistance Needed : Misleading Information and Financial Struggles Due to Car Purchase I hope this message finds you well. My name is XXXX XXXX XXXX. I am writing to address a concerning situation since I purchased a vehicle from your dealership ( Own a Car in XXXX ) in XX/XX/XXXX, with XXXX XXXX as the sales representative. 

During the purchase process, XXXX XXXX assured me that I could refinance the truck within six months, a crucial factor in my decision, as I needed the vehicle to assist my daughter in moving to XXXX for college. Unfortunately, the information has proven false, leading to significant financial strain. 

The interest rate on the loan is excessive, resulting in monthly payments of {$1500.00} and a current payoff of {$43000.00} as of XX/XX/XXXX. Despite my efforts to explore refinancing options with various banks, I have encountered significant challenges. The loan amount is mismatched with the actual value of the truck, making it difficult to secure a more reasonable loan or refinance. 

I have also attempted to explore trading in the vehicle, but this has resulted in negative equity. Regrettably, both XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance, the loan company involved, have not yet cooperated in finding solutions to lower the payment and percentage of the loan. 

I am reaching out to find an amicable resolution to this matter. I aim to secure a loan of at least {$800.00}, providing some relief from the financial burden imposed by the current terms. I am open to discussion and negotiation to find a fair solution for both parties. 

I request your attention and assistance in resolving this matter promptly. Your cooperation is crucial in alleviating the financial strain I am currently facing. I appreciate your prompt attention and look forward to a positive resolution. 
My current percentage is 26 % ; a banker said it is like a credit card percentage. 

Humbly, Sincerely, 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 2024-01-10
Company: REGIONS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Most banks are frauds with duplicitous dealings. I have filed an ID theft report and will file a police report in due time for the ID theft to hopefully ultimately determine and catch the perpetrator. Regions Bank is of no help and only serves to harass me. I already filed a complaint with the XXXX to contact them with the resolution of not contacting me about a fraudulent account. I am sure they will do their best to craft and intricate lie in response to this complaint while ignoting the XXXX  complaint. I am paying a lawyer an extensive amount to clean up the ID theft and don't need to waste resources on some subpar regional FI who can't even comprehend the factors and steps involved for a true property rights claim. Maybe, like most banks, they can " legally '' steal someone else 's money who is more unsuspecting.

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 2024-01-10
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Newrez purchased our home loan from XXXX XXXX XXXX a few months ago. Since then, Newrez has been drafting mortgage payments, as well as sending us monthly statements. I'm trying to manage my loan online w/ Newrez, as well as obtain my 2023 Form 1098 for my tax filing. Newrez website does not recognize my loan number, even though its printed on my statement. All phone numbers on all communications from Newrez are unreachable from my cell. I've called dozens of times and the message always says the call can not be completed as dialed. I've emailed Newrez multiple times asking for help, and I've never received a response. Their main number is XXXX. Their email address is XXXX. I want to make sure my loan is being serviced by a legitimate company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The fraudulent account in question was apparently established with the intent to deceive unsuspecting individuals seeking a rental property. Unfortunately, this deceitful act has not only caused financial loss to potential tenants but has also tarnished XXXX XXXX 's reputation. We suspect that the perpetrators took advantage of the current situation, exploiting the chaos and uncertainty caused by the pandemic.

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 2024-01-10
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried to open an account with XXXX XXXX : Mobile Banking by First National Bank of Omaha thru their app on XX/XX/2024 and was denied. 
The reason it was denied is because it did not meet the bank 's requirements. 
" The bank requirements encompass several determining factors, including, but not limited to, personal information discrepancies or an inability to validate identity. '' When I reached out over the chat thru the app to ask for the detail of the discrepancies or which of my identity was invalid so it can be corrected, the bank unable to share that information due to privacy reason. 
It seems like their decision is final and nothing can be verified or corrected.

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 2023-12-03
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX checked all three of my credit reports and noticed some fraudulent accounts in inquiries appearing all all three of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: Payward Ventures Inc. dba Kraken
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I wish to practice my right as a customer of Kraken to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Kraken Commencing on or about XX/XX/, I fell victim to a multi-layered scam operation run by XXXX, under the domain name XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken account to fraudulent investment firm ( s ).

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 2024-01-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It's personal information that doesn't belong to me on my report. And its also non mailable addresses on my report that's not mine.

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 2024-01-10
Company: MicroBilt / PRBC (formerly CL Verify)
State: WA
Product: Credit reporting 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:
There are unauthorized inquiries on my report

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 2024-01-10
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting 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:
I checked my credit report and i saw 2 inquires from the same lender and with one year o difference : the first XXXX XX/XX/XXXX from SYNC/PAYPAL, and the second XXXX XX/XX/XXXX from SYNC/PAYPAL again ... i sent several letters for the removal inquires that i did not remember and did not authorized, as you can check i do not have any products with them

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 2023-12-03
Company: Credit Karma, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
For almost 6 days been trying to get XXXX money from VA TREASURY thru my credit karma account ive allways had and they refuse to acknowledge any funds in the accound and that my trace ID # is too long over 15 digits and no info on my old account and why it isnt in the new account or why i cant get an answer from using my trace id to loacate funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My mortgage company ( XXXX ) over-charged my escrow account by $ XXXX per month for the past year. We stopped making payments and are a few months behind. 

In XX/XX/2023, XXXX sold my mortgage to Roundpoint. 

I asked Roundpoint for an escrow analysis and they said they can not do one on an overdue mortgage. They confirmed they paid our 2023 taxes, which leaves us with a $ XXXX escrow overage. 

Roundpoint told me that I have two options to get an escrow analysis : 1 ) Pay the incorrect past due amount in full.

2 ) Agree to a loan modification based on the incorrect past due and incorrect monthly payment.

How is this even legal?

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 2024-01-10
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
did not provide adequate payment information in detail, respa requires more detail, to customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I made a wire transfer from my XXXX account to XXXX XXXX account with Citibank as the intermediary. Due to a typo there was an issue with the wire and it was returned by Citibank with {$40.00} missing. 

I reached out to XXXX who refunded all of my outgoing fees, but said this {$40.00} was an unauthorized fee by another bank. 

I reached out to XXXX, who never saw this wire and, therefore, said they are not a party to this transaction. 

I reached out to Citibank, who absolved themselves of any responsibility because they claimed to be only an " intermediary, '' and I am not their customer. 

After further research with XXXX and XXXX, they both confirmed that Citibank had taken this fee. 

Citibank has essentially stolen this money from me, and I would like it returned with interest. 

Proof of this is included as attachments.

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 2024-01-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Both Wells Fargo credit cards were hacked and used by someone other than me and without my knowledge or permission. I have stated the cards were in my posession at the time this occurred and the claims letter said that since I had them they were all authorized charges. This is a problem that Wells Fargo is well known about. They deny all claims and attempt to place the consumer at fault. I did NOT use my cards nor authorize ANYONE to use and or make ANY transactions with them. I want this resolved in a timely manner short of having to get the courts and news agencys involved. Wells Fargo even stated the charges were not normal for me. Then why did they allow them to go through?

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 2023-12-27
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I asked to speak with a current lender and was given the run around. Im an authorized party, not on a note, not in debt, but an unidentified lender is foreclosing on my property XXXX XXXX XXXX XXXX XXXX  and refuses to speak with me and work it out. 

XXXX XXXX XXXX XXXX Please see additional documents received in the mail today, pertaining to this mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is an account which Ive had for over 20 years Ive always had it on auto pay hence why there should be no late payments on this account however it shows XXXX XXXX days late. Even though the account has been closed now Ive contacted the company on numerous occasions to get this record corrected but they have refused. Ive also requested an accounting of my payments from the day my account was opened so I can verify that I have never been late. 

Also under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit account as late.

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 2023-12-07
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 15 direct loans. I requested that MOHELA place all my loans on the SAVE plan on XX/XX/2022. MOHELA did not place loans XXXX on the SAVE plan. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my loans be placed on the SAVE plan. Each time, they tell me that my loans are " not eligible, '' but will put in a request to be put on the SAVE plan because they are direct loans. On XX/XX/XXXX, I put in a request to be put on SAVE through FSA. MOHELA " cancelled '' that request. 

I am entitled to the SAVE plan. Loans will come due soon, and MOHELA is forcing me to pay more on my loans than is necessary by keeping me on the level repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation