BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: AMERICAN ADVISORS GROUP
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have POA for my aunt, XXXX XXXX. She received mail from AAG mortgage regarding a reverse mortgage so I called them earlier this year to let them know I do have Power of Attorney and to request they stop sending mailings. The person I spoke with said the POA was noted and the request for reverse mortgage was old. I was also told no future mailings would be sent to her address. This has not happened and XXXX is receiving mailings almost daily at XXXX XXXX XXXX XXXX XXXX, VA XXXX. We are not interested in any service AAG provides and want no future contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I change homeowners insurance my new rate was way less. The insurance company along with my self on XX/XX/XXXX notified my mortgage company. They responded with they paid my old homeowner policy already. I ask why because I was still in the right time frame to renew or change. There response was they always pay 3 weeks in advance ( News to Me ) So anyway I ask them to adjust my mortgage and they gave me a run around that I actually followed by calling the suggested departments. Once in the right department ( Financial ) I was told they informed me that I'd have to wait a few days. It is now XX/XX/XXXX and still no adjustment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Funds were taken away from my account without me realizing it. I was unaware that this was happening. Never gave anyone my information about my debit card. Havent used my debit card it was locked in. I called the bank to let them know my problem they told me well get back to you in 5-9 days, since the amount was of XXXX dollars. I told them okay now I am checking my email now that 9 days have passed to see that my claim was closed and no money was given back. They did no help me at all and do not want to give me back any amount when I clearly told them it was not me. I need help because its not affair that theyre not helping me. I need my money back were not in the time for me to lose this much money when it wasnt me.

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 2021-11-02
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX Re : Loan # XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX CC : Fay Servicing XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing in regards to the above loan. My loan was transferred from XXXX XXXX loan on XX/XX/XXXX to Faye Servicing..When the loan was transferred my monthly payment was {$1800.00} & We were not behind on our mortgage XXXX  XXXX XXXX  in fact transferred the last payment that we made on to Faye Servicing We did not have a negative amount in our escrow account We had been with Faye Serving since XX/XX/XXXX in that time we fell behind from XX/XX/XXXX till XXXX XXXX payment is {$1800.00} we were due for a total of $ XXXX of XX/XX/XXXX XXXX paid all payment due from XX/XX/XXXX to XXXX XXXXWe are now due for XX/XX/XXXX As of this date Ive tried on numerous occasions to reach Faye Servicing in regards to the error on the account & correct monthly payment, to no availThis correction needs to be made immediately Please see all attached documents I requested from XXXX XXXX XXXX, in regards to monthly payment & when loan was transferred Also Ive included please see attached list of all payments made amounts & dates Which will show we are not behind & have made all payments due.. 

Faye serving is insisting that we pay {$5200.00} a month without any explanation. 

From XX/XX/XXXX to XX/XX/XXXX Total amount monthly payment is {$1800.00} 4 months due of payments We paid all 4 months for a total of {$7500.00} We are due for XX/XX/XXXX Please review this account as this is an enormous error, that needs to be rectified.. 

Regards XXXX & XXXX XXXX Sent Via Email to Faye Serving Sent Via Certified Mail #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/17 went to local Wells Fargo Bank to pay arrears. I presented my check to Cashier who tried to enter into computer with fail, at which time she asked a senior clerk to try, again to no avail. I was referred to an upper level employee, possibly the Manager or Assistant. At this time he tried to process the payment and upon being unable, called the main office in Texas I believe he said. He had a phone call which lasted a couple minutes and upon ending the call he apologized first, and told me he was not allowed to accept payment. My original Account number was XXXX and the company changed it, I called and asked questions but was told the Company changed everyone 's account numbers. This company has been shady since the beginning.

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 2019-11-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EQUIFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XX/XX/XXXXXXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XXXX XXXX  : XXXX -- -- -- >Date Opened -- -- >XX/XX/XXXX Fraudulent Inquiries : XXXX - XXXX XXXX  -- >Inquiry date -- ->XXXX XXXX XXXX  XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- XXXX XXXX  XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX  -- -- -- ->Inquiry date -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- -- >Inquiry date XXXX -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX -- >Inquiry date -- XXXX XXXX XXXX XXXX XXXX -- >Inquiry date -- XXXX XXXX  -- -- -- -- >Inquiry date -- -- XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On my billing statement dated XX/XX/18 there is a line item for " EARN TAX '' in the amount of {$35.00}. I have emailed GM Financial twice to receive an explanation of what this charge could be for and have yet to receive a reply elaborating why I have this additional fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), also I was never 60 days late ( XX/XX/XXXX ), and I was never 90 days late ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XX/XX/2023, I contacted Wells Fargo to request they send me a check for my credit balance of {$2300.00}. They said that was not a problem, and I would receive the check in about XXXX weeks. 

As of today, XX/XX/XXXX, I have called them MULTIPLE TIMES with no luck. THEY STILL HAVE MY {$2300.00}. 

The keep saying they sent a check on XX/XX/XXXX, but I do not believe them. I receive my statements from them, and yesterday I received a letter from them telling me they sent me a check, which they did NOT. 

I keep calling and now it's almost XXXX months and they still have my money. Today, they told me I have to complete a form to verify that I did not already receive the check! They will not put a stop payment on their check and issue a new one until I verify with them that I didn't receive the check AND FIND A NOTARY, PAY FOR A NOTARY AND RETURN THE FORM TO THEM. 

We all know it's ridiculously easy to find out if a check has been cashed. It's just another delay tactic for them, and they could care less that I don't have my money. 

For me, {$2300.00} IS A LOT OF MONEY. I NEED THAT MONEY AND I DON'T BELIEVE I WILL EVER RECEIVE IT. 

TODAY, THEY EMAILED ME AN AFFADAVIT THEY WANT ME TO COMPLETE WITH ALL THE INFO FROM THE CHECK THAT I NEVER RECEIVED. HOW AM I SUPPOSED TO DO THAT? THEN, THEY WANT ME TO PAY FOR AND GO TO A NOTARY AND HAVE IT NOTARIZED. I TOLD THEM TO GO TO XXXX. 

PLEASE HELP ME GET MY MONEY. 

Thank you, 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 2019-04-29
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19 I paid my credit card in full 1 day late and requested a 1 time late fee waiver of {$27.00}. On XX/XX/19 the company responded that my balance was XXXX. I did not realize that I would need to pay additional money since my balance was XXXX. I have now received a bill for over {$62.00} which included an additional {$27.00} late fee. The company agreed to waive {$27.00} however I feel that I should not have to pay either late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had log money in my account and they over charge me and took my money and I just said not banking with them no more that dont make no sense

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 2023-01-24
Company: Experian Information Solutions Inc.
State: FL
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:
The credit reporting company is reporting inaccurate information on my account. They are not following the USC 15 codes for consumers. I have called each credit bureau to have them look into the matter. I have asked for original documents for the items reporting on my account they never send them the just say that the account was verified. But as the consumer i am the only person who can verify my identity. The have refuse to remove and update any late payments which are also illegal to report. The can't legally give a consumer the choice to opt into an agreement and not the right to opt out. Legally medical records that are being reported without being verified by me the consumer. I have asked the companies who are reporting these items as well for them to be remove and they refuse to verify, i reported it to the credit bureau and was talked to very rudely and disrespectful. I have not been given any resolve and i should have a good credit score and it is keeping me from being able to live a good life and buy a house. This is defamation of character. They are reporting the wrong address, the have an employer listed who i never gave a written consent to review my personal information this is against the law. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting a debt on my credit file that I do not owe. This debt is really old and past the statute of limitation in California. I request this account to be removed off of my credit file.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # 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 furnish a account without my written instructions 15 U.S.C 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 2020-01-10
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, over 6 months I have provide a notarized affidavit, police report, and letter telling the creditors that this account does belong. No picture ID or no signature can associate me with this account. They have not provide any investigative results ; they closed the account on my credit report, but still reporting late payments 30 ; 60 ; 90 ; 150 days on my credit report as if it is still active. I am in the process in suing for defamation of character, but I wanted to show the  courts that I had exhausted and documented all my actions to resolve this fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX, I tried to open an account at a local bank for personal use. The bank clerk notified me that there was a profile already created with my SSN. The personal information associated to my SSN was not me nor anyone I knew. The clerk advised me to get a credit monitoring service in case this unknown person tries to use my information in a negative manner. 

In a panic, I sign up for Equifax ID Patrol Premier which is a Comprehensive Identity Threat Protection and Credit Monitoring service. The service is a monthly subscription of {$19.00}. My first payment was XX/XX/XXXX of {$19.00}. 

In XX/XX/XXXX, Equifax informed the nation that millions of consumers ' personal information was breached by hackers between XX/XX/XXXX and XX/XX/XXXX. They later admitted the number of affected consumers had increased. 

As instructed by Equifax, I went to their website to find out if I was affected by the breach. The website stated that I was possibly affected by the incident. I signed up for free credit monitoring service offered to affected consumers. A few weeks later, I was notified by Equifax that I would receive the XXXX XXXX XXXX  service for free for a year. 

Due to medical issues, I did not contact Equifax to inquire about my current monthly subscription for the ID Patrol Premier service until XX/XX/XXXX. I explained my situation to the first Equifax representative and asked her to explain the difference between the two services. After her explanation the services sounded very similar. I requested to cancel my monthly subscription and she did. I then asked her if I would be reimbursed for the previous months because 1 ) The country was receiving the same service for free while I was paying $ XXXX/month. Equifax did not notify their paid customers to ask if they wanted to continue this paid service. 2 ) When I came to Equifax to safeguard my information in XX/XX/XXXX, it was being hacked due to Equifax 's failure to fix known vulnerabilities with their IT systems.

The 1st representative could not help me with the reimbursement and transferred me to second representative. The second representative could not help me so I requested to speak with a supervisor. The supervisor said that it is company policy that a reimbursement can not be done on a monthly subscription. I stated that this is a special circumstance since the data breach should be an exception to this long standing policy. 

After asking to speak to someone that can assist me, she said there is no one higher than her and offered to provide the HQ mailing address to submit an inquiry. I declined the address and requested her name and badge information. Her name is XXXX, Badge #  XXXX, Nevada Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unless XXXX can show me the value I received for the {$250000.00} they took from my proceeds, it is simply theft. I paid back the full {$350000.00} total of the only two mortgages on my house in the {$500000.00} payments I made to my house since 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XX/XX/XXXX, with first payment due XX/XX/2019. I received a 'first payment letter ' and made the payment according to the directions in there from XXXX XXXX XXXX. 

I received a 'welcome letter ' from PennyMac on XX/XX/XXXX indicating the servicing was transferred to PennyMac . There is not an 'effective date ' on the 'welcome letter ' indicating WHEN the transfer was to take place. Also, the letter indicates " NO ACTION REQUIRED ON YOUR PART ''. Oh really? If i don't do anything, who is going to change the address in my bill pay to the new address? This is a misleading statement because in fact, action is required-records need to be updated to reflect the new payment address at PennyMac as opposed to the address for XXXX XXXX XXXX. 

Speaking of addresses, the 'goodbye ' letter from XXXX XXXX XXXX indicates " Send all payments due on or after XX/XX/2019 to the below address ''. While this is great as a cutoff date is provided, the address to send payments to is different than the payment address on the " welcome '' letter from PennyMac. How is a consumer to know which is correct? 
After spending 20 minutes on hold at PennyMac, the woman explained to me that the address on the 'goodbye ' letter was a 'correspondence ' address. Well, if it is a correspondence address, why does it say 'send all payments ... ''? Her response was along the lines of 'well yeah, but it is a correspondence address '. That is SO enlightening and helpful! Her instructions were to use the address on the 'welcome ' letter to send payments.

Company response to consumer: Closed with explanation