BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 3 books of checks from " TD Bank '' in my name. I do not have any accounts at TD bank and I have not opened any at this institution. I called to report the fraud and they confirmed that someone opened this account using my Social Security Number, they gave me the information to report this issue to the Federal Trade Commission, that website directed me to the CFPB so I can formally submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX and I noticed a fraudulent charge for XXXX XXXX when reviewing my XX/XX/XXXX Citibank credit card statement. The fraudulent charge on XX/XX/XXXX was in the amount of {$280.00}. The charge was made at a XXXX store in XXXX XXXX XXXX. All of my charges from the month of XX/XX/XXXX were in Massachusetts. I did not travel to New York. I immediately called Citibank and let them know about the fraudulent charge and they stated they would have to investigate. Citi bank stated the merchant stated it was an authorized charge. Citibank is insisting i pay for this fraudulent charge and report me to the credit bureau if I didn't. I am disputing it as i was not in the area and made no such charge.

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 2021-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I obtained an FHA home loan from XXXX XXXX in XXXX loan # XXXX. Recently, the tax value was assessed to be {$320000.00}, the value due on the home is {$250000.00} which would indicate that more than 20 % of the home loan has been paid off. I called bank of America XX/XX/XXXX and spoke with a home loan specialist to ask if my PMI could be removed. She indicated that she thought that it could be removed, and that she was able to send a request to remove the PMI which was a good sign. She stated that I would receive a letter with the decision to remove PMI within 10 days. After 10 days had passed, with no letter provided, I called and spoke to another home loan specialist who stated that the loans PMI could never be removed for the life of the loan. The loan officer never informed me of this, instead he stated that at 20 % of the loan paid, PMI could be removed, as I would be able to call and request this. I asked to speak with a manager for further explanation, however after speaking with XXXX for over 1 hour, I was given no explanation because XXXX stated that he did not understand the process and could only read me the letter stating that the PMI could not be removed. I waited for over 1 hour to speak with a manager, however no manager was available. My complaints are : 1. I was told by my loan officer and the first home loan specialist that the PMI could be removed. Had I been told by my loan officer that this could not happen, for the life of the loan, I would not have selected this loan. 2. In politely and patiently contacting Bank of America repeatedly for assistance in understanding the PMI, I was told that no one was available to explain the loan.

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 2022-04-09
Company: RFNA, LP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company Republic Finance on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my Republic Finance Installment loan was sold to a third party collection firm named XXXX XXXX. The original loan amount from Republic Finance was XXXX. XXXX XXXX had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company Republic Finance refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Several weeks ago I discussed terms for a rate reduction program. That reduction was eventually agreed by all parties, after 3 months of back and forth, and the automated terms were agreed to. The program was subsequently denied by a supervisor. I made several attempts to contact that supervisor, leaving several messages, with no response. I left message was left with a different supervisor who works with the woman in question. I communicated my desire to have the original rate reduction terms reinstated, and he communicated that desire to the proper supervisor as well as noted my account. 
Since that time 2 payments have been processed by navient as agreed in the rate reduction terms. On XX/XX/XXXX, I contacted the same department and at the suggestion of the representative set up a new program as opposed to renewing the previous program. I was assured, on a recorded line, that after 3 on time payments at the reduced amount my account would be made current. At that time I made a formal complaint to ensure the additional interest charged would be credited back, and that complaint was confirmed received and sent to the ombudsman. I have not received any communication from NAVIENT or the ombudsman since that time. 
Today, without authorization, NAVIENT debited my account XXXX representing every dollar I have. 

I have more issues with these 3 private loans than I have with all of my other debt instruments combined. I have attempted at every turn to pay my debt, and for years have paid on these private loans. As it stands today I owe more than I borrowed. The conduct with respect to this matter is simply unacceptable. I am trying to fulfill my obligations as best I can, and because of the misconduct by Navient I am being economically harmed. Additionally, this incident is requiring substantial time on my part which is causing me significant stress and straining my job. I am literally begging someone over there to please take ownership of this file and make some positive steps to resolving this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Square Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Made a purchase with a merchant of Square in the amount of XXXX and a XXXX tip. On the day after, I was notified by my bank that Square withdrew XXXX, {$400.00} transactions out of my account, resulting in XXXX. After going through so many loop holes with Square I was finally able to speak with a rep that provided me with inaccurate information along with rude customer service. The merchant did not receive the funds and the bank has notified me that Square has the funds withheld and is fraud, as I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/2019 in XXXX XXXX Texas I walked into a Chase branch and made 3 transactions : 1. A {$5000.00} deposit into my savings account 2. A {$9100.00} deposit into my checking account and 3. A {$5000.00} CD deposit - my first time investing in such a way I set the CD term to be 2 years, and as assured after that time I could decide what to do about it then, so I didn't do anything further. It is now 2  years later and as I'm trying to access that money I've discovered the account was never properly set up - showing it was closed the effectice business day as it was opened but if it was opened and then closed the {$5000.00} never went into my checking or savings, there is no one else with access to my finances who could have done this. I've called customer service about the issue after which they told me to walk into a branch, I walked into a branch and was told to contact customer service again because the " back office '' could only pull up the necessary info to help me, after calling again I was told nothing could be done and as a last resort to walk back into the same XXXX XXXX branch where I purchased the Certificate of Deposit. 

It sounds to me like this is a clerical error and I'm not sure why it's my responsibility to drive hundreds of miles to sort it. I would just like the money that is rightfully mine to be returned to me in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them, immediately after I asked her to speak more slowly due to a XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: I.C. System, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my XXXX and XXXX Credit report a Company name I C System shows up THEY ARE REPORTING A PAST DUE BALANCE OF {$420.00} I DON'T KNOW THIS COMPANY - I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY THIS COMPANY DOES NOT HAVE A WRITTEN AGREEMENT OR A SIGNED CONTRACT FROM ME!

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 2021-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As a hardworking, US veteran, I take great pride in being an American homeowner, and I also take paying my mortgage in a timely manner seriously. My financial hardship began in XXXX of XXXX, when I was laid off from my job at XXXX. Although I was able to find employment at XXXX XXXX XXXX, the salary and hours were greatly reduced. In XXXX of XXXX, I was able to find employment at XXXX XXXX XXXX XXXX as an XXXX XXXXt, again low salary range but great potential for advancement. I was starting to get on my feet financially when COVID-19 hit America early in XXXX. I worked on the frontline during the height of the COVID-19 pandemic. In the Fall of XXXX, schools began closing and my XXXX XXXX job was furloughed indefinitely. I've made numerous attempts to reconcile my mortgage, but have not been able to do so ; I applied for mortgage forbearance, but was declined by my lender. In the month of XX/XX/XXXX, I was hired full time at XXXX, and my salary has increased significantly from my previous salary working for XXXX XXXX XXXX XXXX. Now that I'm in a better position financially, I know that I will be able to make regular monthly mortgage payments. 
I have served my country with honor, and I believe I deserve COVID-19 mortgage assistance with SPS. I would greatly appreciate an opportunity to work with you to put my mortgage in good standing. 
Hardship Milestones : XX/XX/XXXX Laid off from XXXX after XXXX years of dedicated service ( XXXX XXXX ) XX/XX/XXXX Started at XXXX XXXX XXXX at greatly reduced salary and weekly hours ( XXXX  XXXX ) XX/XX/XXXX Began working for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XX/XX/XXXX Began working with XXXX XXXX XXXX XXXX I have paid my mortgage at XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX ) on time for XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. I have submitted loan remodification applications and forebearance plans applications to my mortgage company since XXXX when I got laid off. However, I am turned down each time. Last month, XX/XX/XXXX I was turned down again. Even though I was on the front lines during COVID-19 and I now have a job that pays enough for me to make my mortgage payments, they turned me down without listing a reason. This is unfair and unethical. All I'm asking for is a chance to save my home that I have owned for XXXX years. I appreciate any help that you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: AK
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:
PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX SXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXXT XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX  XXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on XXXX, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: MECHANICS BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a HELOC with 3 consecutive banks, it keeps changing hands. The first didn't charge a yearly fee. The second did and took it out of my saving account. The third not only didn't take it out of my savings, they didn't notify me it was due. I went into the bank for something else, found out, and paid the fee and late fees. They neglected to tell me there was {$0.00} cent in interest, shouldn't have been. Then, without telling me, they assessed 3 late fees on the XXXX cents. I has destroyed my credit. It was over XXXX it is now mid XXXX 's. It was over a month ago that I first notified them. No progress yet and the report now shows and additional month late. This is completely their doing, had I been informed of the XXXX cents I certainly would have paid it. I paid other fees they should not have charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts appearing on my Chex systems report that are not mine. Both are fraudulent accounts that were opened using my personal information. One is from XXXX and the other is XXXX The XXXX account has no identification listed, and the XXXX account has an incorrect identification number listed. I have disputed these accounts in the past to no avail. XXXX account, the XXXX one, was appearing on my XXXX report. However, I disputed it, and it was subsequently removed. However, both remain on my Chex systems 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 2020-03-24
Company: Chrysalis Holdings LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA interest rate increased on refinance then decrease on a VA refinance. first it was with XXXX XXXX, then with XXXX and then again with XXXX XXXX XXXX, for a third time. I suffer from XXXX, and the loans with the XXXX,. I feel that on the first I was taken advantage of by the agent. I was confused and no assistance was given. I feel that I was cheated, and I am unable to understand what took place. I am a XXXX XXXX   XXXX XXXX veteran. I need help to determine the account. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my account was negative XXXX XXXX. I went in the they made me make a deposit of XXXX. Which brought my account out of the negative. My direct deposit and my IRS Taxes came around the same time. IRS state came on XX/XX/XXXX and my federal taxes came XX/XX/XXXX. Which totaled 6,000. They notified me that I was a risk to the bank. My direct deposit came on XX/XX/XXXX. My uncle passed on XX/XX/XXXX. I was attempting to pay for the funeral and move. I am XXXX now that they have held my money so long. I went in the bank roughly 3 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to attempt to get my money. They was about to hand it to me then someone else walked up and said we dont want you walking around with this so we just going to issue a check. I have been waiting on my money out of Huntington bank for bout 2weeks. A person on the phone said my account was not flagged or anything and to walk in the bank and get the money. They keep lying and giving me the run around about my money. I have became XXXX my uncle wasnt buried, and I have been struggling with them just holding my money because of risk to bank. IRS ( government ) money shouldnt make me risk to bank or that bank just isnt for America. Everybody gets taxes and I use the account for direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
{$340.00}, XX/XX/2018. I reached out to the them. This debt is on my credit report and is preventing me from getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CONTRACT CALLERS INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls requesting that I call them back. The rep does not identify the company they 're representing or what the call is in reference to. They call me at least twice a dayXXXX 5 times per week.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M LOOKING FOR SOME HELP BECAUSE THE CREDIT BUREAUS HAVE BEEN IGNORING MY REQUESTS DEALING WITH ACCOUNTS REPORTED ON MY CREDIT FILE.

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 2016-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company did not pay my property tax for the period XX/XX/XXXX. I had a mortgage payment that included impounds for property tax and home insurance. When I returned from a trip, I received a notice from the Tax Collector that my property tax payment was delinquent. I immediately sent a letter to the lender my complaint. After a week of dispute, no settlement at all from their part. 
I have not been late with my mortgage payments for at least 4 years. My mortgage statements of XXXX/XXXX/XXXX up until XXXX/XXXX/XXXX showed escrow payments which I pay on time. What I do not understand is, how can a well known lender like them would be negligent in not paying my escrow. I did not even receive any notice from them that they are not paying my escrow. So I was just paying my mortgages on time knowing that my property taxes and home insurance are paid on time. 
My penalties have increased by the time I made arrangement with the Tax Collector. Since I do not have the full amount to pay my delinquent, I made a payment plan. I paid XXXX % up front and the rest in installments with interests. 
My stress level has gone up because of this. I have sleepless nights on how to budget my money now. I just hope I am not their only customer that experienced this. It is stressful and hearth breaking. You loose respect of the lender 's credibility. 
Thank you kindly.

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