BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-10
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received an annual escrow account disclosure statement on XXXX XXXX, XXXX that shows a shortage due of {$6400.00}. My homeowners insurance , county and city taxes have each gone down when compared to bills paid in XX/XX/XXXX. If a shortage existed last year why was there only an increase of {$96.00} monthly for escrow ( {$1200.00} for the year ). Either they have serious accounting issues or they are ripping me off. When I called the Customer Care Department and selected the prompt for escrow the person was unable to answer my questions. Escalated to Sheriff. During this conversation it was clear that the analysis they sent me for XXXX failed to properly disclose amounts paid in XXXX for the higher tax amounts. The timing in the escrow analysis has caused this huge discrepancy. Why was the first analysis performed XXXX/XXXX/XXXX and adjusted again ( down ) on XXXX/XXXX/XXXX then the next analysis not performed until XXXX/XXXX/XXXX resulting in two years of higher than originally scheduled tax amounts to be due. An adjustment should have been made earlier to prevent a negative escrow balance of over {$5000.00} to result in a 14 month period. This is unacceptable behavior from a mortgage company.

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 2022-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
1 ) First, my XXXX savings account was converted to Citizens One Deposit Saving account without my permission in XXXX. The Citizens One Deposit Savings Account has a monthly maintenance fee of {$4.00}. 
2 ) Second, Citizens makes it incredibly hard to close account. They don't allow to do it online or in writing or in-person visit to a branch nearby. Citizens bank don't even operate in Washington state where I live. The only way to do this is via a phone call and the current wait times are more than 45 minutes. I have tried staying on call multiple times and one way or other it gets up not being answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my right to privacy and reported information without my written consent which is illegall and against the law. 

Below are the codes that were wrongfully used.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604. It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX has harrassed me for months with unsolicited calls and vociemails, and by reporting wrongfully used information, my credit score has drastically dropped by XXXX points. 

I would like this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Collection Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
The credit card company claims that I owe them money, but I traced every charge transaction to a payment. I called them to go line by line to show them that they were paid, but the company has refused to help me all three times I 've called. They keep transferring me to different people or departments, and no one can help. They keep repeating the same formula for how the amount is calculated, but they do not seem to be interested in me telling them that the calculation does not line up with the activity. They do not seem to want to recalculate the charges versus the payment to see my side of things, but instead keep referring me to different departments or people. I 've called three times already and now have to call again. I would like them to listen to side and follow the charges versus the payments as I have done. Also, I 've tracked the payments and show that I 've over paid on a few items and the balance should actually be a credit balance, and in fact they owe me money instead of me owing them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On  XXXX / XXXX / 2017 , I closed my Bank Of Ameri ca account- I tal ked to some sack of  XXXX  named  XXXX   XXXX  who refused to provide me with a written letter. I was extremely careful to change all automatic payments over to my other account and have no pending debits. Having not received a printed statement in the mail for many, many years, suddenly the usurious company, enabled by bank deregulation, has begun sending me account statements about the account I closed. The  XXXX   XXXX  did give me a sheet of paper that is labelled as my " Account Closing Summary '' and yet they suddenly are treating it as though I have an account. It 's threatening and it 's total  XXXX  and I want the  XXXX  account closed permanently. This company has stolen hundreds if not thousands of dollars from me in fees over the years and I do n't trust them to not find some reason to charge me now.  XXXX  Bank of America.

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 2020-03-04
Company: BARCLAYS BANK DELAWARE
State: SC
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:
This company is being inconsiderate, I have tried for a number of times to find resolution with these company but all efforts are in vain. I had a XXXX XXXX XXXX in late XX/XX/2018. The XXXX was not 100 % successful, it turned up to be a nightmare as I had to stay in the hospital for further checkup. In the process, I was unable to work and suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt XXXX XXXX 
My condition was so bad that I could not manage my finances for a period of time. As a result, fell behind in my monthly payments for that period. But after I recovered that is late XXXX that year, I have been making my payments in time ever since. It was never my intention to be late. As a matter of fact, I could not work during that period as I was recovering from XXXX XXXX. After I recovered around XX/XX/2018, I have maintained a perfect record ever since. Also, keep in mind, if it were not the XXXX XXXX, this account would have never fallen behind. 

Attached herewith is the letter I sent them earlier

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 2015-12-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, 2015 I contacted XXXX XXXX XXXX XXXX to pay off my vehicle. I paid using a Fifth Third Bank credit card. The total due to pay off my car loan was {$7400.00}. I went ahead with the transaction. This was considered a point of sale purchase. On XXXX/XXXX/2015 when the transaction posted for {$7400.00} to my Fifth Third Bank credit card, i noticed there was a cash advance fee for {$290.00}, I immediately called the bank and of course immediately i get a bunch of runaround. However this was not a cash advance and I will not pay 24.99 % when i already was paying that to XXXX XXXX XXXX prior to paying of the loan. So what did i gain by paying off the loan to get the same interest rate as XXXX XXXX. I contacted XXXX XXXX on XXXX/XXXX/2015 and they advised me that they did not process this card as cash or a cash advance, and that Fifth Third Bank back end processing converted it to a cash advance. I disagree with what has happened and i expect a serious resolution or my next step is to see an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX is reporting a past due account on all three of my credit reports but i have no recollection of this account and it needs to be removed immediately! i have filed a FTC affidavit and have attached it below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by my mortgage company ( Freedom Mortgage ) about refinancing. It sounded too good to be true since they said it would not cost anything. I verified that the company was legitimate and decided to pursue on XXXX XXXX 2016. I have a few rental properties and the loan officer asked some questions and he incorrectly filled out an application for me. I told him that there was missing information and he stated " you already have a loan with us and you qualify only on your income so it should be fine ''. Well once it got to underwriting, they have been slowly asking me for information for a complete financial snapshot which I understand. It is now XXXX XXXX and I have no idea when the refinance will be completed. They are apparently still missing some information that could have been requested at the time I initially provided all of my information. To top it off, the most recent loan documents that they sent me have changed the terms of the loan. It seems like a bait and switch.

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 2019-10-20
Company: EQUIFAX, INC.
State: IN
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:
I have made several attempts to remove a fraudulent account from XXXX XXXX XXXX that was placed on my Equifax report. As a result I have filed a idenity theft report with the XXXX XXXX XXXX XXXX XXXX. Please see the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I'm XXXX  XXXX  senior recently laid off and need your help. 
Paypal didn't pay me a refund of {$2600.00} that I am entitled to as a customer protection warranty. Also, Paypal has limited my account to the point that I can't even transfer my remaining balance of {$270.00} to my checking account. 
The {$2600.00} owed to me is a refund for an item that I bought on XXXX on XX/XX/2022, and returned to the seller because it wasn't as described. I followed Paypal 's directions correctly in order to get my refund. 
The seller received the returned item as it is stated by the tracking information from USPS express mail. 

Paypal has ignored all my verbal and written messages, and finally, the customer representative told me that their system algorithm " has decided to block my account indefinitely ''. 
There is not a clear explanation from them about this problem. 
Sincerely, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
1st Disbursement XX/XX/XXXX XXXX XXXX parent plus loan variable rate XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. 4.61 % XXXX XX/XX/XXXX XXXX XXXX XXXX. 4.86 % XXXX XXXX. 4.61 % XXXX. XX/XX/XXXX XXXX XXXX XXXX. 8 % XXXX. XX/XX/XXXX XXXX consolidation loan XXXX balance XXXX XXXX original principal XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX all payments were made on time Navient has repeatedly ignored the moratorium and hurt my credit... further they phone me 2 times per day to demand paymen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
re case # : XXXX i paid off the loan on XX/XX/XXXX, i applied for the title on DMV website and i received the title, ( there was no lien on the title ) on XXXX i got a letter from DMV stating that Chase is the owner of the car and there is a lien on my car! after contacting DMV via phone, i got to know that chase has put another lien on my car car AFTER I PAID OFF the car mid XXXX and Chase is the lien holder. 

i have contacted the associate who was working on my case twice : XXXX XXXX twice ( via phone and via email ) but there is no response. 

can someone look into it and tell my WHY there is a new lien on my car while it has been paid off?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2022 I applied for a XXXX program through XXXX  XXXX  XXXX on my mortgage with Chase, which had come out of a forebearance. I had been pre-approved for $ XXXX or so. XXXX XXXX opened the XXXX application on XX/XX/2022. I submitted my extensive application on that date. I received confirmation that the application was complete and I needed to do nothing else. 

I let my mortgage company- Chase- know that I was applying for this, and a servicer had actually helped me with some of the financial details of the application. I have kept them up to date on the process almost weekly since that time. 

Note that Chase can not " see '' on their side of things that I have applied for anything. They say that a XXXX party servicer is handling the XXXX program. 

I was approved by XXXX  XXXX for the XXXX program. The next step was they submitted - by computer - a request to Chase for documentation - details about my mortgage, so the application could be completed. 

They have received nothing back from Chase since XXXX. 

At the end of XXXX I had a mortgage person at Chase and a person at XXXX  XXXX on a 3-way conversation ( with me ) to talk about this. That phone call was recorded by Chase for my records- and XXXX  XXXX was notified that it would be. 

I have had extensive email conversation with XXXX  XXXX to follow up - they have also asked me to ask Chase for an extension on my forebearance arrangement because of this HAF process. I did and was granted one until XX/XX/XXXX. Obviously, that date was missed. 

Today I spoke to a supervisor at XXXX  XXXX about this and was told there is nothing anyone can do - it is a federal computer system for XXXX talking to a federal computer system for Chase. They have rec 'd confirmation that the request to Chase was received. This means we just " need to wait '' - because Chase is soooo big and they have soooo many applications around the country. 

This just can not be the way it is. There must be some guidelines and rules and regs that Chase would be under to manage the program. Chase, right now, seems to be completely unaware of my application, except for the notes I have asked to have continuously written into my file. 

My loan # with Chase is : XXXX My name is XXXX XXXX XXXX XXXX  XXXX labeled my name as XXXX XXXX XXXX The address is XXXX XXXX XXXX, XXXX, RI, XXXX My email is : XXXX My phone is : XXXX The mortgage XXXX  application is being process by XXXX  XXXX - XXXX XXXX XXXX  - ( XXXX ) XXXX I am attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Newrez mortgage company violated federal law 1024.37 ( c ) ( 1 ) ( i ) by sending me a notice of forced insurance on my home. The first notice violated 1024.37 ( c ) ( 1 ) ( i ) because they informed me that they were purchasing insurance inside of the required forty-five days notice from the date coverage ended due to being dropped by my insurance company. My coverage ended XXXX/XXXX/22, they sent the first notice of purchasing forced insurance on XXXX/XXXX/22. They received my new information info on XXXX/XXXX/22, the date they also cancelled the forced insurance. There was no reason to charge me for insurance they chose to purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Freedom Mortgage Company
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage received double payments on my monthly loan. When I realized what was going on I asked them to stop pulling payments as I had payments already pulled for my loan. I asked for the additional payments to be refunded back to me. The customer complaints escalation team confirms 3 bi-weekly payments were duplicated. However each time I call in - NO one will give me a number to call them back and NOONE has a direct line or an extension for me to call back to. Each time I have called I speak with anyone new. each time we have the same conversation ... they want to only reimb me 1 payment. Each time it always concludes with yes they owe for 3 bi-weekly payments and that the money will be mailed. I wait, after NO refund -I call back in and start the complaint all over again. NO notes are placed in my file, No one that I talk to has a direct line or even an extension for me to call. They all promise to expedite the refund, but no payment is recieved. I started this process on XXXX XXXX! on XXXX XXXX I was given only a portion of the full refund owed me. Again when I called, I was told they first show no refund, then they will pay one and then this last time they need my XXXX payment in full before they can reimburse the " additional " payment that has been on my account since XXXX. I feel I have been patient long enough. I also feel that if I were late on my payments I would be charged interest and a late fee! My bill stated if my payment is not received by a certain date I will be assessed a {$42.00} late fee. I now think they should pay me interest as well as a late fee for the days I have waited for my refund.

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 2016-11-03
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refinance through Freedom Mortgage on XXXX/XXXX/16 and did not receive a request for needed documents until XXXX/XXXX/16. I then sent the documents requested to them by e-mail on XXXX/XXXX/16. I e-mailed them on XXXX/XXXX/16 because I had not heard anything and they let me know my appraisal would take place on XXXX/XXXX/16. On XX/XX/2016 I was informed by e-mail that they needed me to re-send the documents I had already sent ( they were identical and not changed in anyway ). I was then asked to send the same documents again on XXXX/XXXX/16. On XXXX/XXXX/16 I was asked to sign an additional document and returned it the same day. On XXXX/XXXX/16 I informed them by e-mail that I would be filing a complaint as I still had not heard anything on my loan. I received a phone call letting me know the loan was in underwriting and they would contact me. On XXXX/XXXX/16 I received an e-mail requesting updated information that I sent to them the same day. I have been told my loan is still in underwriting. Are there rules as to the time frame in which they need to be responding to me or a time frame for the underwriting process. This has really been a nightmare. They keep asking for the exact same things. They have contacted my employer multiple times and my employer informs me they keep asking the exact same questions. I would really just like to get the loan closed. Is there anyway you can please, please help 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 2022-02-28
Company: WELLS FARGO & COMPANY
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:
playing games and denying my claim over a fraudulent charge 0f {$1700.00} on my 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 monetary relief