BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I originally filed a complaint on XX/XX/XXXX, Complaint Number XXXX and Ditech did not answer the questions asked nor did they provide the correct documents ( which I will attach in this complaint ). The escrow account is still short over {$3000.00}. I am attaching documents that outline the following : 1. The tax payments were taken from my OLD LOAN in XX/XX/XXXX., XX/XX/XXXX., and XX/XX/XXXX, before the closing ( document that was attached to the surplus check we received ) 2. The 2nd and 4th pages of the closing document ( information was blacked out in the letter received from Ditech regarding this complaint ) where {$3100.00} was put in escrow at closing and then taken out of the new account two weeks later. No one notified us from the mortgage company that our NEW loan started out with XXXX in our account.

3. Attached are 3 XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX there were property taxes paid from the OLD ACCOUNT - Loan # XXXX, in the amount of {$2000.00}, which is the amount that we have been missing in both XX/XX/XXXX and XX/XX/XXXXto have the XXXX XXXX correctly reflecting the taxes paid for that year. If you look at all the documentation there were 3 payments made to the tax assessor in the first quarter of XX/XX/XXXX. One from the old account and 2 from the new one.

4. In the letter from XXXX XXXX, Customer Care Mgr. from Ditech, on the first page she states " The Tax Detail also shows that due to the duplicate payment, you paid {$11000.00} in taxes in XX/XX/XXXX, but due to the credit of {$2000.00}, only {$7200.00} in taxes in XX/XX/XXXX. '' This is incorrect since there is no documentation showing we paid {$11000.00} in taxes in XX/XX/XXXX. See attachments for XX/XX/XXXX where there are two XXXX XXXX. One tax payment from the old loan and one from the new loan.

5. The escrow refund check sent to us was SURPLUS from the OLD ACCOUNT. The amounts are not the same from the old account vs. the new one that was set up. We were told at closing that the closing costs INCLUDED the {$3100.00} that is detailed on the closing document on Page 2 ( Attached ).

6. We have repeatedly asked over and over if the surplus check was supposed to be in the new account and Ditech " made a mistake '' then where exactly did all the money go that we paid at closing and can we have an itemized list of costs that total {$8000.00} ( which includes the {$3100.00} escrow amount ). Also, the amount of the surplus check and the escrow amount originally put in the new account are not the same.

Please have DItech look at this case again and resolve our escrow and tax issues. Thanks!

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 2018-12-13
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have a collection placed on my credit report with XXXX XXXX XXXX located in XXXX WA. I have never opened an account with this corporation and thay have failed to provide me proof of the alleged debt. This negative information was placed on my credit report on XX/XX/2015 in the amount of {$210.00}. I have been hindered in obtaining a vehicle because of this negative and inaccurate information. I am demanding this account be removed due to lack of validity.

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 2018-05-14
Company: Early Warning Services, LLC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was not involved in running the daily operations, unfortunately, I was on a leave dealing with my ailing XX/XX/XXXX ... .... I have been put into XXXX and EWS over a {$320.00} check sometime last XXXX. 

I am willing to provide any documents needed including an affidavit, that there was NO FRAUD and any amounts owed once justified will be made good I am in Peril, I need a checking account to go forward in life, I can not get cash, I can not open an account. 

I totally object to the way my situation is being handled by the following institutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company did a loan modification due to the coronavirus. I was laid off from work for a few months and asked for a forbearance. ( XX/XX/XXXX XXXX Before the loan modification they kept saying my escrow account was in the negative and my taxes were going up so they kept raising my monthly payment. Started making payments again XX/XX/XXXX. After asking for load modification. So after 7 months finally got my new paperwork for the loan modification. XX/XX/XXXX. Which was great except a month later now they say my escrow is delinquent and they are raising my payments again! It took 7 months to get the loan modification and they could not figure everything out before they sent new paperwork! Every month it is something new with them! So extremely frustrated with this company! I signed new paperwork for the loan modification end of XX/XX/XXXX. First payment due XXXX of XXXX of XXXX. Here it is first of XX/XX/XXXX and they want to raise my payments to XXXX! How can it be this delinquent in only a month! My mortgage was supposed to be a fixed mortgage. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: SUNTRUST BANKS, INC.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Last week the SunTrust Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX refused to give me change for a {$50.00} banknote because I do not have an account with them. 

As banks are licensed as a public service I think they should be required to make change ( at no cost ) for everyone. 

Perhaps the District needs a regulation regarding this matter. 

Thanks. 

Best Regards, 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 2023-02-08
Company: Opportunity Financial, LLC
State: SC
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: Overcharged for something you did purchase with the card

Complaint:
I was charged {$240.00} AND {$240.00} for the same transaction. I have contacted XXXX about the additional charged with evidence from XXXX and a personal receipt stating there should only be one charge in the amount of {$240.00} on my account. 

I was told by XXXX to contact XXXX to refund my card with the temporary hold of {$240.00}. 

XXXX has continuously charge my card and deny my dispute for the duplicate transaction/temporary hold. I have tried to work with XXXX with this issue for over 2 months now and they are refusing to apply the correction with rightful evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CITIBANK, N.A.
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:
Around XX/XX/XXXX XXXX changed its credit cards from American Express to Citi cards. I had automatic payments set up for American Express. I told XXXX representatives that I did not want to open up a new citi card and agreed to closing my American Express card. Since I had automatic payments set up for my American Express, all fees should have been paid for, but Citi opened up this credit card under my name without my consent. Never did I call to activate this card nor did I sign to open this card. Instead my membership fees for XXXX was transfered over to this new Citi card without my knowledge. Around XX/XX/XXXX, I was in the process of selling/buying a home when my credit report was pulled out. This is when I first realized that I had fees and an activated card without my consent. I immediately called Citi credit cards and paid the remaining balance. I explained my situation and the representative apologized and said that this was a common complaint. She then refunded me the late fees that I was being charged. She then said that she was going to remove the lates and that she would close the account. Come to find out in XX/XX/XXXX Citi never made the changes but account was closed and paid in full. Now after numerous attempts with Citi, the continue to disagree and will not take off the incorrect late reportings for XXXX, XXXX and XX/XX/XXXX. It is inaccurate reporting and unfair for me especially since I am trying to buy a home. This is affecting my once pristine credit score. Please have Citi remove these lates from my credit report as they have refunded me the late fees.

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 2018-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Wells Fargo reference number XXXX OnXX/XX/XXXX, I opened a checking account in response to a Wells Fargo promotion for a " XXXX bonus offer. '' The Bonus code was XXXX. The bonus was the reason I opened a checking account with WF. 

The bonus required 1. open a new checking account with a minimum deposit of {$25.00} by XX/XX/XXXX 2. within 60 days of account opening, EITHER make 10 purchases/payments with your Wells Fargo Debit card or .... 

" We [ WF ] will deposit the bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met. '' I met the conditions of the promotion within the time period. After two statement periods, reflecting more than 10 debit purchases, WF refused to honor the bonus. I called WF three times. Each time, WF insisted I needed to make 10 purchases EACH MONTH. Ten/month WAS NOT a condition of bonus offer XXXX. 

OnXX/XX/XXXX I initiated a complaint via phone, ref # XXXX. Rather than the advertised {$100.00} bonus, which was the inducement for my opening an account with WF, I received a {$50.00} cashier 's check..

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 2018-10-18
Company: Experian Information Solutions Inc.
State: AR
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 have been trying to work with the credit bureaus XXXX, XXXX, and Experian with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.

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 2016-04-04
Company: Siwell Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Capital Mortgage received a payoff request on XXXX XXXX from XXXX XXXX and did not process my request until XXXX XXXX causing additional cost to my loan. 
I 'm not sure why it took Capital until XXXX XXXX to process my payoff request when it was submitted on XXXX XXXX with my authorization. The additional prepaid interest cost on my loan is {$1100.00} as opposed to {$57.00} if I had closed on XXXX XXXX as planned. Now I have to close an FHA loan in the middle of the month. XXXX XXXX XXXX has generously offered to pay for my interest owed to Capital Mortgage until they can pay loan off. Capital Mortgage should be responsible for charge applied to my loan for missing the payoff deadline of 10 days. 

In addition, Capital Mortgage charged me an extra 2 months of PMI of which they have credited now however If I did n't call this out they probably would not have credited me the amount of {$350.00} x XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have XXXX XXXX XXXX  on my credit report for {$390.00} of a debt that is not mine I sent them a validation letter in XXXX and never heard anything back however they are refusing to remove this from my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX, 2021 I disputed an unauthorized transaction deduction from my square cashapp account and have not received a response. I informed them of the unauthorized transfer and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: AES/PHEAA
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: FIRST HORIZON BANK
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my payment went from XXXX to XXXX. I have contacted my Mortgage Company twice a month since then which includes XXXX Payment, XXXX Payment and XXXX Payment. My loan was transferred from IberbiaBank Mortgage to First Horizon Bank Mortgage. The issue is my Escrow more specifically Taxes and Insurances. My insurance hasn't changed and my taxes has went down being that I applied homestead. My yearly taxes are XXXX a year or XXXX a month and my insurance is XXXX per year or XXXX per month. This monthly should total XXXX going into Escrow. This doesn't include PMI however. My escrow in XXXX was XXXX and in XXXX it went to XXXX. Thats a difference in XXXX that they are charging me for. I have attempted 8 different times to work with them. I have talked to 3 different Supervisors and 5 different customer service representatives. Every month I get the same answer ... '' We will submit an escrow analysis '' and every month the payment still hasn't changed. The most recent conversation was they promised XXXX payment would reflect the updated payment and it still hasn't. I NEED HELP. This is negligence and should be considered serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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: Information belongs to someone else

Complaint:
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid in settlement. {$570.00} written off. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 


XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ROBINHOOD MARKETS INC.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I began to transfer my Robinhood account to XXXX. On XX/XX/XXXX my request to transfer stock was approved to XXXX. However, I also had {$1900.00} in cash in my account with Robinhood that was not invested. On XX/XX/XXXX I attempted to withdraw my funds and place them back into my checking account to reinvest on XXXX. My request was denied. I contacted Robinhood and received no response. On XXXX XXXX, XXXX, and XXXX, I attempted to get my funds and a message came up that they could not complete my transaction because my account has been deactivated. 

The funds were showing as still in my account until today XX/XX/2021. Today my Robinhood account shows a balance of {$0.00}. {$1900.00} has gone missing. Robinhood has no phone service to call. I've emailed and received no response back. They are now hold my funds for over a week since being notified I wish to withdraw. My money has not been moved to my bank, and now it is not being accounted for by their service. I want my money back in my account immediately. I am losing money on investments everyday they delay. 

What they are doing is highly fraudulent and nearly criminal without an explanation provided. 

I've attached screenshots and a video to submit as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
wells Fargo took My home and Shop in an unlawful short sale. The shop was for my LLC company.It was taken from me while I was XXXX and given to someone who couldn't get a loan. 
Rather than help me save my home and shop..

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 2015-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive repeated phone calls from Portfolio Recovery to my cell phone number while I am driving and I believe they are calling other family members and hanging up. I have even receive text messages from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 i Contacted Transunion,XX/XX/XXXX And XX/XX/XXXX about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.

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 2017-08-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On 06/2016 PNC MORTGAGE informed us that they purchased our loan from   XXXX   XXXX   XXXX   They sent a letter stating the will be receiving our payments and nothing else about the loan will change. During this transfer our ins was due and we assumed the escrow in our accountwould handle this. However, the ins notified the mortgage co for remittance of payment. They, informed us that there was no response. We assumed that the ins was being paid from our escrow like always. It was n't paid and PNC did not inform us of this until this  XXXX . THey want to charge us {$1900.00} for ins for that time period. I do n't mind paying some ins. But 3 times the amount is horrible. THey purchased the loan. We had nothing to do with that. I feel they should have informed us that the ins expired and they should have paid it from the escrow. IAm   XXXX   years old and can'tafford this. I agree to pay something, but not thus amount. THankyou for your help in this matter   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation