BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-27
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Regions bank is NOT adhering to signed Promissory Note/Closing Documents signed XX/XX/XXXX. 

Disbursement date on simple interest XXXX was XX/XX/XXXX ( as noted on closing documents ) 1st payment was due XX/XX/XXXX covering XX/XX/XXXX-XX/XX/XXXX period from closing From first billing, interest was calculated on an erroneous billing period of XX/XX/XXXX, XXXX XXXX, XXXX ( noted on billing statements ). 
This incorrect billing period set up all future billings to cover an incorrect billing period of the XXXX to the XXXX on a monthly basis despite payments set up to be due the first of each month as in closing documents. The billing period should have reflected the XXXX XXXX or XXXX on a monthly basis ; based on disbursement/closing documents. 
This discrepancy in the billing period being used by Regions ( and not supported by closing loan documents ) set up inaccuracies in additional interest calculations on my monthly payments made and due by the first of each month which has now gone on for 4 years without being corrected Additionally, as per Promissory Note/Closing Documents ( and further supported via emails by Regions VP/branch manager/closer on loan ) additional Principal Only payments are allowed without penalty to be applied to outstanding principal balance. As noted on Promissory Note Early payments will reduce the principal balance due and may result in making fewer payments However, each month from XX/XX/XXXX to present, a separate check marked Principal Only or Extra Principal Payment Only in the amount of {$100.00} was sent in same mailing as regular mortgage payment. However, despite Regions receiving by the XXXX of each month ( due date according to closing documents ), the entire extra principal payment {$100.00} was not applied to the principal balance, but rather interest was taken out ; NOT adhering to signed closing documents. 
Despite numerous attempts to have the loan examined and fixed since first noticed in XXXX of XXXX, Regions continues to let this error go on ; effecting me financially and emotionally. They state my Principal Only payments have to pay interest first owed for the month based on the erroneous and incorrect billing period as noted above. 

This loan MUST BE FIXED with all incorrect additional interest taken by Regions ( both out of regular monthly payments and out of extra principal payments since the start of the loan ), credited back to loan to lower principal balance. 

Based on Regions attitude, one can only wonder if this type of error is going on with hundreds, if not thousands of others, who unknowingly are being negatively impacted financially while Regions is making millions off of them. Maybe Regions need to be investigated or have a class action lawsuit to make them correct their errors.

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 2019-04-11
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a personal ( non business ) PayPal acct Last week I received an email saying aXXXX acct had been set up for me due to a CFPB regulation which had just taken effect. It is for holding cash balances. I do not ever have cash balances in PayPalI use it only to pay for goods and the PayPal is linked to my credit card. I have tried several times to reach PPal to tell them I do not need or want this acct. Each time I call, I go through their phone tree and then the call goes to busy and disconnects when I try their email form to request help, I get the message not currently available I want to know if the setup of this acct really is required by a CFPB regulation. And I want to know how to close this XXXX acct which was set up without my permission. Also, how do I get through to PayPal currently without getting hung up on or told e-mail help isnt available?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im in debt with Wells Fargo due to a fake check that was sent and Well Fargo was suppose to see if the check was fraud or not and they told me that its ok I deposited the check and something happens I ended up having to pay for it Im in debt because of unauthorized stuff with a Wells Fargo

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 2018-02-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Howdy. I check one of my three credit reports every four months. For, I'd guess, the last six or eight years, Every. XXXX. Time. I try to get my report from Experian, I get a message like " A condition exists that prevents Experian from being able to accept your request at this time. '' I've never had any trouble whatsoever with either of the other two companies. To be fair, the one time I requested my report via snail-mail, Experian did send it, but I want to avoid the trouble and expense of snail-mail. 

It's hard for me to believe that Experian is acting in good faith. Please kick them. Hard and repeatedly. 

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 non-monetary relief
Consumer complaint received 2018-03-23
Company: Experian Information Solutions 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:
U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family

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 2019-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased what I thought was a legitimate prescription online. Instead, what I received was an alternative fraudulent, counterfeit drug. The packaging, the brand name, and the actual pills were completely different. I later found out that in fact, this is a controlled substance and can not be purchased online. I promptly requested to return the merchandise ( the same day of receipt ) with the retailer but they refused to accept any returns. I disputed this with my bank ( Bank of America ) but the claim was denied. 
The retailer has since disappeared, the phone number is disconnected and its website is no longer active.

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 2018-04-09
Company: Conduent Incorporated
State: FL
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:
My account was hit with fraud beginning XX/XX/XXXX. I noticed XX/XX/XXXX. There were several charges on my account between 1000.00-1500.00 a pop. I called XXXX XX/XX/XXXX. They stated they would issue a temporary credit to my account. They sent me the paperwork to fill out several times. They also refunded some credit but did not for other charges. I called and spoke with several representatives. They provided me with names who is responsible for the fraud. I made is very clear I do not know who did this. I was told XX/XX/XXXX. To send another letter in stating I would like to appeal their decision. They said I was responsible for these charges and they would send me proof in the mail. They sent me a trans action history not the proof they said they were going to send. I was told on XX/XX/XXXX to send another letter. I have proof I send a letter from XXXX on XX/XX/XXXX. The first rep I spoke with said they received it. I asked to speak with a supervisor who said they never received it. ( So Confusing ) I have complied with all the rules with XXXX, no resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act -- -- XXXX  XXXX Bankruptcy acct # XXXX XXXX XXXX Bankruptcy acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ( This account is not mine ) XXXX XXXX XXXX  acct XXXX XXXX Have violated my rights. 15 U.S. Code 1681 Section 602 A states I have a right to privacy ; 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account information without my written instructions

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 2018-03-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is my Second attempt to have the problem resolved. I requested to have Accounts verified that are being reported on my CR. I still have not received any correspondence into the investigation of these accounts.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.

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 2022-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2017 I have a letter from XXXX XXXX XXXX that account was paid and settled with a XXXX balance. Stating account was satisfied with no further obligation on this XXXX account

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 2020-05-10
Company: Experian Information Solutions Inc.
State: NY
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 XXXX has been recently updated & verified as accurate on my Experian credit report. Please see attachment ; Account : XXXX XXXX XXXX XXXX is reporting inaccurately and is inconsistent. 


Account does not appear on either XXXX and XXXX inconsistent reporting. A violation of FCRA rules 1681 Account does not currently reports last date of payment a violation of FCRA rules section 1681 Account does not reports last date of activity. A violation of FCRA rules section 1681 Account does not reports accurate balance or past due balance. A violation of FCRA rules section 1681.

Account does not accurately reports creditor business address and phone number. A violation of FCRA rules section 1681.

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 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family

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 2020-05-05
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:
Ive been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the Equifax breach I placed a freeze on my Equifax credit report-I received a pin number to manage this freeze. I wanted to temporarily lift the freeze and my pin number didn't work. I tried to resolve this online and the system was unable to process my request. After countless attempts and a considerable investment in time and aggravation and numerous contacts, I was able to speak to someone who hopefully has resolved my issue. My concerns are : 1. Nobody was able to tell me why my Equifax provided pin didn't work-only that I needed to expend more time and energy to resolve their problem.

2. I was unable to address this on-line in an expeditious and easy manner 3. Why am I and my information being held hostage by Equifax limitations in resolving their errors?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The homeowner is a XXXX year old senior citizen who has a loan with One Main. The homeowner has been paying her mortgage on time since XX/XX/2000 which should have been paid off. The homeowner still have a balance of approximately {$4500.00}. XXXX contacted Lender for update status. This is a revolving line of credit. I have enclosed her payment history. She is not willing to pay anymore towards this mortgage until she receives some answers to where her mortgage payment is being applied and believes that she should receive a refund for over payments. She is asking that you please assist with this mortgage and provide an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The loan process started with Bank of America on XX/XX/2021. 

The loan is still in process and the loan # is XXXX for the loan amount of {>= $1,000,000} The loan has been approved and the loan was locked in at a rate of 2.625 % Bank of America sent XXXX XXXX and his wife XXXX XXXX XXXX, a XXXX XXXX a promise to reduce the rate an additional .25 % if we deposited an additional {$500000.00} with BAnk of America. 

We did that earlier this month and we still have not received the discounted rate of 2.375 % on this same loan number. 

We deposited a check from our XXXX XXXX XXXX XXXX account earlier this month and have a receipt for the deposit. 

We are still waiting for Bank of America to honor their written commitment which we have a copy of. 

We are scheduled to close by XX/XX/2021 and they have not given us the promised rate.

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 2018-04-09
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have told this company and XXXX XXXX XXXX several times that this debt was paid. I have made numerous phone calls and have forwarded the information showing this debt was paid multiple times. I have contacted both the creditor and the debt collection company multiple times. The creditor continues to send the debt to the collection agency and they continue to send me collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Fairway Independent Mortgage Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
APPLIED FOR A MORTGAGE LOAN XX/XX/2018 WITH XXXX XXXX OF FAIRWAY MORTGAGE. SHE PRESENTED HERSELF AS A BROKER, FOR MANY LENDERS. 
SHE WAS UNAVAILABLE FOR PHONE CALLS, AND EMAILS WENT UNANSWERED. FINALLY 2 DAYS PRIOR TO THE CLOSING ON XX/XX/2018 SHE PRODUCED THE LOAN DOCUMENTS. THE LOAN WAS WRITTEN IN THE WRONG NAME, THE LOAN WAS WRITTEN FROM FAIRWAY INDEPENDENT MORTGAGE. THE INTEREST RATE WHICH SHE LOCKED US INTO IN XXXX HAD CHANGED TO 4.75 % WHICH WAS THE RATE AS OF XXXX. 
SHE DID NOT SHOW UP AT THE CLOSING, AND THE TITLE COMPANY WERE INFORMED THAT WE HAD TO SIGN ALL THE DOCUMENTS, EVEN IF THERE WERE ERRORS OR WE WOULD NOT GET THE LOAN. 
OF COURSE THIS MEANT THE PEOPLE WHO'S HOUSE WE BOUGHT WOULD NOT BE ABLE TO CLOSE ON THE HOUSE THEY BOUGHT AND SO ON DOWN THE LINE. 
WE DISCUSSED THE ISSUES AND THE REALATORS DECIDED WE SHOULD SIGN, AS THERE WERE WITNESSES TO OUR REFUSAL, AND RE-FINANCE IMMEDIATELY. 
WHEN WE WENT TO RE-FINANCE WITH OUR BANK WE WERE UNABLE TO GET A LOAN BECAUSE XXXX HAD PUT IN INCORRECT INCOME INFORMATION. SHE ALSO PUT US IN A JUMBO LOAN FOR $ XXXX AND WE PUT DOWN 20 % AND STILL OPENED AN ESCROW ACCOUNT WITH THE WRONG AMOUNTS. 
THE ESCROW IS BEING HELD BY FAIRWAY MORTGAGE AND AFTER MANY CALLS FOR THAT AMOUNT TO BE RETURNED WE STILL HAVE NOT SEEN IT. 
IT IS OBVIOUS THAT XXXX XXXX WROTE A HIGH COMMISSION LOAN, MADE OUR INCOMES LARGER TO ACCEPT THAT LOAN AND THEN THE LOAN WAS SOLD TO XXXX XXXX. 
EVERYTHING SHE TOLD US REGARDING HER AND BEING A BROKER FOR ALL SOURCES OF LOANS WAS FALSE. THE LOAN WAS WRITTEN WITH FALSE INFORMATION AND WHEN WE CALLED THE " SUPERVISOR '' FOR FAIRWAY, I WAS TOLD THAT " I DON'T LIKE YOUR NEGATIVE ATTITUDE, DO NOT CALL AGAIN ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, American Express ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the American Express account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for American Express ( see attached bank statement ) - On XX/XX/XXXX, American Express sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, American Express sent me a XXXX for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, American Express was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off American Express, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

Company response to consumer: Closed with non-monetary relief