BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-19
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bridgecrest Credit is currently reporting that my account is past due. This is incorrect. It is delinquent because of an error that they made. My pay-dates changed, and I advised them to adjust my payment schedule accordingly. Despite requesting the change, they did not adjust the payment schedule resulting in the problems with the payment. They know its their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a business account with XXXX and had my first point of sale in XX/XX/2020 for {$4200.00}. My account was and funds were suspended because of the sale amount. I was notified that my account was being suspended indefinitely and that my funds would be on hold and available in XXXX. I contacted XXXX support via their platform and have not received any response. I have attempted to contact them by, phone, email and chat but because of the platform and they've suspended my account I not provided a direct communication channel with support to get my funds transferred to my bank account. I have {$4200.00} being held hostage and Im not getting any response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This complaint is against the company XXXX. 

On XX/XX/XXXX I noticed that my account was hacked. Three payments were sent without my knowledge or consent, they were sent to someone whom I don't know and have never met. The payments were as follows : 1st payment : {$1500.00} 2nd payment : {$1000.00} 3rd payment : {$480.00} After seeing these payments I looked further at the app and noticed that someone had registered another person 's personal checking account and had used that account to make the payments. ( The payments were never taken from my account ) I immediately reported to XXXX   that my account had been hacked. On XX/XX/XXXX I received an e-mail from the account specialist department at XXXX. In summary they said that there is no evidence my account had been breached, that my activity was deemed highly risky, and that my account has been permanently suspended and frozen. 

At this point I attempted to transfer the {$230.00} of my personal money that I had stored in the XXXX account to my personal checking account that is linked to XXXX. I was not able to do this because my account was frozen. 

I sent another email to XXXX  insisting that my account had been breached and that I want my {$230.00} transferred to my bank immediately. They sent me a final response via email on XX/XX/XXXX again insisting that there is no evidence of my account being breached. 

On XX/XX/XXXX I called XXXX  customer service in attempts to get my money back. They concluded by saying my account has not been breached, they received a loss for the three payments that were sent to this unknown person, and as a result my {$230.00} is no longer available. They suggested I file a police report to get my money back from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing was sold to US Bank shortly after I purchased my home in XX/XX/XXXX. FIRST COMPLAINT : I have always paid my mortgage on time, never any late fees. Then, in XX/XX/XXXX, they began charging me {$25.00} in processing fees if I did not pay by the XXXX of the month. All other mortgage servicers do NOT charge late/ " processing '' fees unless you fail to pay by XX/XX/XXXX. I called them to complain. They told me that if I set up automatic bill payment, they would not charge {$25.00}. This, I always feel, is an invasion of privacy when forcibly coerced to do it ( i.e. do this, or we 're charging you extra fees ). I asked why they were doing this. I always pay by the XXXX of the month, as with all monthly. they said it 's because they outsourced the payment processor so they have to charge me the fee. Is n't US Bank Home Mortgage getting a serving fee anyway from Fannie/Freddie which entails part of my interest paid? SECOND complaint : this month they changed their online login to their standard banking login ( mortgage banking used to be separate ). Now, when I log in, ALL I can see is my balance. No access to my loan start/end dates, amortization schedules, anything else. You have to call them to gather this detail. This severely limits my ability to strategically plan my finances. I 'm concerned about the ethics of this firm. They do n't seem to care about the end user. They just want to make money. And now I ca n't trust them in correctly calculating my monthly payments / amortization since it 's no longer transparently provided.

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 2020-12-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started the process to have the PMI removed from my mortgage payment over 45 days ago and every time I call to follow up I am given the run around. I have been put on hold for too long numerous times or told someone will call to update me and nobody ever calls. The process has taken longer than what they stated meanwhile they keep charging me PMI when it should have been removed by now. This is completely unacceptable. I have asked to speak to the person handling my request and was told I could not reach them directly and they are never able to connect me. Seems like a scam to delay the process so they can keep charging. I would like to be contacted by someone who can make a final decision ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written 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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX  XXXX TransUnion XXXX  XXXX  Account # XXXX XXXX XXXX The creditor name is STILL incomplete and I am not certain what the name of the creditor is? 
The account numbers are STILL truncated and they don't even match. 
The date of first delinquency is STILL incorrect. 
The date of last activity is STILL incorrect. 
The payment history is STILL reporting incorrectly. 

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate post investigation? Did you even investigate? If so, what was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!

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 2017-08-08
Company: Prosper Marketplace, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was contacted by message, after applying for a loan. Said I was approved for XXXX dollars, and money would be deposited into my account. I contacted them after looking the up, and it did show as ligitiment number, and Company. However on XXXX XXXX, 2017, a deposit in the amount of XXXX was deposited as a payroll mobile deposit. All of my accounts are now locked until further notice. So now I have no way to access my accounts to pay my rent. When called, the company said it was on hold because of a low credit score and that they could continue the loan through XXXX XXXX, and cost me XXXX  dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, My current property was in the process of foreclosure with Wells Fargo Bank, ( WFB ).  XXXX XXXX ( Real Estate Agent ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) approached me to bring the WFB Loan current by paying the arrears of XXXX. In lieu, of this transaction, XXXX and XXXX XXXX requested the title of my property for collateral. Hence, during this transaction of the title transfer, XXXX and XXXX XXXX, were in agreement to remove my name from the WFB Loan and the Home Association. Since XX/XX/XXXX, I have paid XXXX and XXXX XXXX {$1800.00} to make payment to WFB. I contacted WFB, and they notified me that this was transaction was a prohibited title transfer and predatory lending by this institution. I made the bank aware that this was a transaction made by a California licensed real estate agent. WFB, educated me on the kind of loan that was attached to the property. Conventional Loans are not ever able to be transferred to another title without the bank approving ; in addition, a conventional loan CAN NOT be assumed if the loan is over 30 years, if the loan is transferred without the entire loan being assumed or if the conventional loan was transferred to someone else other than a immediate family member. I contacted both XXXX and XXXX XXXX and made them aware of this prohibited title transfer. I explained to both, what WFB explained to me and how this was a fraudulent transaction per WFB. WFB has demanded that the title be transferred back, or the entire loan be assumed before the foreclosure process. WFB, also explained to me that if I make the home mortgage, the property will continue to foreclosed if the title is NOT transferred back. In addition, to rectify this I agreed to give both XXXX and XXXX XXXX the {$20000.00} that was paid to WFB. They rejected that proposal, and stated that they were not going to comply with what the WFB had requested and expressed to me that they have done this prohibited title transfer with 4 other properties with no repercussions. I have obtained from the XXXX XXXX Fictitious Business records portal the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX OWNERS NAME ( S ) :  XXXX XXXX XXXX AND XXXX XXXX, CERTIFICATE NUMBER XXXX, A GENERAL PARTNERSHIP, FBN FILING EXPIRED XX/XX/XXXX. 
In retaliation, XXXX XXXX XXXX and XXXX XXXX have now filed an Unlawful Detainer Action against me in the XXXX XXXX XXXX Superior Court, Case No. XXXX. 

NOTE : ON THE OPTIONS GIVEN, IN REGARDS TO THE WFB LOAN, NONE ARE APPLICABLE BUT I HAVE CHOSEN ( CO-SIGNER ) TO PROCEED WITH THE COMPLETION OF THE COMPLAINT.

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 2017-08-06
Company: Caliber Home Loans, Inc.
State: MD
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 have made several attempts over the past few months to have Caliber and XXXX to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. Caliber 's last report date was XXXX XXXX, 2017. Is there a reason why XX/XX/XXXX and XXXX 2017 reporting was n't made on this date ( XXXX XXXX, 2017 ), when in fact Caliber is responsible for reporting on the XXXX of each month? Per my reporting via XXXX pulled on XXXX XXXX, 2017, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 were left blank without a reporting status. XX/XX/XXXX - XXXX 2017 should all reflect as " paid on time '' not NR for No Reporting or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that Caliber correct and update the reporting of my on time payments for the months of XX/XX/XXXX - XXXX 2017. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: First Data Corporation
State: AZ
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 XX/XX/2019 I awoke to several alerts on my phone showing transactions that occurred overnight. 6 at XXXX totaling {$870.00}, 1 at XXXX {$87.00}, 4 at XXXX XXXX XXXX - {$230.00}. I called the number on my card immediately. They said that they would send out some dispute forms for me to fill out. 

When they arrived almost two weeks later they only had the XXXX disputes listed. I had to calll and remind them there were others. I completed the forms and sent them back. 

This week XXXX and XXXX XXXX funds have been returned to my account. Today I received a letter stating the XXXX Dispute has been denied due to conflicting information. They did not tell me what the conflict was. 

I have called them several times and have been hung up on and basically given the run around.

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 2019-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I NEED MY PAYMENTS RECORD ON MY HELOC AT BANK OF AMERICA, FROM THE BEGINING TO THE FINAL PAYMENT. I NEED PAYMENTS THAT WERE MADE AND REVERSED OUT. 
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 2019-06-07
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was not receiving my monthly bank statements every month and the last statement that I got it was showing an overdraft due to monies debited by the IRS to repay a student loan. The problem is that Ive never had a student loan. I got proof from my university that Ive never had a student loan but the bank say that there is nothing that they can do. The lender is requesting XXXX {$300.00} in fees that they insist to collect from me. I got in contact with the IRS to resolve the situation. In the meantime, I requested the lender to stop the collection and reporting this negative issue to my credit profile but they insist in collecting the money that they erroneously sent to the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: CA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2019-05-30
Company: EQUIFAX, INC.
State: AZ
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:
Disputed several errors on Equifax credit report. I cant access the credit report online anymore.Tried three different times. No response to mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2020-08-31
Company: TCF NATIONAL BANK
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On both XX/XX/XXXX and XX/XX/2020 XXXX at XXXX  of Ohio requested a payoff from TCF Bank. Our closing date was on XX/XX/XXXX. There was NO response to her requests. I tried several times as well and there was no answers on any of the numbers leaving me on hold as long as 8 hours until I finally hung up the phone. Not just once but several times different days. 
I sent emails to all of the bank committee members including the president with no response. 
Finally I called the collections dept and did reach XXXX XXXX who tried several times over several days to try to get someone to respond regarding the pay off with NOTHING as well. 
I drove to the local branch and was told there was nothing they could do. 
On Thursday XX/XX/XXXX driving back home from XXXX  from signing our paperwork a XXXX or XXXX called me and in a nasty tone said " Can i help you with something? '' acting as though I did something wrong and she was aggravated she had to pick up a phone and talk to me. DISPICABLE CUSTOMER SERVICE! 
I explained the situation and also explained how XXXX was the only one who I was able to reach on the phone, how he tried to help even though it wasn't his dept. and she chuckled ... .SERIOUSLY? She then said she could see my file and that the payoff would be sent in 1-2 days as it needed another set of eyes, they were short staffed, having to hire people, can't keep up, blah blah, blah. Still no payoff and Barristers finally got through to someone after 3 hour hold time on Friday, XX/XX/XXXX, who told them it would be another 5-7 days  before someone could get to it. I am wracking up interest on this loan that could have been paid off last week. i have sent out more emails this morning and again the only one responding is this XXXX XXXX who said he has done all he can do as no one is responding to him either and that he would try resending his emails he sent last week. XXXX XXXX in the Collections Dept I was also told by XXXX XXXX has been trying to reach someone in regards to my payoff with no response. 
I went onto TCF XXXX XXXX to see if anyone else is having issues and OH MY GOODNESS there are hundreds of complaints! 
I feel as though my hands are tied. My money is being held up because of TCF and interest is building not only on the home loan but the loans that were to be paid off in XXXX ... which is obviously not happening. I have several emails that I have sent out. XXXX at XXXX  of Ohio also can provide her emails sent. 
This bank is poor at best and honestly a bit scary according to other dissatisfied customers on their site. 
I need a payoff immediately. the n

ew owners paid in cash and TCF is holding everyone up for title transfer, my proceeds, realtor commissions, etc. I would like to file a formal complaint against TCF Ba
nk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Mr. or Ms. ; The debt charged to me was nefarious. 

When I called 911 in the evening of XX/XX/XXXX, 2 ambulances were sent and the company that *did not* take me to the hospital ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX followed the XX/XX/XXXX XX/XX/XXXXXXXX Ambulance ( and then got me to sign a paper in my catastrophic state at the time ). 

XXXX then sent the bill to the XXXX XXXX XXXX XXXX ( who refused to pay it ) and then me a bill ( {$790.00} ) for  transporting me to the hospital. 

Again, XXXX XXXX XXXX XXXX took me to the hospital, not TEMS, they should have left when the XXXX XXXX XXXX XXXX arrived. I'm sure they know that no one should have to face two ambulance bills for one ride to the hospital.

I wrote letters to the VA and XXXX trying to find out the facts of why this bill was not paid and why. XX/XX/XXXX then sent my bill toXX/XX/XXXX who made my sterling credit fall nearly 100 points due to the double ambulance bill. 

Sincerely~

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation