BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: Pacific Union Financial, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE BEEN TRYING TO WORK WITH MY LENDER FOR A LOAN MODIFICATION/ATTORNEY GENERAL NATIONAL MORTGAGE RELIEF SETTLEMENT. MY LENDER HAS BEEN DELAYING CONSIDERATION OF THE MORTGAGE APPLICATION, " LOSING '' DOCUMENTS, CONSTANTLY REQUIRING ADDITIONAL ITEMS, MAKING ME SUBMIT NEW DOCUMENTS BECAUSE THE ONES ALREADY SUBMITTED ARE TOO OLD ( BECAUSE THE LENDER DRAGGED ITS FEET ), DUAL-TRACKING ( FILING A FORECLOSURE COMPLAINT WHEN A MODIFICATION APPLICATION IS PENDING ). 

Facts, today XXXX/XXXX/2016, I was served a foreclosure complaint from Pacific Union Financial LLC. I attached a copy to my complaint. The foreclosure complaint is dated XXXX/XXXX/2016. Since XXXX XXXX, 2016 I have been working with my lender for a modification. I sent them a complete package and currently my loan is in underwriting since XXXX/XXXX/2016. The foreclosure complaint is premature and should not be issued due to the fact that I am currently working with my lender to receive aa modification. This is Dual-Tracking by Pacific Union Financial , LLC. The document is dated on XXXX/XXXX/2016 and at that time pacific union had an application for mortgage assistance on file. My original application submitted to Pacific union for modification is dated XXXX/XXXX/2016. I have been in contact with them as well sending more documents because they claimed were not received. 

Again, Pacific Union Financial LLC is absolutely in the Wrong for filing a foreclosure complaint while my modification application is pending. Actually, my application has been in underwriting since XXXX/XXXX/16. I originally submitted my application on XXXX/XXXX/16 and been working with my lender the entire time. I request disciplinary action immediately against my lender for DUAL-TRACKING. Please see attached foreclosure complaint! 

This is my second complaint to CFPB against Pacific Union Financial LLC! I have been getting the run around from Pacific Union since my file complaint against them! Pacific Union does n't care about struggling homeowners in default and clearly are trying to foreclose even with a complete modification application PENDING.

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 2019-12-08
Company: Bread Financial Holdings, Inc.
State: IN
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:
I have a credit card by Comenity - Meijer MasterCard. When I received my XXXX payment on XX/XX/XXXX for a sum amount of {$510.00}, I noticed there were several Fraud transaction purchases on my credit card under XXXX, XXXX XXXX, and others under this # XXXX CA. Further search on my past available payment forms from XX/XX/XXXX to XX/XX/XXXX I noticed there were several Fraud transactions under # XXXX CA for the amount of {$1500.00} without my knowledge. I called Comenity - Meijer MasterCard ( phone # XXXX ) and reported the Fraud activities. Comenity - Meijer Master Card representative informed me there are several fraudulent payment purchases on my card and that they will investigate and send me a letter of the results in a month ( XXXX ). 

I received a second statement of XXXX that listed all of the Fraud activity on it ( see attached ). Since it was a month that passed and they did not respond with the letter as promised, I called them back. They then told me that I am fully responsible for all the Fraud activities without giving me any reason when I asked. The Comenity firm is responsible to protect their customers from Fraud and should inform them by mail, email, or call for any of these unusual activities on the credit card. Lastly, they should follow through with sending a letter as they said they would in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
On XXXX XXXX, my Chapter XXXX Bankruptcy was discharged without protest. This debt, AFNI, for a XXXX bill, was certainly included. AFNI refuses to close and take this account off of Reporting agencies. I have complained to XXXX, XXXX, and XXXX to take this account off of their listings. They have all refused, and this is the only one remaining derogatory report ( other than bankruptcy ) on all my reports. Not only should it be closed and removed, but the reporting agencies list it as " open ''! I had XXXX pages of creditors. All of them honored the discharged and removed their listings from the agencies like XXXX. This is the only lone creditor account that refuses not only to close the account, but also to remove it. They even list the account as having a {$0.00} balance! Still, they mark the collection as " open '', when the account was reported as being opened in XXXX, XXXX. The actual open date was a couple of years before that. All of these dates surely fell before the filing of my Ch XXXX Bankruptcy in XXXX, XXXX and discharged in XXXX XXXX. Just the fact that this creditor is listed on my report- and especially " open '' is hurting my credit score. I have worked hard to rebuild my credit in 2.5 years, and have been successful. This derogatory mark from this company ( that by law, I was entitled to have discharged ; they did n't even dispute it! ) is sticking out like a sore thumb on my credit report. I have rebuilt my credit very well, but have been turned down for credit due specifically to this " open '' collection account- that is n't even valid! This is a terrible thing to deal with after all the work I 've done to rebuild my credit ; especially since I have done extensive work in disputing this entry to the individual credit reporting agencies themselves! And then, the agencies not removing the entry! Please help me get this last awful derogatory remark- that I am entitled to under the bankruptcy provision- off of my record. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: First Data Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On Monday XX/XX/2019 I received two Email Notifications, Telling me that I had made two Purchases From a city And State that were hundreds of miles away from where I actually live. From a supermarket in this city for the amount of XXXX and then again for XXXX. I proceeded to call the customer service number on the back of my card to make a dispute and try and figure out what was going on. They told me that they had deactivated my card and that I would be getting a new one in the mail within 7 to 10 business days. And that they would send me a dispute letter that I must fill out and send back within 10 days in order to be eligible for a temporary credit of the amount disputed. It has now been 5 days since I called and still no dispute letter for me to fill out and send back. And they say if they dont receive it within 10 days from the date in which I called to make the dispute. That it would take any where from 45 to 90  days to have any chance of getting my dispute resolved. Later that day on XX/XX/2019 I received an additional notification from money network saying that I had purchased {$13.00} worth of fuel, still from the same city XXXX XXXX. I called them again for a second time asking why Im still being charged for items in this city and state, when I had made a clear dispute hours earlier. And they had told me that they had canceled my current card from which the money was being spent from. They told me that the purchases were pending and that they hadnt gone through until then. And that there were two total charges for fuel from a XXXX in XXXX XXXX. One for the {$13.00} which I received a notification for and another for {$15.00} in which I did not receive a notification for. So then I opened an additional dispute for another two charges on my card. Told me the same thing about the dispute letter and them having to receive it within 10 days for them to do anything about it. Or else it would take them 45 to 90 days to even take a look into it.

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 2021-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote to the credit bureaus hoping for my accounts to get resolved and I am not seeing a change. I also want to understand the reason for my points to have dropped significantly and an account number changed on an account I have open. I would like to know the investigation results for these accounts still remaining in negative status on my account. XXXX XXXX, Account Number : XXXX, XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a mortage in XXXX. The mortgage payemets were affordable the first couple of months of the life of the loan. However, the monthly mortage payments skyrocketed within a the first year of the mortgage loan. The increased on my mortgage payments made it impossible for me to keep making payments on my mortgage loan. Now, I am trying to fix my mortgage loan by doing a a short sale but the bank is not allowing the process to go through.

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 2019-12-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My account was closed without notice on XX/XX/2019 without notice by bank, They claimed i made a dispute that was misrepresented. I had not, they would not hear my story or discuss what happened and all communication had to be done by snail mail, which they did not respond to. 

I have resigned to the closing of my account and started using different credit cards, but to add insult to injury they are now stating that the cashback i have earned on the account is being forfeited and I will not get the {$950.00} that i have earned to date. I must have spent over XXXX with them to get that amount back in cashback rewards. I could have used any other of my credit cards to get points/miles instead.

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 2019-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am attaching all documentation. As you can see I opened this account at the store on XX/XX/2019 and my first statement due was {$94.00}. Even before I received my first bill, I visited their website and set up automatic bill pay to pay the statement balance in full. Unbeknownst to me at the time, my bank account entered was off by a digit. Apparently, like most websites, there was no quality check to ensure my account had the correct # of digits, so this went undetected. Of course, since I set up the payment in full and when I received my next bill in the mail showing a balance due of {$2.00}, I had every reason to believe the account was in good standing. What I did not know was that the XXXX payment was paid then rejected because the bank account # was wrong and there was no quality check to determine the error and no notification to me by XXXX XXXX. At the end of XXXX when the 2nd payment in full was rejected, I did receive a call from XXXX 's credit notifying me there was a problem. I called back immediately upon hearing the message and the representative and I discovered that my bank account # was off by a digit. We fixed it and she refunded all late fees and interest charges and led me to believe everything was fine and that there was an agreement that I was not late, but this was a tech/digital error. Not until I checked my credit ( I do so regularly ) did I see a hit to my score, Apparently XXXX XXXX had reported me 30 days late.I immediately disputed it with all credit bureaus and they all corrected it, including Trans Union. The following month, XXXX XXXX reported it again to Trans Union, after they had removed it, at which time I called XXXX 's to find out why. The women there were extremely rude, condescending and unhelpful and accused me of being delinquent, no matter how much I showed them evidence and explained clearly that this was entirely technical, digital, error and I had clearly made every attempt to pay the bill on time, in full, and my XXXX statement showed a {$2.00} balance, so I looked no further to see the transactions that showed a reversal. No matter what, they would not even look to see the actual facts. They said I should have looked further, even though as far as I knew, my automatic bill pay at their site was set up before I even got a paper bill., and my XXXX bill was {$2.00}, so obviously my payment went through. You can see clearly that this error in my bank account # was the reason for all of this, and any reasonable person or agency would reverse this negative reporting to 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 2019-12-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my property in XXXX and had HOA3 insurance on it with XXXX  XXXX, through XXXX XXXX. In XXXX they withdrew from Florida. 
XXXX XXXX got me XXXX  XXXX in XXXX and they withdrew my insurance policy after non payment in XX/XX/XXXX. I used to call the various reps at Penny Mac and asked why I was paying so much. They were dismissive. In XXXX I found out that Penny Mac imposed Lender Placed Insurance and had not paid XXXX so XXXX XXXXe got me new insurance coverage. 
I was speaking to a specialist called XXXX, who Penny Mac appointed after my complaint and I have left a few messages for her a few weeks ago and not heard back from her. 
XXXX had mentioned that every time I put something in writing it just complicated matters, but after not hearing back for a period now I am hoping that this can be resolved quickly. 

I am looking for the difference returned on what I should have paid and not the additional {$12000.00} Penny Mac chose the impose. 

I still live in the same house. I was insured with XXXX XXXX at the time and then when XXXX   XXXX withdrew we went to XXXX XXXX. After the Penny Mac debarcle XXXX 's found me new insurance. 
I have had HOA Insurance until XXXX when my HOA got insurance. 

When I spoke to XXXX at Penny Mac she seemed like she wanted to help me. Her research department said that they had not received an invoice from XXXX XXXX. 
I spoke to XXXX XXXX and XXXX sent me an email after speaking to me and said that their policy is to call for payment. Penny Mac did not send the money to XXXX and for whatever motive imposed their lender placed insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Google Compare Credit Cards Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, using the site XXXX, I sold a verified user bitcoins in the amount of {$4000.00}. Said user paid the required amount via Google Pay, and the bitcoins were released from escrow to them via XXXX. I withdrew the funds to my bank account immediately. 

Over 3 months go by, and I am informed by Google Pay that the payment had been cancelled and the money returned to said user. I immediately contacted Google to inform them I had proof that the transaction was legitimate and that the user had in fact received the intended purchased product ( bitcoins via XXXX in the amount of {$4000.00} ). I told them I had proof that the user was committing fraud.

Google Pay essentially informed me there was nothing they could do and to contact the user directly or seek a legal solution. They transferred {$4000.00} back to that users account, making my Google Pay balance - {$4000.00} and asked me to settle up.

I told them I would not cooperate with criminals and had no intention of aiding and abetting a fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX which was opened on : XX/XX/2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to Resident Collect and Equifax to reflect that I had a stolen identity. 
The CRA XXXX Equifax XXXX continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 

XXXX again contacted the XXXX ( XXXX ), and submitted again the information and they state via letter that : XXXX is no longer pursuing the debt and the account is closed. The also say that they have ceased activity and have notified the CRAs of this intention. I am wondering why Equifax refuses to remove this from my report. Please see the attached letter. I want this entry deleted NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions 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 status incorrect

Complaint:
Made a car payment by phone to XXXX XXXX XXXX XXXX ( XXXX ) before the account was late ; however, XXXX posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to XXXX  official before the account became " late '' ( see attachement ).

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 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One placed a restriction on my credit card because I made a {$300.00} payment on XX/XX/2021 for a balance of {$370.00} ( the balance increased to {$380.00} overnight on XX/XX/2021 ), they want to verify that I am the primary account holder on my checking account with XXXX XXXX XXXX XXXX XXXX, I am the only account holder on my checking account. Capital One decided to flag my account because I have been paying off the balance entirely since I received a payment of Life Insurance money after my mother died. I am trying to boost my credit by using my credit card instead of my debit card. The Capital One Representative called my bank and asked me to enter my identifying information so that they could speak with a representative of XXXX which I do believe is not legal, also my bank will not speak to me if there is a 3rd party on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received notification of my right to dispute this debt. This company reported this account to the credit Bureaus without notifying me and providing me the right to dispute this alledged debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting a Foreclosed mortgage. The property was foreclosed on and sold XXXX XXXX, XXXX ( see attached ). Therefore the Date of First Delinquency was no later than XXXX XXXX. This is reporting past the Federal Statute of Limitations in violation of The Fair Credit Reporting Act. The other XXXX bureaus have removed this. Experian needs to abide by the law as well.

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 2023-03-29
Company: Solar Mosaic LLC
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was buying panel through XXXX XXXX and they are financed through mosaic Ive had them for almost a year and I just got them working by paying a new solar company to completely unusual and reinstall the panels for me with no help from mosaic or XXXX and on top of that XXXX panels melted on the roof that are suppose to be under warranty but XXXX isnt here to help. I went through a divorce and legally had to sell my house 6 months ago but I have been unable to for the lien on my house due to the panels. Ive called hundreds of times and put in several complaints with no help. Ive been paying panels and electric and a mortgage and rent and its hard to keep up. The panels and old mortgage have destroyed my credit and since I was planning to sell the house much sooner due to the divorce and no longer being able to afford it. Mosaic said that they have resolved the issue but also said they couldnt get ahold of the installer and I even have a email proof of them saying they didnt help when I finally made some progress on my own

Company response to consumer: Closed with explanation