BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife & I refinanced our house for a 15 year mortgage through XXXXXXXX XXXX XXXXXXXX which was great. They said we could pay off out home in 12 years if we paid Bi-Monthly in which we took advantage of. Our new Mortgage Payment with Taxes & Insurance came out to {$1500.00} a month. Our bi-monthly payment was {$770.00} every 2 weeks. 

Citizens One Mortgage bought out our loan after two months. In the begging they tried saying I owed something like {$2000.00}. I said I pay on time every two weeks. If there is any money outstanding then XXXX has my mortgage money. Now again, Citizens One Bank is accusing me owing over {$3700.00}. I have been paying Citizens One every two weeks like clock work to pay off my home mortgage faster than 15 years. They also are trying to automatically raise my Monthly Mortgage Payment from {$1500.00} to {$1800.00} a month which isn't the new monthly payment that I refinanced for with XXXX. I have proof of physical documentation for my new refinanced monthly payments. 

I have never ever missed a mortgage payment in 30 years. Citizens One is collecting my mortgage payments and not applying it to my home loan. I have called into Citizens One and got a Customer Service Rep that I didn't get anywhere with one the telephone. I told the CSR that I show my bank payment history to Citizens One Mortgage with every single payment to them with no missed payments. I even told the CSR that you just received another payment from my bank the day before. I was on hold for a very long time waiting to speak to a Mortgage Supervisor. The Citizens CSR told me that he would have a Supervisor call me back that same very day. Until now, no Supervisor has called me back from Citizens One Mortgage. I want to make a federal complaint against Citizens One Mortgage taking my money and not applying it to my Home Loan Account. I want them to be held accountable for and late fees, missing principal payments to my home loan. I also want them to be held accountable for any credit reporting errors on their part. I have excellent Credit History built up and I don't need it destroyed by their horrible accounting records. I have never ever had any problems with a Mortgage Company like this in 30 years of owning a home mortgage. Please hold Citizens One Mortgage accountable for their very bad records. Most of all they keep taking my money every two weeks from my bank as I have a recorded history of payments to Citizens One Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2014 I made a principal payment ( {$300.00} ) that Wells Fargo put in unapplied funds. On XX/XX/2014 a regular mortgage payment ( {$560.00} ) was made. Then on XX/XX/2014 they applied the extra payment to the balance ( {$94000.00} ) after the regular payment. It should have been applied to the balance ( {$94000.00} ) before the regular payment. Wells Fargo says they can't go back but 90 days. If I made a mistake Wells Fargo would go back 90 days! Where's the accountability?

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 2018-10-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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/2018 a order was placed to XXXX for the amount of XXXX. Two days later the item was delivered in which my signature was forged and someone stole the item. I filled a dispute with XXXX XXXX who is XXXX XXXX and provided them with a police report as well as a Identity Theft report and they refused to remove the charges. They also closed my account without notifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax. com and myequifax.com do not allow me to log in to my account if I don't pay them, when it is free to access, they blocked my account to have access to it, even the basic feature they block me using it such as freezing lock and unlock my credit report, and they only let me access to my credit report or have online access to lock and unlock my credit, only when I pay them monthly membership. I have sent in mails 8 times to verify my identity and they still dont give me free access unless I pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving weekly voice messages from caller stating she is XXXX XXXX attempting to find location information about XXXX XXXX, call back # is XXXX, extention XXXX. This problem apparently is occurring with my tenants whom share the same address. We do not know this XXXX XXXX person nor have any association with this company. Obviously this company is utilizing open source searches to connect anyone whom may have nexus to the debitor, and keep on contacting unrelated persons until they find Ms. XXXX. 

Attempts to contact the phone number provided, they ignored our request to remove our number from their calling list, these phone calls & voice-mails continue. Last contact was yesterday, XXXX, at XXXX. A search of XXXX came back to Alliant Capital Management, a debt collection agency. Caller ID shows these calls are from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a victim of identity theft

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX but it was not given a proper investigation.

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 2020-06-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I purchased an item on XX/XX/2020 via PayPal. As of XX/XX/2020 I have not received the item from the seller. I initiated an investigation with PayPal on another matter regarding the item. I advised PayPal that I was no longer interested in the item and contacted the seller to get a full refund. Furthermore, they advertised one price and charged me another. The seller apologized for the error and said they would make the adjustment, which never happened. I told the seller I just want a refund. PayPal does not have a way for consumers to speak to a live agent. They have a chat but the response time takes hours. I advised PayPal on XX/XX/XXXX I did not receive the items via their Resolution platform in the form of a message. The seller is suppose to have 10 days to respond. PayPal gave the seller additional time to respond and has not refunded my money back. According to a letter from the seller the item was shipped out on XX/XX/XXXX. They changed the category of my message and declined the claim. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with a company a called affirm when i opened up the account i had a the folowing phone number XXXX got two loans from them first one was XXXX and was pd on XX/XX/XXXX. i obtained another loan in XX/XX/XXXX and pd off that account on XX/XX/XXXX amt pd XXXX. I contacted affirm to try to obtain a new loan in XX/XX/XXXX but my phone number from had changed when i obtained the loan my phone number was XXXX now i had a new number I had notice there was another persons information on the account by the name of XXXX. I tried to update my information but the app was not user friendly i tired call affirm and update the information they asked me to update my email first then they would be able to assist me which i did XXXX. As soon as I did that with the company. I received a collection letter from XXXX dated XX/XX/XXXX for the amt of XXXX for a purchase they said i did XX/XX/XXXX and i received another letter from AFNI charges in the amount of XXXX they stated these charges XX/XX/XXXX. I told them I did not make these purchases they still sent me to collections and it is now being reported to my credit ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or around XX/XX/XXXX I was traveling on a flight to XXXX, NE. When I landed in NE I attempted to schedule an XXXX only to find out my credit card was being denied. I then called Chase Bank where I had been a card holder since XXXX with two cards by Chase Bank. I had a XXXX XXXX and a XXXX XXXX Rewards Card. When inquiring why my cards were not working they stated " After careful consideration, we closed your credit card accounts on XXXX, XXXX, XXXX, because our affiliate is ending their banking relationship with you '' I stated that must be a mistake, my wife and I have perfect credit, we have paid our card in full every month for 15 years, we have no debt, and no one had stolen our identity. I proceeded to ask questions and they would not help me, transfer me, or answer any questions. I asked what I needed to do to rectify the situation and they stated you can not do anything we have ended the relationship. I tried several times after that calling customer service with no success and frankly they were very rude for a customer that has been loyal for 15 years. Then, approximately 10 days later we received a letter in the mail form Chase bank confirming what I have state above. I next tried calling both Marriott and XXXX both of which had never heard this before. They apologized but stated there was nothing they could do. I am frustrated as they will not explain " why '' my card has been terminated and I can no longer participate in the points system that is offered by the companies. I would like an explanation from the company as to why this has happened when I have held up to my end of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Existing account Fraud. On XXXX/XXXX/17 someone fraudulently accessed our Navy Federal Credit Union ( NFCU ) savings account online under my wife 's name utilizing her our account number, her date of birth and social security number and transferred to another NFCU member in the amount of {$3700.00}. The name of the member money was transferred to is XXXX XXXX XXXX. This person was able to establish account access even under an obvious fraudulent email address of XXXX. We do not know this person or have an affiliation with this person. We reported the incident within 2 hours after the transfer occurred as it was brought to our attention that NFCU had froze our account. We went to the nearest NFCU branch at XXXX XXXX, MD and reported the fraud to them and our complaint was submitted to NFCU Fraud Department under Fraud # XXXX. Since then we have closed our savings and checking accounts and have established new accounts. In addition we received new credit and debit cards. When calling to check on the status of this investigation with NFCU we get the same answer over and over, that is it is pending and will take 10 business days. Well it has been 10 business days and we have not received any updates to this investigation and have not received any of the {$3700.00} dollars that was fraudulently taken from our account. I 've asked to speak with NFCU security and the investigator assigned for updates only to be told that they are not available and that the status is pending. Having been a member with NFCU for over 20 years this kind of treatment and refusal to give me more information regarding this is beyond comprehension and frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: PNC Bank N.A.
State: TX
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:
On XXXX XX/XX/2021 PNC Bank approved an obviously fraudulent transaction from a subprime auto lender I do not have, and have never had, any business or financial relationship with. As of end of business XXXX XX/XX/2021 I can get no response from PNC Bank, not even the transaction number so I can address the fraudulent charges with the subprime lender XXXX XXXX XXXX XXXX XXXX, TX. While I do not expect immediate resolution, I would have expected PNC to at least pretend they cared about fraud against their customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
bank america closed out the wrong account when changing my sole prop to a LLC which caused 3 to 5 return checks XXXX  was a company that took one of the checks they closed my account b/c of bank of America error Now XXXX refuse to reopen the account Can you tell me how is this fair?

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 2021-04-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently closed on an Ally XXXX XXXX Mortgage for a Refinance. During that time, I had suffered damage from the XX/XX/2021 XXXX Storm in Texas. 

I received a check from my insurance company, XXXX, in the amount of {$34000.00}, Check # XXXX for XXXX XXXX : XXXX. Due to Ally having no branches, I was unable to obtain endorsement. 

On XX/XX/2021, XXXX XXXX XXXX Ally Closing Expert ) suggested that I could deposit the insurance check via mobile deposit meanwhile, I wait for the Authorization Form to be sent to XXXX However, he requested that I wait until the Authorization Form was completed and sent out. 

On XX/XX/2021, I chatted with XXXX XXXX Ally Customer Service Representative ) and she stated I can deposit the check with no issue. 

On XX/XX/2021 at approximately XXXX XXXX, I spoke with XXXX XXXX XXXX Ally Closing Expert ), who stated that the Authorization Form was awaiting the signature of XXXX XXXX XXXX Ally Post Closing Manager ) and that I can now deposit the insurance check. 

Shortly thereafter, I deposited the insurance check via mobile deposit. 

On XX/XX/2021, at approximately XXXX XXXX, I received an email, stating that Ally could not complete the deposit, Deposit Reference # XXXX. It cited the following reason : " We weren't able to complete this Ally eCheck Deposit because we require that you mail in travelers checks, money orders, and postal money orders. '' It then provided an address to mail a check. 

The insurance check is not a travelers check, money order, or postal money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account : XXXX XXXX XXXXXXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Experian to correct some information in their reports. I can not dispute online. Their website does not allow me to do that. It gives phone number. The agent helping me advises me to do it online. I said to her that i can not do that because I spent time already by waiting over the phone. She did not accept my dispute to remove fraught alert over the phone. I had to go to their website again to upload files. There is clear information on their website. their website is not customer friendly. it is like built for not helping to people including their phone system. Their voice recognition on the phone is not working properly. It is again like built for not helping to people. Their website is too limited. It is so difficult to upload documents. When you upload, the size of the document should not be more than 15 KB. if it is bigger than 15KB, you have to resize it first and then upload. When you try fixing the size of the documents and upload it, it is kicking you out of the entrance dispute form. In that case, each time you have to start from the beginning. Fill in the form and upload again. The capability of their website is so limited and after a few times it is not accepting anything and advising you to mail the documents. What is this? They charge so much money. They use our information to make money like credit card referrals all the time and advertisements. They cause for data breach all the time and we have to deal with this silly website. This is very greedy that they are taking so much from us and not giving anything. I urge you to advise these companies to serve better to us. 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 2021-10-12
Company: Peer Advisors, LLC
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My wife passed on XX/XX/XXXX with no will, so Probate has to be done. She signed Reverse Mortgage XXXX. We married in XXXX therefore Servicing Company states that I am a non-eligible spouse to purchase a loan within 30 days of death. Has requested documents from me to prove Nevada law that spouse can assume property rights of deceased wife. Has requested a " for sale sign '' by the owner to be placed in the yard even though I am not recognized as an " owner '' by the loan servicer. Sent letters dated 2 weeks back stating 30days started at the writing of the letter. Communication via email or phone replies is stated to be 10 business days between communications. and not to send or reply twice. Have secured court date for probate but is an outside window of time given by Loan company CELINK. COVIN has changed normal business practices that used to take just a few days has changed access to courts to weeks. All I am requesting is 90-day extension to allow the new loan to be obtained via VA but the answer is no. The law was changed in XXXX for spouses but this company is not giving due to families to actually pick up the pieces prior to foreclosure. This was stated FORECLOSURE would be started 15 days prior to the 90th day in order to assure foreclosure to happen on time.

Company response to consumer: Closed with explanation