BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
when I was out of state my father received a home equity loan on his home in XXXX he had had a XXXX before this and his doctor had told me he was in need of 24 hr a day care. I talked with the doctor and social services about needing me to help him with his affairs. Their is not a easy or clear way for anyone being someones power of attorney to watch over another affairs when they do not want help. after the loan was taken out I had gone out of state to look for work that I was able to do because of my health and local economic down turn. My wife stayed with my father to see after him and help with what ever she could be allowed to by my father.He still was in command of his finances and other parts of his life but my wife cooked meals and cleaned house and drove him to any destonation he wished. when I had returned home the mortgage on his home of 49 years was behind and its county property taxes and a few other obligations. his bank and mortgage holder was XXXX XXXX in XXXX Washington but had been takin over by Umpqua bank. This XXXX branch and also the lead branch in XXXX, Washington would not let me look into his accounts or even ask questions. one one visit to the local branch my father had ask a question about his balance in his checking account and the teller replyed ... bring your check book in on Friday afternoon and I will take it home over the weekend and look into it. I ask my father if he had done this before and he told me yes a few times. I called the XXXX branch and reported the problem I felt had happen and was told they could not deal with me on my fathers accounts. my father did not want me to look into it any further and I did not until his passing in XXXX of this year when I found out his home was in foreclosure. I had told Umpqua bank I would take over the loan or get my own mortgage and they served me a law suite to remove my self and my wife from his home. I have done no other actions since that 3 days ago until now reaching out to the cfpb. If their is any way you can look into this I would be in your debt for life since I do not want my fathers home and my childhood home in the hands of the most unbelievable bank I have ever heard of! Thank you, 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 2020-11-13
Company: PDQ Services, 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:
On XX/XX/2020, PDQ SERVICES INC and on XX/XX/2020 XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PDQ SERVICES INC and XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB- I have been informed by HUD/FHA directly that I am eligible for a Unemployment Special Forebearance due to Hurricane Harvey and living in a Presidentially Declared Mandated Disaster Area. 

The agent, XXXX XXXX XXXX Escalation 's Team from HUD has reached out on two occasions to CMS on or about XX/XX/XXXX and XX/XX/XXXX to no avail. As of this letter and speaking with her just yesterday ( XX/XX/XXXX ) C.M.S. has not responded via any type of communication to HUD 's query. 

My RMA application was marked complete by CMS on XX/XX/XXXX and summarily rejected on or about XX/XX/XXXX albeit CMS should be fully aware that per FHA/HUD guidelines I am eligible for this Special Forebearance for a multitude of reasons under HUD 's XXXX XXXX and afforded even additional help per HUD Press Release below : PressRelese Releasehttps : //www.hud.gov/XXXX Also, at this point per FHA/HUD guidelines I am supposed to have a Single Point of Contact to be speaking with to discuss remedies and all available options to save my home .... '' This has not occurred ''. 

I have also filed an appeal with CMS which I am entitled to and heard nothing back on that as of yet. 

But what is most disturbing is they will not respond to FHA/HUD 's query after two ( 2 ) request with CMS knowing knowing full well that time is of the essence and each day counts, literally at this stage. 

Very truly yours, XXXX XXXX Loan No XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XXXX I subscribed to a movie service called XXXX for XXXX. I found out when I tried to use the service that there were additional fees not advertised. I tried many times with the company to cancel.Finally, I disputed this charge with Citibank and was told I received a credit for the dispute. The next day, XXXX put through an additional charge without my knowledge or consent. I contacted both XXXX and Citibank and was told at one point that a permanent credit was issued for both charges and the dispute was resolved. However, they have not credited my account. I have received different answers from everyone I talk to at Cit. I am really tired of calling, writing letters and trying to get back money that was charged to my account without my knowledge or 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 2021-07-14
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
THERE IS A FORECLOSURE SALE DATE FOR XX/XX/2021. FAY SERVICING NEVER SENT A LETTER STATING THAT THEY ARE THE NEW SERVICER FOR THE LOAN AT MY PROPERTY ADDRESS. I WOULD LIKE A LOAN MODIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: TN
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX5 Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/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 2018-05-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The credit bureaus are not investigating my dispute with XXXX XXXX XXXX for account number XXXX because if they had, they would've known there has never been any payments made from me in XX/XX/XXXX-XX/XX/XXXX. There could not have been any verification because there was never payments made on that account. They have updated my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. This has significantly affected my credit score while I am in the process of purchasing my first home. If this is not deleted IMMEDIATELY, I will be forced to file a lawsuit. If me purchasing a house is affected by this inaccuracy, I am filing a lawsuit IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In their reply to my CFPB complaint no. XXXX, Wells Fargo has made no effort to stop their discrimination against me and indicated that they will continue their discrimination against me and others who do not wear face masks. As it is now common knowledge that a virus is a protein fragment that is never alive ( and can not replicate or reproduce and is not contagious ) that your own body creates to clean toxins out of cells in your body, and that you can not catch a virus from the air or by touching anything ( including XXXX ), and that the only way you can get a virus created by another body is to have injected into your bloodstream. The Covid-19 has U.S. patent no. XXXX applied for in XXXX by XXXX XXXX, who after receiving the patent, then sold the patent to the pharmaceutical company XXXX. The vaccine for Covid-19 is XXXX Patent no. XXXX dated XXXX XXXX ( well before any reports of Covid-19 ). President Trump 's legal council XXXX XXXX found that the CDC 's XXXX XXXX XXXX in XXXX granted {$3.00} XXXX to the XXXX XXXX XXXX XXXX in XXXX. Also, it has now been shown that wearing a face mask reduces the percent of oxygen in the air being breathed in to far below the OSHA acceptable minimum of 19.5 %. Using OSHA approved ( calibrated ) Air Quality Monitors shows that wearing a face mask reduces the percent of oxygen in the air being breathed in to 17.4 percent or less resulting in physical health problems.

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 2020-07-02
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 we had a presentation for a vacation membership in Hawaii were the sales person told us many times this was not a time share at the en of the day we we agreed to buy a membership that was said by the sales persons we could cancel at any time so we continued with the transatlantic where we pad with some fees with our credit card but after we got back from those vacations ( Hawaii ) we got a bill from XXXX XXXX   credit account by comenity bank. We reviewed the contract and the name of this bank or any other information about a loan, service agreement nor any information regarding this line of credit was found. We called XXXX and asked to terminate this membership but they are not willing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: PNC Bank N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Pnc mortgage company is dragging their feet about stopping pmi. I have asked them twice in the last 9 months to take it off. I am now at 68 % LTV and XXXX XXXX 2016 is the scheduled time that it should stop. I want to send My XXXX payment without pmi payment but they say I should send it in anyway. I asked for new coupons showing no pmi on the coupon payment book. They always have an excuse, never get to talk to a supervisor. I am afraid that pmi is never going to stop unless I sue them. I should n't have to since it is the law that it stops at the scheduled time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}

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 2018-05-23
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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/XXXX, I booked a reservation at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX through American Express Business Travel. Per the reservation confirmation from American Express Business Travel, the reservation included a no-show fee of XXXX Euros in the event the reservation was not cancelled before XXXX the day of arrival. Due to changes in my travel plans, I was required to cancel this reservation after XXXX the day of arrival and should have been charged XXXX Euros as a no-show fee. However, the hotel charged my credit card XXXX Euros without explanation for why it was in excess of the XXXX Euros outlined in my hotel confirmation. Therefore, I was overcharged XXXX Euros ( XXXX - XXXX = XXXX ). I contacted the hotel but was unable to resolve the issue due to language barriers. Therefore, I disputed the charge with American Express on XX/XX/XXXX and the disputed amount in USD was {$220.00}. American Express was unable to resolve the matter with the hotel and provided me the credit of {$220.00}. Subsequent to this resolution, the hotel charged my credit card for XXXX Euros to try and recover the amount that American Express credited me as a result of the dispute. As soon as I saw the charge, I called American Express and was told I would need to dispute the charge again. I filed another dispute on XX/XX/XXXX to dispute this matter ( which was for XXXX Euros or {$230.00} in USD as of the dispute date ). On XX/XX/XXXX, American Express sent me a letter informing me that the merchant provided information to American Express and that American Express concluded that the charge was valid. However, the information provided to American Express by the merchant is not in English and does not appear to support the amount charged by the merchant. Further, it is explicit in my hotel confirmation that the charge should be XXXX Euros. On XX/XX/XXXX, I contacted American Express again to discuss this matter. I was told that I would need to file another dispute with American Express. Throughout my conversations with American Express, I have felt that the representatives I have worked with were not sufficiently competent to understand and resolve this matter. I have put forth more than a good faith effort to resolve this matter with American Express and believe my dispute is clearly supported by the facts and hotel confirmation from American Express Business Travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28
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: Old information reappears or never goes away

Complaint:
Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's transunion, XXXX, XXXX. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, 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 2020-07-01
Company: Colony Brands, 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: Account information incorrect

Complaint:
I called XXXX XXXX on XX/XX/20. I was transferred to the credit department and talked to XXXX. XXXX was super helpful and guaranteed me if I paid off the account, XXXX XXXX would delete the account from the credit reporting agencies. I did not have the money to pay off the account and said I would call back. On XX/XX/20 I called XXXX XXXX back. I talked to XXXX in collections. She confirmed If I paid off the full balance they would close out the account delete reporting. I paid the full balance of {$330.00} by debit card. On XX/XX/20 I called again as the reporting was not deleted from my credit reports. I was transferred to a supervisor who said they would not be deleting. If I had not been guaranteed that the reporting would be deleted from the credit bureaus I would not have paid the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
FL was declared a Natural Disaster on XX/XX/2017, Hurricane Irma. I took the 3 months Deferment. Wells Fargo stated to Me on a recorded line that payments would go to back of Loan. The Home Preservation Specialist ( XXXX XXXX ) stated I had to do a Loan modification or make missed payments to prevent foreclosure on My Home.I feel I was defrauded by Wells Fargo. 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 2019-05-30
Company: Experian Information Solutions Inc.
State: GA
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I filed a clam of fraud because someone debited {$300.00} from my account. I feel they were truly unprofessional in the handleing of my case. They concluded i guess that i was not being truthful and responsable for the missing money. In there terms of agreament it states we as card holders have zero liability for fraudulent chargers. 


I need to know what body of evidence did these geniuses use to come to there conclusion. I hope so much they made there choice on face rather than personal options and feelings. 
Bottom line it wasnt me who debited {$300.00}. 
Please help me i feel like a nobody with zero power and only delt as an annoyance rather than a client.

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 2020-07-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am making additional principle payments to my mortgage company Mr. Cooper in order to pay it off early. On several occasions they have reversed the additional principle payment and have applied it to regular payment. My pay history on their website shows the initial principle payment that I made then their reversal. I have had to call them many times to get them to correct these reversals. They tell me that it is their computer system making the changes. They also reversed an additional escrow payment. The result of the changes they make are that my account is paid ahead, but is incurring more finance charge which benefits their company not me. I had the same problem when I was paying extra on my second mortgage through their company. I had to repeatedly call to have my additional payments corrected after a reversal. That account is now paid. I have my regular monthly payments scheduled through them on autopay, so it is not as if they don't know that my regular payment is processing. The dates of the payments that were reversed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested that they stop reversing my payments multiple times. I have also requested that the sell my account to another lender. They are not my original lender. They refused and said I would have to refinance if I want a new lender. I believe their program is designed to reverse additional principle payments in order to charge their customers additional finance charges.

Company response to consumer: Closed with explanation