BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a meeting with the Bank Loan officer to refinance my mortgage with another bank. The loan officer steered me towards a Home Equity Installment loan and I proceeded with the application process. I requested information pertaining to terms and closing costs. The Good Faith Estimate I received did not include all the fees or the added interest PNC requires. Later I received a revised estimate that started including more interest and I was asked to raise the loan amount to cover, I agreed but asked for all the documents I would be signing to be sent to me so I could review what type of mortgage I was signing up for since the terms and fees seem to be increasing. I week later I was given another estimate of closing that once again exceeded the previous amount of the loan. I refused to increase the loan amount further and filed three formal complaints with the bank so I could receive the loan documents prior to closing ( so I could be informed about what I was signing up for ). The loan officer at one point stated he would send me the documents but then rescinded that offer. The revised Good Faith Estimate I received did not itemize out the added interest PNC was adding to the closing amount and only had one lump sum. The complaint with PNC has not solved any of the issues and I will not be closing tomorrow as originally planned. I have been charged by my own bank for fax fees that I did not authorize in relation to this refinancing. My hope throughout this process was to be an informed borrower but PNC would not comply with that. Their web site has very generic terms and until yesterday they did not even state the actual name of the loan product. Throughout the complaint process the PNC agent told me the loan was not covered by the Truth in Lending Act which made me even more worried about signing up for something that I could not review ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: SC
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:
Im a victim of fraud. I have contacted Experian numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to XXXX, XXXX, and Experian. In XXXX of this year, both companies XXXX and XXXX. have proofed these was fraud and removed the fraudulent items. The 4 companies that are fraudulent are : 1. )   XXXX XXXX XXXX XXXX Balance {$1000.00} Credit Limit - Usage - Type INSTALLMENT Status Negative Opened On Invalid dat 2. ) XXXX/XXXX  : Balance : {$620.00} Credit Limit : {$370.00} Type : REVOLVING 3. ) XXXXXXXX XXXX   XXXX : Balance : {$30000.00} Credit Limit - Usage - Type REAL ESTATE 4. ) Account Name XXXX XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Open Date Invalid date Balance {$780.00} Debt - Contact Information XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX Fraud Alert Also, on my fraud alert please add the phone XXXX for contact. 
Personal Statement ( s ) XXXX & XXXX-18 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX-18.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
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 they violated my rights. 
Please delete the following items : Chapter XXXX Bankruptcy Case Number : XXXX XXXX  XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 non-monetary relief
Consumer complaint received 2020-04-10
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: Information belongs to someone else

Complaint:
This Account Does not belongs to me This is Incorrect Information this is a fraud 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 non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a home loan through Wells Fargo in 2013. I was behind on payments but had an agreement with Wells Fargo to repay and was told my house would not be put up for foreclosure if I complied. A week later they sold my house at auction and someone showed up saying they bought it and I had to leave. I had over {$100000.00} of equity in the home they took. I know there was a recent judgement against them and I believe I should be included. They have not attempted to contact me as this is the same phone number and email I had back then.

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 2016-10-04
Company: Brennan & Clark, Ltd., LLC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX auto-renewed a policy I cancelled, and stop payment on, then sent me to a very hostile and aggressive collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander Consumer USA is reporting my car loan as charged off from XX/XX/XXXX-XX/XX/XXXX on all XXXX of my credit reports. I have disputed the account as reporting inaccurately with all XXXX credit bureaus and they claim that the account is reporting accurately. I have also sent Santander a letter about the fair credit billing act but I have n't received a response from them either. Santander had my vehicle repossessed in XX/XX/XXXX for 1 day because I paid what they claimed I owed them and the car was returned back to my possession. Since then I have made every payment on time and Santander has not corrected the inaccurate information on my credit report. How could the account be charged off when I have the vehicle and I am still making payments on the car. I also a proof from my online Santander account to show that I am current and still making payments on the car. A charge off only occurs one time and should not be reported to the credit bureaus every month for 2 years as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a new TD Bank Cash Credit Card last XX/XX/2019 after receiving a pre-approved offer. I have excellent credit and have been receiving multiple credit card offers, but my main consideration was a 0 % introductory APR for purchases. I researched my credit cards well, and I know what I signed for.

Lo and behold, I scrutinized my latest account statement ( as of XX/XX/2019 ) and found that I was being charged interest for my purchases from Day 1. I then called up TD Bank Credit Card Services, and now they're telling me that 0 % introductory APR was for balance transfers, and not for purchases. I was in front of the computer while speaking to the customer service representative and found that the card has 0 % introductory APR on purchases. Source : www.td.com/us/en/personal-banking/credit-cards/cash-card/ The customer representative said that this promo does not apply to me since I applied in XX/XX/2019, and that promo is for XX/XX/2019. This customer representative 's statement infuriated me because I know what I signed for. I signed for a zero percent introductory APR for purchases, otherwise I would have opted for another card. I really felt defrauded, but my fault is that I could not find the credit card disclosure statement in my documents. I can not recall if I ever received one.

I am aware that 12 CFR Part 1026 ( Regulation Z ) XXXX requires banks to post credit card agreements on the internet. I searched the customer-facing website for cardholders ( www.tdcardservices.com ) and could not find the disclosure/ agreement that I need. I did a XXXX search instead, and found a disclosure statement, but the date is XX/XX/2019. 

I believe that as a matter of banking transparency, TD bank should : ( 1 ) make ALL credit card agreements available, including an archive of previous ones ( 2 ) make such agreements readily available in the customer website. I should not need to use XXXX to find the agreement, and ( 3 ) customer website should reflect front and center if there are interest rates being levied on the account. The Chase mobile app has this, and I have no complaints.

( 4 ) stand by their 0 % introductory APR offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am aware that as a federally protected consumer, you have no legal standing and are unable to hire counsel, a lawyer vs. a consumer who is protected by the law. This account doesn't even reinvestigated date reported was way back 2020.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
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:
My personal information is inaccurately reported. Rather than fix the problem, XXXX sent me a letter accusing an unauthorized third party made the request. As if I'm not capable of advocating on my behalf. XXXX corrected the report ( thank you ). And Experian never bothered to reply!

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 2017-02-14
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was purchased by Ocwen from XXXX ; this is after my loan had been sold several times before. It was originated at my local bank and sold to XXXX XXXX XXXX XXXX who went bankrupt ; XXXX froze assets and totally made a mess of auto-debits and escrow. However with all the bedlam every time my mortgage was sold, my loan payment was never deemed late AS it was in the aftermath of the XXXX bankruptcy or any other loan servicer. The sale upended my autodebit payment and escrow balance every time. When Ocwen bought my mortgage XX/XX/XXXX ( I believe ) I was simply notified by mail and the uproar began again ; making sure everything was in place did not go well with Ocwen. After the mortgage was sold it was next to impossible to get any service or a person on the phone. This was not because Ocwen had a sophisticated phone system ; it was because the same man came on the phone every time & knew nothing. lt sounded more like an upstart company manned by one fraternity brother left to manage the concession stand than a professional loan company. My auto debit was upended multiple times causing the 30-59 day late payments on my credit report. I did not miss any payments through any fault of my own, it was the poor system Ocwen had in place. There are 4 late payments on my credit report and then a tax lien. IF my homeowners insurance and taxes were being paid by Ocwen as they should have been there would be no late tax payments OR any need for local people down on the square at the courthouse to place a lien on my property. I ONLY know anything about the tax lien because it, along with the supposed late payments, because OCWEN is harming my credit! I had a large loss House fire XX/XX/XXXX and I lost much of my paperwork ; SO I can not produce Ocwen paperwork ; I do however have the lovely tax lien during their tenure with my mortgage. I thank God for Ocwen NOT being my mortgage holder when the fire happened ; I shudder to think how they would have handled the whole thing. I want Ocwen to do the right thing and own up to their fault in my late payments AND remove the blot on my credit. They were a nightmare that just continues ; I have disputed this blot and tax lien several times through the credit bureaus to no avail. I was widowed XX/XX/XXXX and I have managed my household and paid my mortgage all this time ; I as a consumer, and a widow and a veteran deserve better for being a good homeowner and paying my mortgage. I hope something will make them do the right thing, apparently they have acted wrongly with other consumers. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
see attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Confirms All USAA Temporary Credits at beginning of investigation MUST BE MADE PERMANET UPON COMPLETION OF INVESTIGATION. The above isuue took a Year XX/XX/XXXX TO XX/XX/XXXX to Complete this investigation to MAKE TEMPORARY CREDITS PERMANET. see attatched XX/XX/XXXX statement of Beginning Temporary Fraud Investigation Credits XXXX & XXXX XXXX. LISTED AS ADJUSTMENT PURCHASES TOTAL {$1.00}, XXXX. XXXX WHY ARE THESE with cute little minus signs?? XXXX NOT INCLUDED IN THE TOTAL CREDITS LINE JUST UNDERNEATH THEM.?? XXXX MAKING THEM APPEAR. ( ** AS IF** ) THEY TOTAL ON TOTAL LINE AS ALL MATH?? Kindly Note. ALL USAA FRAUD CREDITS ARE HIDDEN INTERNALLY. USAA CONFIRMS WITH STATEMENT XX/XX/XXXX {$1.00}, XXXX ADJUSTMENT PURCHASES TEMPORARY CREDITS JUST PLACED TO BEGIN INVESTIGATION ** NEVER MADE PERMANET. USAA OWES ME {$470.00} FOR XX/XX/XXXX & {$1700.00} FOR XX/XX/XXXX UNAUTHORIZED REPORTED TO BEGIN AN INVESTIGATION NEVER COMPLETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying extra down on my principle every month ( above the required minimum monthly interest and principle payment amount ), but it appears that my payments are partially disappearing against the principle. I have requested additional information on " unpaid interest and fees '' that appear to accrue on my statement every month to no avail. The amount is higher than the actual interest can be possibly accruing. I would like support to understand what actions I can take to locate my lost payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This Morning, XX/XX/2022, I Spoke With A, " XXXX, '' And I Requested DELETION Of ANY CARD PREVIOUSLY Used To Pay Monthly Membership Of XXXX DOLLARS. 
I Also Requested Today 's Prorated Amount As I Am CANCELLING ENROLLMENT TODAY. 
" XXXX Quoted XXXX And I Questioned Why So Much For Just ONE WEEK???? 
I REFUSED TO GIVE MY CHECKING ACCOUNT NUMBER, OFFERING TO PROVIDE SOME OTHER MEANS FOR THIS LAST MONTH 'S PAYMENT. 
PLEASE PROVIDE AN ALTERNATIVE METHOD FOR PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I and another party were victims of a scam. I gave back the funds threw Zelle and they were not sent to that person. Then on XXXX the XXXX an online reversal was done on my account which put it in the negative. I have called the bank and visited the bank where a banker seen that I was a victim of a scam and that my money should be put back into my account. I called the bank on XX/XX/XXXX to find out what was going on in which they told me that they have reached out to Zelle to give me back my money in which has not happened and then I talked to the online banking in which they told me that there is nothing they can do but I need to talk to the person who I sent the money back to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX/XXXX/XXXX I moved out of XXXX XXXX in XXXX XXXX, FL. After moving out XXXX XXXX requested fees they were not entitled to. I filed a written dispute by hand delivery, mail and email within 15 days required by statute. I included a phone number, email and address to contact me. XXXX XXXX failed to respond, rather sending the claim to collections. I found out today XXXX/XXXX/XXXX that Hunter Warfield placed a collections claim on me XXXX/XXXX/XXXX. Hunter Warfield never provided me written notice or an opportunity to dispute the claim. Both XXXX XXXX and Hunter Warfield have failed to comply with their legal requirements, have failed to respond to my dispute of their amount and have simply gone the route of trying to ruin my otherwise perfect credit. I can provide a written copy of the notice I sent to XXXX XXXX XXXX/XXXX/XXXX and if set for hearing I could provide additional witnesses and sworn affidavits proving XXXX XXXX fraudulent, bad faith claims against me. I attempted to call Hunter Warfield today, however they refused to talk to me. They ask if I was ready to pay them, I said no, I do n't owe the money I want to dispute the charge, then they hang up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX ; in XXXX my husband acquired a loan from XXXX.using multiple properties XXXX as collateral. He passed away in XXXX with no insurance on a debt of XXXX. XXXX XXXX changed to XXXX XXXX XXXX XXXX XXXX acquired the loan. XXXX Bayview Loan Servicer took the loan with no record of all pieces of property only XXXX piece. My problem is who the holder of the other property and where is the tax escrow that I paid to XXXX and XXXX because my local tax office is threatening foreclosure for nonpayment of taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
at XXXX point I was having financial hardship, I filed for assistance from the courts, before the completion of the resolution in the courts me and O**** Loan Servicing came to an agreement if I paid the amount I was behind and pay a monthly agreed payment they will re-instate the loan, as of today I have lived in this home for 14 yrs, I have not changed addresses, they did not report correct information to the credit bureau they did not report I paid what I owed and have been making XXXX payments each month. I feel they received funds from me with no attention in giving me back ownership of my home which in XXXX aspect is fraudulent intent, when I speak with a person at O***** they are not assisting they actual speak to me in a tone as if I am uneducated and have no morals, I want fairness in this matter I paid O***** the monies I owed them I actually sold property in which I should have kept in order to save this XXXX if I knew what I knew now that choose would have been differently I feel they are trying to get over, t reporting that the monies I owed was paid in full with interest. I feel also because I do not understand real estate law they are taking advantage of the situation and me. they got the monies I owed them on the promise they would reinstate my loan fully and I would make monthly payments in the amount of XXXX, none of this has reflected on my credit report, no truth to the fact they was paid in full the amount I was behind and have been making on time payments every since. I need assistance in reclaiming my property if I did not have interest in retaining my home I would have not paid the monies owed ( correct ) but my intentions was to keep my home O***** was paid, please help me get my home back. and my credit report corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collector called my XXXXyr old mother up to several times in one day over more than a week, leaving a message, asking for me. Not leaving a personal name, but a phone number and account number. 

This collector is from a landlord dispute that we have from a former apartment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation