BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020, I refinanced my home mortgage. The loan was sent to : XXXX XXXX XXXX, ( XXXX ), address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX became the servicer of my new loan ( account # : XXXX ) The loan was then sold to Wells Fargo Home Mortgage ( Wells Fargo HM ) ; XXXX XXXX XXXX, XXXX XXXX , IA , XXXX. ( account # XXXX ). 

During the transfer from XXXX to Wells Fargo HM, an additional payment I made towards Escrow, in the amount of {$5100.00} was not applied to my account at Wells Fargo. 
I have contacted XXXX countless times about the problem ( at least 7 ), as well as many long calls to Wells Fargo HM ( at least 5 ) in search of my payment towards my escrow. 
XXXX states that the funds were sent to Wells Fargo HM, however Wells Fargo HM customer care rep keeps sending me back to XXXX for the whereabouts of my missing Escrow Payment? 
I have been searching for this {$5100.00} of my money for over 4 months ( Since XXXX ). Both companies keep pointing the issues at each other, and not one of them will help address the lost money. 
The second issue is I made several additional complete mortgage payments to XXXX prior to the transfer of the mortgage to Wells Fargo HM, however instead of applying those additional payments towards Principal, they were held in an account called " suspense '' and not applied towards the principal, this increased the percentage of the payment applied towards interest accrued, by not reducing the balance on the advanced payment towards the principal. 
I want the CFPB to help me get my {$5100.00} properly applied towards my escrow account at my current servicer, Wells Fargo XXXX, and verify that ALL payments made to XXXX were properly applied to my new account at Wells Fargo Home Mortgage. 

Thank You, XXXX XXXX XXXX FL

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 2020-07-07
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2018-07-05
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I attempted to use my debit card and it was declined. I contacted XXXXXXXX XXXX and was told that they could only tell me that there is a garnishment and the Law firms name is Frank and Kramer. The woman at XXXX gave me the phone number XXXX to call. I contacted them immediately and left a voicemail stating that I dont understand because I never was summoned or court ordered or served. I then contacted my parents and was informed my mom, XXXX, has been paying a garnishment to Frank and Kramer out of her check each week in the amount of {$50.00}. I attempted to contact the bank again and asked for the court order/ case number. The young lady refused. I asked for the amount of the debt and was given a figure of {$3000.00}. I demanded an investigation. The woman referred me to call back when the garnishment department is in. I informed her that I asked an attorney about this and was told it sounds to be illegal unless I failed to appear in court after a summons. My father called XXXX and was told to come into a XXXXXXXX XXXX and request to be removed as a secondary on my account as I am XXXX and have lived on my own and my money is for my bills to live. XXXX informed him that they could not remove his name, refund the funds or make any changes. He contacted Frank and Kramer and was told they can take everything in my account because my dads name was on my account when we opened a student account in XX/XX/XXXX/XX/XX/XXXX with XXXX. In addition, they drained my sisters account too. From my personal account, Frank and Kramer took the following : on XX/XX/XXXX: - {$50.00} - {$2000.00} On XX/XX/XXXX : - {$250.00} - {$18.00} I now am left without any money to get gas in my car, pay my car payment, pay for groceries, pay rent, pay utilities, get prescriptions that are medically necessary, or pay any credit card bills or other bills. I have XXXX scheduled next week and have no idea how I will pay. My paycheck will be deposited tomorrow and I can not access it now. I am completely without a source of money to live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26
Company: DISCOVER BANK
State: MD
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 received alerts that there is unauthorized activity taking place on my credit profile that I am unaware of. 

The following inquiers accounts are. Reporting to my report on XXXX : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached ) XXXX on XX/XX/XXXX On XXXX inquire for : XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( I do not claim any responsibilities for this closed account attached XXXX Discover bank on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: FL
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 issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened the Synchrony Bank PayPal MasterCard summer of XXXX and set up autopay for minimum balance in XX/XX/XXXX. I have paid off the card in full nearly every month and never missed a payment. 


I checked my card today XX/XX/XXXX and was surprised to see an automatic payment for {$740.00} considering I manually paid {$200.00} XX/XX/XXXX and my minimum payment was more than covered. 


I checked my email - my last autopay change email was in XX/XX/XXXX when I set up the autopay initially, or so I thought. 


In my spam folder, marked as a phishing/spam email, I had received two notifications indicating my autopay had been changed to " statement balance '', and to call a new number if I did not authorize this change. As I never saw the email, I did not get the opportunity to change this - I never received mail or other notification indicating this change. 


When I called Synchrony, they were unable to help me and transferred me to a PayPal number that did not deal with the PayPal Mastercard. I called again about an hour later after attempting to have an ACH stop put on my checking account.

Synchrony said that in 2-3 weeks, I would receive a check for the {$740.00} payment I did not authorize ... they gave no information about what this meant for my credit card payment. Obviously I can't pay my bill if the entire balance of my checking account is floating in the aether for 2-3 weeks. They were unable to give me email or written confirmation that this check would be sent. On the phone they also " upgraded '' my card to a new account with a different account number. I no longer have access to my payment or charge history beyond screenshots I've taken during this entire process. 


I did not consent to the automatic payment of {$740.00}, and now I have to wait nearly a month for the privilege of maybe receiving a check for this amount.

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
Consumer complaint received 2021-02-10
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Companies : 1. XXXX XXXX 2. Genesys National Recovery XXXX XXXX with executive order during emergency covid-19 closed gym without providing services, debit account monthly. I have never received answers and they have never solved my problem since since XX/XX/2020 I issued a request to cancel the contract and they do not cancel according to its clause 10 of XXXX XXXX If they are closed for 90 days it can be canceled without any charge and that is what XXXX XXXX has not done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: T.S. Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The creditor of IQ Data International keep calling about false debt and threatening me over the phone. I told them thee debt was inaccurate but they keep calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I attempted to purchase my lunch with the funds on my American Express Serve card. My transaction was declined. I accessed the AME Serve App that I installed on my phone and saw I had a negative balance. I can not swipe and overdraw this card if I wanted to. My negative balance was the result of AME Serve fraudulently duplicating two transactions from previous days ; one for {$33.00} and another for {$6.00}. I called AME and held for 30 minutes and was told it was a system glitch and the funds would be returned w/i 3 hours. This was at XXXX. Well by XXXX I still did not have my money. This left me in a bind as the money they took was my gas and lunch money. I was displaced due to Hurricane Harvey and am now 45 miles one way from work. With AME serve taking my funds, I had no gas to get home and no money for food and I have no friends or family out here. I attempted to call AME back but was told they were not accepting calls due to technical issues. I called back on XXXX and held for 1.5 hours to speak to someone and was told it would take a day to get my funds back. Only part of my money was refunded back. I did not get the rest of my money until today XX/XX/18. As a result of their system glitch it cost me {$65.00} to get home instead of {$20.00} in gas. I also had to embarrass myself and borrow money from a co-worker for lunch and they charged me {$5.00} in interest. I need AME to reimburse me {$50.00} for the cost I had to incur as a result of them taking my funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our mortgage through NewRez, and we have an escrow account with them to pay our taxes and home insurance. We have never missed a payment. Last XXXX, we received a notice of cancellation of insurance from XXXX. We called and they inform us that they didn't receive a payment from NewRez. After a long run around, we did a conference call with XXXX and NewRez where the agents from both companies exchanged information. Due to the time constraint, NewRez asked for an overnight address to send the payment before the deadline of XX/XX/2020. After a couple days, we called and we were informed that it was processed. We started a refinance with NewRez in XXXX, and today we received an email from the processor that we have no home insurance. We called and stayed for over 3 hours on the phone, they finally found out that the payment was sent to the wrong place and it was cashed but not applied to our account. We found out that NewRez has been charging Forced Mortgage Insurance since XXXX even though they are the ones all along with XXXX who messed up this whole thing. We called today and paid out of our packet for a home insurance to cover our property. since it will not be resolved quickly. We are baring the loss that we have to pay extra for failure to pay our previous policy ( even though as costumers we were dragged between the two, each one of them is pointing finger at the other ). All XXXX could say is, due to COVID all this happened and no one is assuming responsibility for this deceptive and abusive service ( as described by XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Equitable Acceptance Corp
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am called multiple times a day by different people in the office about my debt with them. I know I have this bebt but I am unemployed a d have been since   XXXX   XXXX  ,2017 and I have told them that several time. Their response is I 'm sorry that your not working but this debt has to be paid and until your account is current well will continue to call every 3 days or we will charge this account off as non-payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Credit Karma, LLC
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: Personal information incorrect

Complaint:
I've disputed incorrect address to credit karma in XX/XX/2018, as well as to XXXX on XX/XX/2018. They both are refusing to delete the incorrect address off of my credit report. I've never resided at the address and my name did not appear on their lease. the incorrect address are : - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
The only addresses that should be reported on my credit reports are - XXXX XXXX XXXX XXXX, XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX   XXXX In addition to the only phone number that should be reported is XXXX. I've been denied apartment applications because my credit history reports differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery is reporting an account on my credit report for {$580.00} in collection. 
I send a dispute to the credit bureau on XXXX of 2020 to investigate this account. The credit bureau replied that the collection agency verified the account to them. I sent the collection agency a letter on XX/XX/2020. I requested a fraud packet to fill it out and send it back to them as well as copies of the signed documents they have for this debt. As of today they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I see false or misleading representations on my credit report. There are several accounts that I see listed on my credit report inaccurate and inconsistent. I written the bureaus several times but have not heard back anything from them regarding my dispute letters I sent months ago. I can't dispute online so I came here, my only resort. The following accounts need to reported correctly XXXX XXXX XXXX XXXX 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 2018-07-23
Company: V and H Portfolio
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE CREDITOR IS MISREPRESNTING THE DATE THEY LAST CONTACTED ME THE CREDITOR. I LAST HAD CONTACT WITH THIS CREDITOR IN LATE XXXX OR EARLY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
Company: Credit Systems International, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Systems Intl has added a collection to my credit profile which has severely damaged my credit since I have no collections on my credit report until yesterday. I closely monitor my credit due to identity theft and fraud. They are attempting to collect on a debt from a company called XXXX XXXX. I have disputed this in the past as not belonging to me and the company was unable to validate the debt so it was removed two years ago. Again this debt is not mine and I thought this was established. Furthermore I have received no communication from either Credit Systems or XXXX XXXX prior to to this damaging information being placed on my credit report. No phone call, no letter. No communication once so ever. I was not given my legal right to once again dispute this information and prove I do not owe this bill. This original date of deficiency is in 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX which was paid thru XXXX XXXX XXXX and i finished paying my account when it was closed but i noticed a couple years later there was a collection on my credit report from XXXX XXXX XXXX. I paid it but it is still showing unpaid on my account. This is an overpayment. I have tried to get it removed with the credit bureaus with no success. Please help me to get this removed as it is effecting my credit score for the home loan I'm attempting to get. Any help would be greatly appreciated.

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 2021-02-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).

I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ARS ACCOUNT RESOLUTION or any of its Affiliates nor have I ever engaged in any business with ARS ACCOUNT RESOLUTION in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

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 2020-09-08
Company: PIKE CREEK MORTGAGE SERVICES
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Pike Creek Mortgage company after closing in XX/XX/2020 Did not receive a letter from them had to call to find out how to send in my payment. 
XX/XX/2020 I went on line to ask when my Real estate taxes would be paid as they are due XXXX XXXX got an email back stating they would look into it. two weeks later I called and they stated they had noting on my taxes I faxed the tax bill two weeks later I call again they say they have nothing on my taxes I email them the person on line said ok we now have them one week later I call again and I get told a work order is in for them. today XXXX XXXX I get a message my home owners is past due so I call again they state they have nothing on my Homeowners insurance but in the system I see the amount due acct # so I email them to them and ask about my taxes that are now delinquent that they are working on them. I asked to talk to some one who can help me and I was told no one can help me this company can not handle paying items out of escrow so they should not be in the mortgage business

Company response to consumer: Closed with explanation