BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Roosen, Varchetti & Olivier, PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX attorney collection agency Roosen, Varchetti and Oliver wrongfully garnished me for tickets associated with a property I do not own. Their lack of due diligence and investigating who is the proper owners XXXX XXXX, in XXXX MI through XXXX County records resulted my account being garnished in a amount over {$1000.00}. While I was the owner from over ten years ago, they did not find this error until I brought this claim to their attention. I brought this to their attention in XX/XX/XXXX in which they said they would release the funds back to my account. After several communications including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they still have not return my money resulting in a number of circumstances and financial impact. I've spoken with their representatives a number of times, asked for supervisors, and requested to speak with the lawyers associated with this practice and process and had gotten no support or call backs, I've sent communications as requested to XXXX with no response, and contacted their team at XXXX with no support. It's now XX/XX/XXXX and still have not received funds. They refused to reimburse the incurred banking fee 's associated with this wrongful and impact action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
the payments are not apply correctly, already file a complaint once, but this guy who said is a manager there, call me when I was busy and I ask for document that state why they not applying the money I send to the account but he said that I have some credit for the money I send but if I paid off I guess that extra money will be taken by the company and not applied to my loan, this person was more concern on convincing me of writing a good review other then fixing the matter, I just send XXXX dollars and the statement I received shows a payment of XXXX, doesn't reflect the money I sent and want to know where is the rest of the money?. seem like they trying to take my money but I will fight to the end for my money, I have been advised to contact my local police department and show the documents and contract and if they find something wrong will opened and investigation with I will do if nothing is fixed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
State: MO
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:
Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX 5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX 11 )  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 2018-01-23
Company: SLM CORPORATION
State: OH
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:
Sallie Mae has been applying anywhere from one-third to over half of my monthly payments towards interest, rather than all of it applying to the principal, which is what I was under the assumption it was going toward. This is a trick to get me to pay more money in the long run and I did not approve it. I wanted all of my payments to go toward the principal amount of the loan. This is scamming business. Also, they have raised my monthly payments rates despite me having taken out locked interest rate loans. I am supposed to pay the same amount every month and they 've changed it in the last year without any indication that it was being changed or why. This company is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: WA
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:
Wells Fargo Merchant Services is charging my business for fraud. Hackers were able to use my website to " Fish '' credit cards. None of my customers were compromised and no money was taken from myself or the bank. All of the transactions were declined by XXXX. But, Wells Fargo Merchant Services charged my account a " per '' transaction fee and Interchange Charge fees for each of the transactions that were declined - over 50 pages and XXXX tries by the hackers. This happened on XXXX XXXX and I called to let them know and they called XXXX to be sure I had all of their Smart Authorization checks in place and XXXX said YES. I thought it was all taken care of until I received my statement from Wells Fargo Merchant Services on XX/XX/XXXX and they charged me {$52000.00} for XXXX Auth Fees. They said there was nothing they could do about it because they did not have Fraud insurance and and it is the customers responsibility to keep their accounts safe. I have never had any fraud on my account in the 14 years I have owned my business. They have decided to refund me 80 % since they said " I am a good customer. '' Today is XX/XX/XXXX and I still have not received back the money or heard from them.

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 2019-07-15
Company: EQUIFAX, INC.
State: PA
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:
Equifax - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

XXXX. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX  Equifax XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no clue who this is and also they are breaking the law by reporting false information and damaging my credit. This account says it was opened over 7 years ago and that alone is past the statue of limitations right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This account ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX   placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. I now have another account ending in XXXX  with Bank of America with the same problems.

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 2022-10-05
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I asked MyFedLoan to reinstate my parent plus loans back in the middle of XXXX for all my payments that were made during the covid pause. They are still not reinstated and they told me it would take 4-6 weeks originally. Please reach out to my email directly to ask for specific details and I can provide you with anything you need. I am tired of waiting at this point and want my money back that I paid the federal government during the pause that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account Ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XXXX XXXX claim # XXXX. On XXXX XXXX transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XXXX XXXX @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XXXX XXXX in the amount of {$3000.00}, for XXXX again. I called XXXX  on XX/XX/2018 spoke with XXXX and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XXXX XXXX for an temporary credit adjustment for claim # XXXX, but was not issued on XXXX XXXX into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. Account ending in XXXX I had the same problems with on XX/XX/2018.

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 2018-08-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have asked XXXX XXXX XXXX card to work with me to lower my interest rates several times thru the ten yrs I have had this card. And they refuse to do so. I am never late with my payments and would like to be able to pay more on my monthly payments but can not afford too for their monthly payments are to high and I live on Social Security only. Thanks for taking my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a equity loan with Chase bank on my house. It is a 2nd mortgage that is only in my ex-husbands name. I was awarded the property in the divorce and he quit claimed his interest to me. I am the sole owner of the property. The loan went past due and all communications and written notices were redirected to my ex husband. Chase foreclosed and a sheriff sale is scheduled.

I work for a XXXX  and contacted our Director of Collections. He made me aware of my rights as the Successor in Interest. When I called and told Chase that I could easily prove my Successor interest, they clearly had no idea how to handle the situation, even after I provided the divorce decree and quit claim deed. One representative said that my ex husband had to be dead. Based on the recent regulation that went into affect XX/XX/2018, it is my understanding that my divorce situation qualifies me as the Successor. All I want is for someone at chase to provide me basic loan info so I can pay this debt and avoid foreclosure. I have been rotting on hold and have been passed around to people who clearly are not properly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: DISCOVER BANK
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:
I have been trying to work with XXXX  for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and XXXX  refused multiple times to completely BLOCK the Discover Card Account and XXXX Both Fraudulent according to FCRA 605B completely ignoring compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
LOAN ID # XXXX I would like to share with you and file formal complaint regarding my experience during refinance with Citizens Bank. 

I started my application online around XX/XX/XXXX. On XX/XX/XXXX, I received welcome letter, and on XX/XX/XXXX, I received Loan Estimate. Considering I provided all necessary documents and permission to run my credit report before XX/XX/XXXX, but still Loan Estimate took up-to XX/XX/XXXX, to be issued, which is already in RESPA violation. 

My initial loan officer was XXXX XXXX, who periodically called me with assurances everything is going smooth, and we are on schedule to close soon. Since day one, I was sending emails, made calls with request to order immediate subordination of my HELOC loan, and order the CEMA. I new those two documents may take from 6 to 8 weeks to get. But my loan officer told me everything is under control. 

In the beginning of XXXX of XXXX, I started to leave voice messages and sent emails requesting with the status update. To my surprise, my loan officer already left Citizens Bank and join another bank. I never got any notifications who will handle my loan. 

I finally manage to get his manager XXXX XXXX, he also assured me that new loan officer assigned, and will give me loan status by the end of the day. That was on XX/XX/XXXX, as of today, XX/XX/XXXX, I am still waiting. 

It is impossible to get anybody on the phone, and even public number for corporate headquarter is not working. 

I found this very strange and annoying the way to treat customers. 

In addition, I am XXXX XXXX XXXX, and feel I got age discrimination and unwillingness by Citizens Bank to provide me with the services and new loan approval. 

This Citizens Bank employees misconducts create me financial burdens since I am still paying higher rate. In addition, if they would not be able to close my refinance I will have financial damage over {$150000.00} due to my current rate, new rate I was quoted, and terms left on my current loan. I am strongly feeling this misconducts may have legal consequences, and should be answered appropriate. 

I am requesting Citizens Bank to provide me following information : 1. Date when subordination agreement was ordered ; 2. Date when CEMA was ordered 3. Point of contact who can provide me with weekly status update I hope my experience will be addressed properly, because I do not believe any customers deserve this. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Pathfinder Credit Services
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the company and sent them supporting documents that I was a victim of identity theft and I never attended XXXX XXXX school they we 're being Extremely rude I told them another company Had the account before I disputed it with them also and give them a police report and also to all three credit bureaus over the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm just coming home from being XXXX  for the past 7yrs only to find out that my identity has been used and destroyed within the credit reporting system. I'm asking that the following accounts be blocked from my credit file immediately. 

1 ) XXXX/XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX 4 ) 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX  reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
TransUnion and XXXX  both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status XXXX  report XXXX XXXX XXXX as a closed account status. TransUnion report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from 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 explanation
Consumer complaint received 2021-08-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My complaint is with Wells Fargo. I've been with them for the last nine years, and these last two years have been crazy. It's every week that my checking account has been negative. I've called half talk to a total of 4 different representatives, and they have told me other things to do to keep my account from going in the negative, and I had done all of those things. My checking account is still in the negative as of Friday, XXXX the XXXX ; it was - {$300.00}. OK, the 1st representative I've talked to was on Friday, XXXX the XXXX, and she told me to keep a ledger of my spending, and I did that the following Friday, XXXX the XXXX. My account came up negative again, and I called and talk to my representative, and she hung up on me l spent two and 1/2 hours on the phone just to be hung up on by a representative that didn't take the time to hear my concern. And talk to another representative who told me to put all my bills on online bill pay I did that on the XXXX everything seemed to be fine paid a couple of bills. But then on the XXXX that's when everything was back the same I was in the hole with Wells Fargo for {$300.00} and I call and talk to my last and final representative who told me to just start using cash just like he do so I just can't take it anymore I went to the branch and I talked to the service manager and the service manager and she actually listen to me for 2 hours and went over everything in my checking account and when she got to my history of my insufficient funds she said that was enough to have my account reevaluated and put it into escalation and so though I ended up going back and talking to her again that Friday when my account was - {$300.00} was in the negative and I stayed there for 2, and a hours and I'm just yet waiting to hear anything back from Wells Fargo XXXX so this is my complaint I am very unhappy with Wells Fargo, because their over the phone representatives have no compassion whatsoever I was just seen as a number is a number even though I am a XXXX worker I'm worker I have had XXXX I have been hospitalized because of XXXX XXXX From taking care of others and for once I just want someone to take care of me and to listen to me and my concerns because it's not right that every week my account is coming up negative and I am paying my bills I am writing my statements down just to feel as though I am just a number a number to Wells Fargo customer service ...

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