BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: ARVEST BANK GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central Mortgage - On XX/XX/XXXX I logged into my online mortgage account with Arvest Central mortgage and noticed my monthly payment amount had increased from {$1600.00} per month to {$1700.00}. This was a shock to me, since originating my loan in XX/XX/XXXX, and since the loan had been placed with Arvest in XX/XX/XXXX my payment has not changed. 

I contacted Arvest and was told there was a lapse in my home owners insurance, as well as an escrow shortage of {$1000.00}. I have no idea why this would be, i have not changed or authorized change on my home insurance ( haven't even contacted them ) or anything else to do with my mortgage/payment since i got the loan. It is my understanding that the monthly payment covers your principal and interest, insurance and taxes ... and that a certain portion is put into an escrow account every month to be disbursed properly throughout the year when items are due ( taxes and insurance ). 

I explained what i understood to Arvest, and requested that they look into why the shortage/lapse occurred .... and advised all i want to know is why my payment increased so much. I made this request on XX/XX/XXXX, and as of today XX/XX/XXXX there has been no resolution, no clear explanation, and certainly no urgency in assisting their customer with something that simply doesn't add up. I do understand payments can increase based on taxes going up, but this doesnt justify {$100.00} increase per month. The difference in the payment seems to be the {$1000.00} from the escrow shortage that they are now trying to recoup through my monthly payment, but why was there a shortage to begin with, nothing changed? 

As im sure whoever is reading this can tell, I'm confused and frustrated. Hopefully the CFPB can help me identify what happened, or get me in contact with someone at Arvest who truly intends to help me. 

I spoke with my insurance company, title company from when i originated the loan, and the original loan company. All indications that I've received point back to Arvest being the responsible party, and the {$1000.00} shortage being caused my some mistake Arvest made. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My drivers license was recently stolen and I have an older XXXX  drivers license that expired in XXXX  it has the same drivers license number as my current one that was stolen. Before I visited the branch at XXXX XXXX XXXX XXXX I called customer service who said I could deposit money with out a current ID if Im the account owner. When I went to the branch in XXXX XXXX XXXX located in XXXX California they refused to let me access my account which is over drawn even though I had a social security card and bank statement and expired ID card. My account is overdrawn yet the branch would not let me deposit money my son is a beneficiary and supposed to be able to access my account he had his ID and the branch manager said he can not access my account even though he is a beneficiary. What good does it to add a beneficiary if they cant access the account? The phone number to this bank is XXXX. Im guessing that this Wells Fargo branch does not value me as a customer denying me access to my own account. When I called customer service they said the branch manager had discretion to accept an expired state ID. I was trying to deposit cash not withdraw money I almost suspect discrimination and prejudice by the bank as they acted unreasonable. Please investigate Im locked out of own account and the bank lied to me and refused service. This branch I would only give 1 out 5 stars. Please investigate.

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 2018-08-08
Company: EQUIFAX, INC.
State: TX
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. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. Equifax. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, Equifax, XXXX, and XXXX CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A fraudulent transaction was made using my XXXX account in the amount of XXXX to a XXXX, made on or around XX/XX/XXXX. The last authorized transaction was made to my GF, XXXX XXXX, over a year ago. I rarely use my XXXX account and it appears the person, XXXX, sent a money request and the person ( s ) whom hacked into my account approved it and used my card on file. I believe the persons are all working together as I do not know the person, XXXX and she appears to be selling herself as XXXX is listed in her user name on XXXX. I reported the transaction as fraud to a XXXX via live chat on XXXX on XX/XX/XXXX, an XXXX emailed me yesterday, XX/XX/XXXX, she stated my claim was denied but did not disclose what actions were taken to investigate. As I stated before, I do not know the person whom funds were sent to, I would not send money to someone I do not know and again, it appears she is a XXXX worker whom is selling herself. I would advise XXXX to reverse transaction, take funds out of the receiver 's account and close my account as well since I do not use it, the last transaction made by myself was to my GF, XXXX XXXX which was over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
The account I 'm requesting to be deleted from my credit file is from back in 2012 it was a timeshare loan the account was closed and reported that it was paid with a {$0.00} balance. Please delete!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX, I use https : XXXX ( XXXX by East West Bank ) . 

I use my XXXX  bank account transfer XXXX to another velo bank account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. 

Both the payee and the payers velo bank account were frozen {$6000.00} XXXX later, I recharged my bank account, so there is enough balance to frozen ). 

So far, one year have passed and the remittance status has not yet been confirmed. 

Bank still tell me wait. I have been waiting for the bill confirmation for one year, but I still haven't waited. Bank have never told me the exact confirmation time. I really have no patience to continue waiting. I hope the company can help me solve this problem, otherwise I can only complain over and over again.

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 2018-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had low funds. A charge came through that caused the account to go negative ( less than {$3.00} ). When I noticed I quickly added {$3.00}. They still charged me {$35.00}. Then an additional {$30.00}. They have this : {$5.00} Overdraft Pass comes automatically with all personal checking and money market accounts. ATM and debit card overdrafts of {$5.00} or less are included if you are enrolled in Debit Card Overdraft Coverage. 

This should have prevented the fees. 
They should refund me the over draft plus all fees. {$65.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan with XXXX was immediately sold to Amerihome in XX/XX/2018. I have been paying into the escrow account since then, with an amount based on the new assessed value of my home. 
In XX/XX/2018 I received a supplemental tax bill from XXXX county for {$8500.00} which clearly stated I am responsible for paying this bill, not my mortgage servicer. I immediately contacted Amerhome to tell them that the amount they have in my escrow account far exceeds the tax bill THEY were to pay ( {$1100.00} ), which was based on the old assessed value. 
For two months, I have repeatedly called, emailed and begged them to send me the excess escrow funds, which are currently {$4800.00}. 
Amerihome, and THEIR servicer, XXXX, has repeatedly claimed they have ordered new " escrow analyses. '' Amerihome sent me {$640.00} XX/XX/XXXX as a result of an annual escrow review, but this review still assumed a new, higher assessed value, NOT the actual property tax bill they received and partially paid to XXXX County. In a phone call XX/XX/XXXX, an Amerihome/XXXX representative admitted they should send me my {$4800.00} AND reduce my monthly payment for escrow/impound. My several follow up phone calls yielded no results. 
Amerihome is holding my excess {$4800.00} escrow funds hostage -- funds I NEED TO PAY MY SUPPLEMENTAL PROPERTY TAX BILL WHICH IS NOW DUE! This is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2018 RE : Hunt & Henriques XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX Acct : ending in XXXX Dear Consumer Financial Protection Bureau : I am writing in response to a debt collectors threatening letter, dated XX/XX/2018 ( copy enclosed ) about the above -referenced account ( XXXX ending in XXXX ) I have explained to the debt collectors demand, how I can not balance this request. Ive expounded on my position, as explained in my letter to Hunt and Henriques, XX/XX/2018. This is a permanent situation, not only medically, but because of our listed ages ; my wife will be XXXX in XXXX and I will turn XXXX in XXXX. In addition, our only source of income, as I explained to the debt collators, is Social Security and our pensions and my Veterans Medical Benefit. I explained to the debt collectors that we have no attachable income. My stated notice to the debt collectors is covered in the Fair Debt Collection Practices Act, 15 USC 1692c. 

( c ) In accordance the above-referenced act, I have asked XXXX ( twice by phone and once by letter ) and the debt collector twice by letter ( enclosed ), to cease and desist. 

In addition, I explained in detail and forwarded several copies of my wifes diagnosis of XXXX and how our finances are affected by medical charges and other financial obligations. 

I am asking that the debt collectors cease in their efforts to further contact me and to stop any attempt at legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My friend told me that Citibank had a promotion. If a client opened a new saving account between XX/XX/XXXX and XX/XX/XXXX and maintained a minimum balance of {$25000.00} in the account until XX/XX/XXXX, with a new checking account, the client will earn a {$200.00} bonus. Besides, if the client maintained a minimum balance of {$15000.00} in the checking account until XX/XX/XXXX, the client will earn a {$300.00} bonus. 
I opened a new saving account and new checking account in Citibank 's branch at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XX/XX/XXXX and maintained {$25000.00} in the saving account and {$15000.00} in the checking account until now. Citibank did give {$300.00} cash reward in my new checking account on XX/XX/XXXX. However, the {$200.00} cash reward I got on XX/XX/XXXX for my new saving account was reversed on XX/XX/XXXX. When opening the two accounts on XX/XX/XXXX, I followed all instructions from the branch 's personal banker XXXX XXXX XXXX. So it was either the branch did something mistakenly when opening my accounts on XX/XX/XXXX, or Citibank wrongly reversed the {$200.00} cash reward from my saving account. I have tried to contact XXXX XXXX many times by emails, phone calls and visits, but she has not respond to 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 2021-07-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am XXXX XXXX XXXX. I opened an account with Chase. I opened the account on line. About 2 weeks after the account was opened I tried to transfer money to my account and was not allowed to. I contacted Chase customer service. ( Chase did not have the decency to contact me about this event despite having my e-mail, telephone number and address, ) I waited on hold for 45 minutes and finally was able to speak to a customer service rep. The rep informed me that his department did not handle my issue and transferred me to another department. I waited on hold again for around 30 minutes. When that rep answered the phone they told me their department was not handling that problem and transferred me to another department. I waited on hold for another 45 minutes. Finally the person who answered told me Chase was closing my account because my " E-mail was suspicious ''. When I asked what they meant by suspicious I was told they could not tell me. Now my account is closed. I am on a fixed income ( I make less than {$800.00} a month ) I cant pay any of my bills from that account. I cant get a logical explanation out of Chase as to what : Suspicious E-mail means. I wonder if their mothers know how shamefully Chase treats poor senor citizens. I am XXXX XXXX XXXX and have never committed a crime and I am being told my e-mail is suspicious?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Issue 1 : Navient reported account negative and have a forbearance dated on XX/XX/2018. Correct credit report. Issue 2 : I asked for lower payments and still haven't got it reduce per representative. Issue 3 : This account was list in my bankruptcy discharge paper work and they said it would be off my credit. The cosigner is responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX while using their exchange system ( XXXX ) I was automatically logged off and was no longer able to log back in. XXXX would give a message stating " An error has a occured. Please contact XXXXsupport. '' I have contacted both Coinbase and XXXX ( OnXX/XX/XXXX and many times after ) without any resolution or movement on the matter. A ticket was entered and " escalated '' which stated I would receive reply back from their " specialists '' within 4-5 days. It's now been 7 days and still no response. 

I have funds locked up by their system without any reason or explanation from them as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon ordering my Credit Report in XX/XX/XXXX, I noticed a Closed Chase Credit Card with a balance of {$3300.00} that I did not recognize. I immediately called Chase on XX/XX/XXXX and spoke with service rep XXXX XXXX. I asked her for more details on the account and advised her that this was a fraudulent account. I then asked her to please send me proof that this account belonged to me along with the original signed application in order for me to show that it was not me who opened this account. I further hoped that the application may provide clues to who may have. 

On XX/XX/XXXX I received a letter from Chase stating that they no longer had the requested information. I have attached that letter. On XX/XX/XXXX, I requested to open a fraud claim with XXXX XXXX. On XX/XX/XXXX, I made a follow up call and spoke with rep XXXX who told me that the previous rep did not open a claim as I requested. She told me she would do it at that time. 

To ensure that my claim was submitted, I also submitted a written request along with an identity theft report to Chase on XX/XX/XXXX. On XX/XX/XXXX I received a response from Chase only stating that they had verified this was my account but did not provide me with any signed documentation as proof that I opened this account. 

I attest that this is a fraudulent account and I would like it removed from my records immediately. 

Please note that a fraudulent account was attempted recently at XXXX XXXX XXXX which caused my initial inquiry into my credit report. XXXX  XXXX XXXX was able to immediately rectify the situation and a fraud alert was placed with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Contacted Company on XXXX XXXX to inform them my information is incorrect. Name and Address on my license should match my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
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:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2018-08-08
Company: Experian Information Solutions Inc.
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:
Contacted Experian on XX/XX/2018 about the dispute I submitted today regarding an alert I recieved today. XXXX XXXX XXXX showed a collection item with XXXX XXXX XXXX XXXX, but was unable to validate it with me. 

Experian fraud resolution stated that they don't have to get documents, they verity only the name, address, creditor, and balance. I said even if the account is NOT my debt. I requested that they verify the debt by getting contracts, payment history, or something to validate that debt is legitimately mine, or if they can't validate it to remove it immediately. 

They said they are in the process of investigating it. 

Sent XXXX  a dispute requesting the same account validation stating that it was 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 non-monetary relief
Consumer complaint received 2018-06-15
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I opened a dispute with XXXX over two payments with Mohela back in XX/XX/XXXX. The dispute was updated on XX/XX/XXXX and I had initially missed what they had reported because I looked at my open loans for results and they had updated one of the loans and it looked fine. On XX/XX/XXXX I applied for a mortgage, when my lender gave me my report I realized that Mohela had completely changed the information on my loan. My loan is active and in good standing but is showing as refinanced in XX/XX/XXXX with a delinquent payment history. My loan origination date has also been changed from XX/XX/XXXX to XX/XX/XXXX and the beginning balance is inaccurate. Later that day I called Mohela three separate times trying to straighten it out and they just keep telling me they never reported that information. I repeatedly told them that I was looking at a copy of my credit report from that day and the information had been reported by them and needed to be corrected because it is preventing me from buying a home, they claim it must be the credit bureaus fault.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation