BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: REGIONS FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
ATM withdrawals while card in my possession and we're not made by myself and not permitted by myself for anyone else to do. Information other than what was told to me by phone representatives or found on website is unknown. 
Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX, Nevada ( 3 ATM withdrawals ) in the amount of {$280.00}, {$300.00} and third withdrawal {$400.00}. 

Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada ( 1 ATM withdrawal ) in the amount of {$300.00}. 

Reported to the phone # on back of card and had card # changed. Case # XXXX and case # XXXX. I have been told that this dispute has been denied and that a letter had been sent to my email. I have not received any written correspondence and continue to call to ask why it was denied as it was reported on XX/XX/2021 when I first found out as I knew I had worked and gotten paid yet transactions were being denied for insufficient funds come to find out this was why. I spoke to customer service rep " XXXX '' employee # XXXX today to infact confirm that I understand correctly what I'm reporting in this complaint is accurate. He still is unable to say why and once more, AGAIN, he will request the denial letter be sent via email to me. I confirmed that they have correct email and mailing address but he said it. Can only be sent via email. I have not gotten anywhere with this. I have not gotten my money back etc. I've made a police report even though upon my first call to this regions bank I was told by regions bank the police report doesn't help

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 2022-06-16
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have been contacted multiple times by my mortgage company, Freedom Mortgage in reference to refinancing. I have advised them multiple times that I have recently refinanced but the calls continue. I have also advised them that I no longer wish to be contacted about the issue but the calls still are occurring on a daily basis.

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 2016-03-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, Fifth Third Bank purchased my mortgage from XXXX XXXX. XX/XX/XXXX, Fifth Third Bank sent a letter informing me of a shortage in my escrow that I needed to pay immediately or increase my monthly mortgage payment. After many calls dealing with unnamed Fifth Third customer service mortgage reps, I came to learn that Fifth Third Bank had decided to pay, or claimed to have paid, PMI payments for periods prior to their purchase of my mortgage. I informed them that the payments had been made by XXXX XXXX in a timely fashion and that any mistaken payment made were not my responsibility. 
My contacts at Fifth Third Bank were supervisor XXXX at XXXX and his manager, XXXX. Both failed to resolve their error and demonstrated poor listening/customer service skill. 
XXXX of XXXX XXXX at XXXX XXXX has been excellent in her service in her diligence and followup in an attempt to show the payments I had made were apportioned correctly and distributed to the appropriate departments completing all requirements by providing documents to me and directly to Fifth Third Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I filed two disputes with XXXX, XXXX  and equifax regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX  XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to XXXX, XXXX, and equifax on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, EQUIFAX OR XXXX. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom mortgage reported me late on my mortgage when I paid it on time. I paid it near the end of the month but not over 30 days late like it is now reporting on my credit report. This really harms me because I am going through a refinance with another lender and they are helping me save money on my payments. I feel like Freedom is doing this so that I have to stay with them as my servicer. The company that is helping me with my refinance and I have been in contact with Freedom at least over a month with no response.. we keep on getting the run around. My credit score due to this has dropped from XXXX+ to below XXXX which is ruining my credit.

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 2020-01-11
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender is has not returned escrow funds of {$1000.00} two months after closing ( XX/XX/2019 ). 

Mortgage was paid off and lender has received payoff funds XXXX XXXX XXXX for Mortgage payoff. 

The funds were wired to their bank ( XXXX XXXX XXXX Bank on XX/XX/2019 ) Lender refuses to reflect the loan as paid off, and continues collection efforts even though they have record of the loan being paid in full. I've called numerous times and been placed on hold for over an hour before being disconnected abruptly. 

My credit report still reflects the full loan amount due, and I have received numerous collection calls from the lender. 

the lender is : XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To whom this my concern or can help me resolve. I have a account with chase a checking account. Chase is the bank that writes my spousal support payments every two weeks. My check are never on time from headquarters in Delaware J.P. Morgan bank. 
I have been struggling to get chase to send me my check on time for the last 4 years. Every responsible of bills and rent in my name depend on my checks they send them late after the XXXX th and after the XXXX of each month for 4 years. Chase has control of my money under a court order demand sign from judge here in the XXXX ca county. Chase has charger me XXXX for each idem. If I get my check by mail its late everything is late. My spousal support money is all I have to live on. They will not work with me at all around 4 years of charges to my account. I have a outstanding XXXX late fees for insufficient funds. I feel they owe me all the fees refunded from 4 years they are in control of my money. They send it when they want they are just making money from me. How can I resolve all my fees refund back for 4 years of chargers when they have control of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.

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 2016-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
My husband and I issued the attached complaint letter to Fifth Third Bank attention Office of the President. We received an apology letter as a response. I do not feel that this is sufficient based on the banks shortcomings in their communication, lack of preparation for the new mortgage guidelines and delays in the closing process. Our closing process was the most stressful situation we have ever experienced and this is admittedly Fifth Thirds fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been having issues with Selene Finance. The company increased the amount of my monthly mortgage payment without properly notifying me. I spoke to a representative to inquire about the increase and a representative stated that a letter was mailed to me. I never received the letter so I asked to have it re-mailed. A few days later I received a letter from Selene Finance stating that I should disregard the letter. 

Selene Fiance has been very unprofessional during their time as my servicer. I was supposed to have a new monthly payment amount from a loan modification that I completed with XXXX, however Selene finance never upheld the terms of my the modification and instead made me do a new one with them which resulted in a higher mortgage payment and higher principal amount. 

Selene has even done minor things which in my opinion are extremely disrespectful and unnecessary such as sending me refund check in the amount of {$0.00} ( a XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: PNC Bank N.A.
State: GA
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 made a payment over the phone with a PNC bank representative on XX/XX/2022 of {$95.00} to pay my PNC Points credit card account ending in XXXX. The payment was processed, however, later returned days later as an invalid account. I called PNC to resolve and after their investigation, they determined that the representative had made an error when entering my payment information into the system, despite my giving her accurate payment details. This was resolved and determined to be a PNC bank error, however, it is still showing on my credit report as being 30 days late on my payment for the month of XXXX despite my making my payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am the wife of a military XXXX and the loan was approved/provided without knowledge. Not sure how. But can this be removed/ resolved. 

NCA Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : Derogatory Responsibility : Individual unkown unkown unkown unkown Remarks :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2021-11-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX appears on my credit report. This is not my name. I have never gone by or used this name.

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 2019-11-13
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AS OF TODAY. I LOOKED AT MY CREDIT REPORT AND SAW that a company that I don't know trying to collect a debt that I know nothing about it says that I owe {$1100.00} to a company called XXXX  XXXX XXXX. I have no ida who XXXX XXXX XXXX is. its not my loan. I have never been contacted by these company 's by mail or by phone or in person. I don't know who they are. they don't show an account number or any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Paypal Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Yea my money was put on Venmo money from car wreck and playing with my money over 1100 fruadulent activitys just give me my money in part ways

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sometime around XX/XX/2018 I received a call from ProCollect stating that they had a collection that belonged to me. After calling them back I realized that my previous apartment complex, XXXX at XXXX XXXX, never sent me the final water bill and instead sent it straight to collections without ever noticing me first. ProCollect assured me that if I paid the collection it would be removed from my credit report, and my credit score wouldn't be affected. Upon getting a credit check last week i realized that this wasn't true, and that my credit score was affected and it showed it was a derogatory account by Procollect. When attempting to contact ProCollect in order to ask them to remove it as promised, the representatives hang up on and put me on hold indefinitely when I ask to speak to a supervisor. This is the only derogatory item in my account, and it's there because the apartment complex never reached out to me in order to pay. I have never paid a bill late in my life and their mistake is costing me the ability to buy a home.

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 2022-06-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
A withdrawal for {$2500.00} is repeatedly being made from two of my checking accounts. I opened new checking accounts and the same thing is happening with the new account. The name is " XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, On XX/XX/XXXX, I received a statement and was informed the payment would be changed from XXXX to {$8800.00} from XX/XX/XXXX for 25 months ( - {$12000.00} as shortage ). I also found out the calculation of the escrow balance was wrong. Chase escrow department has miscalculated on purpose for over seven years since XX/XX/XXXX. My escrow balance should be {$37000.00}. 1. XX/XX/XXXX : {$11000.00} Total amount of escrow I paid ( XX/XX/XXXX - XX/XX/XXXX ) : {$200000.00} Chase paid tax and home insurance from my escrow account : {$190000.00} The surplus of my escrow account is {$11000.00}. 2. XX/XX/XXXX Temporary Modification : {$19000.00} XX/XX/XXXX : Chase charged the county property tax twice. ( {$18000.00} ) Fee extra charge : {$540.00} 3. XX/XX/XXXX Permanent Modification : {$6400.00} Overcharged Escrow Advance : {$6400.00} 4. I paid {$480.00} more for the payment of XX/XX/XXXX 5.  Total surplus amount of 1, 2, 3, and 4 is {$37000.00}. 6. The discrepancy of the balance is {$49000.00} Therefore, I dispute {$12000.00} as shortage of my escrow account. Chase has been playing around and cheating with my property tax and document fees for over 7 years. I have been calling the customer service, the escalation department, and the executive office for over two months. I have contacted over 30 representatives, but they did not listen to my claim. I urge Chase to correct miscalculation immediately and the surplus amount should be applied to my principal. At the same time Chase should adjust my monthly payment. On XX/XX/XXXX, Chase informed me that there was no mistake and Chase would not adjust the payment.

Company response to consumer: Closed with explanation