BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-17
Company: US MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted a real estate agent at XXXX XXXX XXXX in XXXX, OK about a HUD property. XXXX weeks after signing contracts the agent ( XXXX XXXX ) " quit '', said I was reassigned to another agent ( XXXX XXXX ) and they referred me to US Mortgage. I had a preapproval from another lender who required utilities on during inspection so we could n't move forward. Other concerns followed but concern now I escrowed monies to pay for plumbing as part of the FHA loan. This was financed in my FHA loan ( XXXX XXXX, 2015 ). Almost XXXX months after loan closed the plumber called me to report he had not received his payment. I contacted XXXX by phone and email to find out why this amount was not paid and for documentation where all monies I escrowed in were applied. She said she would follow up, contact me next day but she has not called me, nor the plumber back. This was typical ( not calling back - ever ) throughout the loan process. I 'd call agent at XXXX XXXX with question, agent would say for me to call the XXXX at the mortgage company. I just waited until I closed not to lose the property or my earnest money. This time however the plumber is calling me about payment I paid at closing. I would like to know who else to contact so I can file a complaint. I 'm not sure if US Mortgage is local ( XXXX ) I never went there nor could find an address online or correspondence. Faxed and Email everything. No one showed up at closing - the agent nor mortgage company. XXXX 's name then reappeared on the closing documents ( XXXX months later ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please see attached letters in regards to my attempts to have my escrow account cancelled. This began XXXX of XXXX. They did not respond to my letter and I sent a follow up letter. Their response for not cancelling the escrow was simply put as " they received the loan like this ''. That is not a legal reason to not cancel my escrow account. When I called and complained they acknowledge that I have the right to cancel my escrow account if it is in a positive balance. They just paid out taxes and the homeowners insurance and my balance is negative, so until I can have a positive or XXXX balance they can not cancel the escrow. I made my payments and in XXXX of XXXX I sent a letter explaining that in one more payment I will have a positive balance, please cancel my escrow. They never responded, I called they said they did not receive it, I could fax it. I faxed it to both their customer service and real estate tax bill departments on XXXX. I called on XXXX and talked to a supervisor name XXXX. She confirmed the receipt of the fax. I received a letter in XXXX explaining they received my inquiry and are working on it. I called on XXXX for an update and spoke to another supervisor XXXX, she explained that she shows no record of any letter in regards to cancelling my escrow account. she was polite and gave me a fax to her and said she would make sure it got to the correct department. I faxed it to her and talked to XXXX in her unit XXXX who said it was received and sent to correct deparment. In XXXX I receive a letter from Bayview stating that since I did n't send paperwork for a modification of my loan, I am no longer qualified for a loan modification. XXXX XXXX I called and was told that was a separate inquiry and that they were still working on the escrow response, should be soon. XXXX XXXX XXXX I called for an update and was told that they have no letter asking for escrow to be cancelled. I spoke to a supervisor named XXXX who said that they have nothing, I asked to fax letter to him so he could get it done because in XXXX they will pay out again and I will be short and not allowed to cancel. He explained that he does not have a fax and stated I could fax it myself to them, offered me the number. I could also mail it. I have attached copies of my letter. I want Bayview to cancel my escrow immediately and I want it done before they pay out taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I got another statement today with funds misapplied again. I am attaching the statement I received and I had to call to have the funds properly applied. I had another complaint filed and they continue to misapply funds and I have disputed their findings on your website. I ca n't get any results. Someone has to challenge them to do things correctly. I ca n't get them to contact me and get anything right. My previous complaint was [ Case number : XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found that my information was combined with another person 's on my transunion credit report, so I contacted transunion and filed a dispute about the incorrect information. However, transunion refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted transunion three times and wasted a lot of time because of this nonsense.

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 2016-12-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a long time wells fargo customer. I use XXXX to download transactions from the bank via their free service for several years. Recently I discovered that they began charging me monthly fees for XXXX banking. The person I spoke to told me that they have waived the charges and credited monthly charges. Additionally, I was advised that I will not longer incur any charges. This conversation with the bank occurred in XX/XX/2016. ON XX/XX/XXXX I started getting charged for XXXX. When I called wells fargo, I was told that they are promoting their competing paid service and I had to pay for XXXX to download transactions. Further they mentioned that the free XXXX issues had to be resolved by XXXX and had nothing to do with wells fargo. 

I spent about four hours with XXXX on two different occasions and could not get the free service to work. The interface to the free service seems that have been discontinued by wells fargo since they moved to a different website in XXXX. It appears that they have sabotaged their free service to start collecting fees from XXXX users. As a matter of principle, this is another example of wells fargo charging their customers by blocking their free service without any notice or updates. 

As a resolution they need to keep the free service up and running or not charge {$15.00} per month for the new service that they have setup. I can provide more details as needed to resolve this with Wells. I have spent several hours in numerous phone calls. They have used their usual tactic to shuttle me around and drop calls. In the end I did manage to speak to the right department and their only suggestion is to talk to XXXX or pay for the service. 

Hope someone from CFPB can help me resolve this with Wells. Barring which I may decide to move my business to a more consumer friendly bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: FIRSTBANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This bank ( XXXX ) seems to be really making a lot of rules on it 's own and enforcing in one way or the other to the customers. I followed the XXXX to open the anywhere checking account via online. Whatever they asked me to provide - I provided and that 's why the account was also opened. I provided my permanent resident card as part of the account opening process and they accepted it also. Now after opening the account they are asking me to come down to the branch and provide the driver 's license, why?? They have so many rules for e.g. if you have opt for online bill pay but do n't use it - they will charge fees. If one does n't have the direct deposit or certain minimum balance they will charge fees. It seems this bank just want to XXXX and money of the customers. They are not doing any favor to anybody by letting me open the bank account. They are also getting the business. Now they are doing everything to make it hard to do business with them and seems to do everything not to give me {$200.00} cash back bonus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-28
Company: BOK FINANCIAL CORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I make my payments regularly, in advance, of the due date. The bank 's own systems are showing discrepancies in the payment due dates causing phone calls and questions about non payment. The customer facing portals show the next payment due as scheduled, however, the payments I make, on the bank 's side, did not assign to a month. 

The payment portal online shows as a transfer between deposit accounts and the loan, it does clarify where the payment is going to principal, principal and interest ( regular payment ), and interest. Therefore, when paying regular payments, I make 'transfers ' as a principal & interest payment. 

***An example*** {$10000.00} loan, {$100.00} regular payment due monthly : - I make a transfer ( P & I ) to the loan due XXXX on XXXX, next payment due on the consumer portal advances to due XXXX. 
- I make XXXX 's transfer ( P & I ) on XXXX. Next payment due on the consumer portal advances to due XXXX. On the same day, XXXX, I make a second transfer ( P & I ) to the loan for the payment due on XXXX, which on the consumer portal advances the next due date to XXXX, as it should. However, the banks internal system interprets this as a principal only payment and triggers calls to me for non-payment for the XXXX payment. The consumer portal still shows the payment is due XXXX. 

See attachment for actual case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted this case before. This is what TransUnion responded : Trans Union said : Explanation of closure The Fair Credit Reporting Act allows chapter XXXX bankruptcies to be reported for 10 years from the date of filing. Under the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item unless you can provide new information such as court papers that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the court directly. Contact information for each creditor is provided on your credit report for review. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 

Response We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX California Federal Court was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, California Federal Court chapter XXXX bankruptcy # XXXX reflects a dated filed of XXXX XXXX, XXXX and an estimated date of deletion of XXXX XXXX. TransUnion reviews and considers all relevant information you provide, and we either will make changes to our report based on the information you provide, or we will investigate your dispute by contacting the source of the information. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly. Changes made to your credit report are reflected on the investigation results that are sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the court directly. Please also note that the documentation submitted from XXXX does not address your dispute and can not be used to update your TransUnion credit report. 

I went to the Bankruptcy Court On Line Site, " Pacer '', and entered all the details several times under my Social and It Came up as, " No Records Found '', so in fact it does not exist in any court records. As I stated before they refuse to verify this listing as it has been taken down and was listed in error. Please see the attached document that is from the XXXX, Online Court Site.

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 2016-07-21
Company: ALLY FINANCIAL INC.
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I am ally bank customer - checking and savings bank account. I scheduled a Bill Pay facility to pay $ XXXX to my spouse who is also having Ally bank account. Check was supposed to be delivered on XXXX XXXX, 2016 but it never happened. Moreover to my surprise the $ XXXX was debitted from my account on XXXX XXXX, XXXX how come that is possible? Firstly check should be delivered on time. Secondly money should come out from my account only when the receiver en cashed it? Moreover even when receiver deposits the check into his account it will take 3-5 days for the entire money to be available in his account even when it is ally to ally transfer. So why ally is in a hurry to take money out of my account so early - much before the check is reached the received? I am writing this on XXXX XXXX, 2016 morning. As of now receiver has n't received the check which he is suppose to receive by XXXX XXXX, 2016.

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 2016-04-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I had applied for XXXX XXXX XXXX XXXX More Credit card from Citibank and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to refund of up to {$650.00} incurred towards purchase of new cellphone from XXXX XXXX XXXX after consumer spends {$2000.00} within 3 months. I purchased an XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$740.00} at XXXX XXXX, Ohio on XXXX XXXX, 2015. I promptly faxed the receipt to Citibank Customer care ( Fax No XXXX ) around XXXX XXXX, 2015. The same had been acknowledged by Customer care as well as XXXX XXXX, Executive Response Unit from Citi Bank. I met the purchase target of {$2000.00} within 2 months instead of stipulated 3 months. However, I am yet to receive my refund of {$650.00} from citi bank. Every follow up is met with standard reply that it will take effect in next billing cycle. Today, I have been informed by citibank that they do not have the Fax copy of my receipt and would like me to send it back in order to avail the offer. I feel I have been cheated by the fraudulent advertisements of citibank and Citibank is intentionally misplacing documents to avoid paying the refund amount of {$650.00}. Please initiate suitable action against citi bank for fraudulent activities. Please find a similar CPFB case logged earlier for the same card ( Case # XXXX ). XXXX XXXX XXXX from CitiBank had called up and expressed false intent to resolve the issue. However, subsequent calls barring one customarily lands up on her voicemail which she never cares to return back.

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 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had an incorrect item deleted from my credit report, see attached, Then they confirmed it, sent me notice, provided a new updated report and then secretly put it back on my credit and did not notify me within the five days they intended to do so, a clear violation of the FCRA 's, 5 day notice rule 15 USC 1681, AND ... In addition they did not notify the other CRA 's as required under 15 USC 1681 611 ( a ) ( 5 ) ( b ) see attached,

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 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account is being reported as 120 days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.

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 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There are XXXX accounts that are reporting a bill past due twice same date, same ammount. But it 's on my credit report 2 times. Ist is XXXX for XXXX dollars. The 2nd is XXXX XXXX these are on my report twice each. do I owe these twice or do I owe these once.XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime in XXXX, there were 2 tradelines that negatively appeared on my credit bureaus with XXXX, XXXX  and XXXX. Both were for a creditor named XXXX XXXX with one alleged debt totaling {$5400.00} and the other one totaling {$1200.00}. This was after a Bankruptcy filing. I disputed the negative and inaccurate tradelines and the credit bureaus. They claimed to have verified the debts without provided the method used. So i reached out to Portfolio Recovery Associates LLC and requested full validation of the 2 debts in accordance with FDCPA laws. I never got any response. However the erroneous reporting to the 3 major bureaus continues to damage my credit and hinder me from establishing new credit and secure a vehicle loan and a place to live. I decided to dispute the tradelines again via the 3 credit bureaus. After sometime had passed they were once again verified ony by the credit bureaus and would remain on my credit reports. I then finally received a copy of only a front page of a bill only showing company and amount. There was not full validation of the debt or proof of debt by Portfolio Recovery Associates LLC to inlclude the detailed accounting of how the alleged balances were computed. By them not providing full proof of debt, they are in violation of FDCPA laws and therefore must remove any and all negative reporting to the 3 major credit bureaus otherwise they may be held in violation of FDCPA laws and become susceptible to being sued in a court of law for damaging my credit by reporting false information. As of today, XX/XX/XXXX, I have sent another correspondence to them demanding for removal of the negative reporting from all 3 credit bureaus immediately. They are illegally damaging my credit and ability to obtain housing. I have attached the correspondence that was mailed out to their address on file.

Company response to consumer: Closed with explanation