BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company forced a homeowner 's policy on my account EVEN THOUGH I HAD PROVIDED and maintained coverage. They increased my monthly payment and opened an escrow account without my knowledge or approval. Since I was on a paperless plan, all of their communications were going to my spam folder, and I was unaware of all this for a period of 3 months. They have sensed reduced my payment back to the original amount, credited my account for the unnecessary forced homeowners policy, however they refuse to refund the balance in the escrow account I never requested nor was aware of. The representative, " XXXX '' who is handling my case called today and informed he he was " extending the case '' ( for the third time ). He refused to give me any explanation and also refused to let me speak with his supervisor. Since they have already reduced my payment AND credited me back the policy premium, there is absolutely no reason to delay refunding my escrow balance. It was been almost 45 days and he originally promised me that the case would be closed by XX/XX/XXXX. He extended it to XX/XX/XXXX, and now again until XX/XX/XXXX. The only possible reason is that they are keeping my money to earn interest. I therefore demand that they add interest for every additional day they refuse to refund my money. 

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 2019-06-10
Company: Asset Management Outsourcing, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Looking to repair my credit and looked on my credit report and saw this collection agency. I'm unaware of any dept owed, what it's for. Haven't received any notices, copies of original contracts, validation of dept or signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Overnight a credit was reversed on my account. The purchase was reported as fraud and they also submitted a dispute. The purchase was made on XX/XX/XXXX but some of them claim it was made on XX/XX/XXXX, regardless they issued me a credit to my account and a month later,,,,, reversed it back and left my checking account negative XXXX when they took XXXX. I emailed XXXX and submitted proof from the post office and from XXXX via email that they both : 1. Understand that I never received a package and verified this via email. 
2.They knew where it was and it was on the XXXX XXXX XXXX XXXX XXXX CA and never went back out. 
3. The post office signed me up for informed delivery so I could have proof in court and they would not be liable. 
I will attach proof of the verification and I want the bank to stop pulling credits they issued to me because they had to be approved in order to be issued to me and someone is trying to steal money from me knowing I submitted proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out the person who borrowed money for auto loan was not me.

In the document, the address was not mine when the person who used my name and SSN. I am pretty sure the Wells fargo does not have a copy of my driver 's license. The address on the document was not mine. The Wells fargo must have a copy of the deiver 's license of the person who used my name and my SSN. Worstly, the vice president of operation in the Wells fargo, her name is XXXX, she did not check names ( on the driver 's license and SSN 's ) accurately and sighned on the paper.

Wells fargo must send me the copy of driver 's license as a proof that the person is myself if they believe the person is myself. However, I am 100 % sure they do not have a copy of my driver 's license.

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 2019-06-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019, I reached out to American Express for a second time do to payment issues and was forced a second time to call my bank on three-way with them. The representative from American Express placed me on hold to call my bank, and then proceeded to use my social security number and other personal identification to log in to my bank account through my banks automated system without my permission. The representative should not have used my information to access my account without my permission, instead they should of three-wayed me in to allow me to enter that information. I am frustrated and concerned because I have to go through this process every single time I make a payment indefinitely and I am concerned that American Express employees are going to continue to access my banking information with my personal information without my permission. I asked to speak to the manager, who said she agreed with my concern then proceeded to brush me off. I would like to know what American Express is going to do to protect my identifying information going forward, since they insist I call every time I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022 I sent a cashiers check for {$31000.00} to pay off my lease to US Bank. Today is XXXX XXXX and I have not received a title, lien release or other documentation for this car that I possess and own in theory. US Bank claims the they mailed documents but can not verify this. I was told they would re-issue the lien release 2+ weeks ago, and have since received nothing. This is unfair practice and behavior for a major bank.They have proven themselves incompetent in all aspects other than cashing my check.I have no ability to sell, trade or even change the loss payee on my insurance policy. Any automobile dealer would be subject to punitive actions for such behavior. Just making a late payment on the lease would come with a stiff penalty, why are they held to no standards.

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 2021-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company called " Portfolio Recovery Associates '' keeps contacting me from different numbers. This is their XXXX  page : https : XXXX I don't know what debt they are trying to collect. They always ask for more and more information. They call me all throughout the day from different numbers. I don't know how to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX pioneer credit recovery sent me a wage garnishment notice on behalf of the department of education. I sent a request letter on XX/XX/XXXX requesting an oral hearing. I never received a date or response to present myself in person at a location before a hearing officer. On XX/XX/XXXX I received another letter stating I needed supporting evidence with no time given to gather my supporting evidence with one loan discharge application and needed help filling it out. I requested the lenders information on XX/XX/XXXX and never received the information and that i had requested an extension to gather my supporting documents and i was never granted the requested or received a response. Now on XX/XX/XXXX they took upon themselves to make a final decision without granting me a fair hearing. the company garnished XXXX XXXX of my wages. I am forced by this company into hardship facing an eviction and utility bills disconnections and no transportation or food.

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 2023-08-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This loan is reporting wrong facts. I do not owe XXXX XXXX paid XXXX. XXXX paid gap XXXX. Warranty refund check of XXXX was paid and refund on gap XXXX. Was applied. The rest of loan is recycled and I have a due payment on XX/XX/XXXX of XXXX. This payment is current. I am not late. Nor have I ever been late. They reported me 30 days late and behind. I want this all updated amounts and no lates. Remove all lates.

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 2023-08-31
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
paid balance in full XX/XX/2023 including charged late fee. Comenity proceeded to charge interest and late fees for 6 months on nothing but the interest on late fees. Called and closed on XX/XX/2023. Comenity refused to address the situation and reverse all late fees and interest on the late fees which shouldn't have been incurred due to the balance already paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine {$3300.00} FCRA Violation : credit card not mine XXXX {$460.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$880.00} FCRA Violation : other loan not mine XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1000.00}

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 2022-12-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigated my credit report, there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate and correct the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: MORGAN STANLEY & CO. LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2011, we lost our home in XXXX XXXX, Indiana, in a short sale. Our mortgages were being held by XXXX XXXX and XXXX XXXX. Neither of these companies still exist ( or so we have been told ).  We lived in Illinoos at that time and recently received a letter from the Treasurer of Illinois that they are holding funds as unclaimed property due to an Insurance claim that was submitted on our behalf as a result of the final inspection of the property ( something apparently to do with hail damage to the roof ). 

Since the funds are assigned to both mortgage companies listed above as well as ourselves, how is it possible to receive these funds? 

Is there anything at all that can be done?

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 2023-08-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received and deposited 2 bank checks into my JP Morgan Chase checking account associated with the sale of US domiciled property where chase bank was the mortgage lender Chase bank also received a bank check from the same financial institution for pay down of the mortgage loan balance. 

Chase processed the check to pay down the mortgage loan within 3 business days but put my checks are on hold for 7 business days. Despite repeated calls to release the funds, chase continues to hold and is not depositing the sum into my bank account. They say they must speak with the financial institution before releasing ( which they presumably have already done, given they released /processed the funds the institution had addressed to Chase ). 

Chase refused to work on resolving the release of my funds unless I remained on hold while they tried to contact all necessary institutions and individuals. I was told if I hang up, they will move to the next case. After 2 hours on hold they tell me they could not contact the institutions and my hold would persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company " Credence '' keeps on calling every phone in my household. When I say hello, it is silence and no one answer. We have never received a dunning letter from this organization either. They are not advising what is going on or what this is for. The calls are constant and very disruptive. We do not do business with collectors and we are not given a method to make it stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2014, I discovered my mortgage principal debt was overstated originally by XXXX, while trying to sell my home. My mortgage servicer, Nationstar was notified, but refused to correct the over statement of principal, failed to refund me principal but interest Nationstar over collected on top of additional amounts of undisclosed increased interest caused by Natiosntar. 

Nationstar filed and unlitigated petition for foreclosure, to charge unearned fees. 

Nationstar accepted an over payment XX/XX/2014 and is currently refusing to apply the full payment leaving 9 outstanding unearned advance fees without payment applied, and refusing to refund a remaining amount of equity retained by Nationstar of {$2400.00}, to which is and has caused 3 years of inaccurate credit reporting that Nationstar refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: CA
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:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous complaint with Nationstar Mortgage was looked into deeper by the company regarding a sum held in a suspense account that was not applied to a payment, thus making every payment following that late. After the  XXXX  review, Nationstar admitted fault, stated they would go back and change the VOM, but have not yet completed this. The payment history was completed, but not the VOM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: OH
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 XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a voice mail from the XXXX County Courts ( In North Carolina. ) I was given a fake docket number and was told legal papers were to be delivered to the respondent, but they were calling to make sure we did not have covid symptoms.

I called the court house and my name is nowhere to be seen. I see this supposed law firm has a lot of information about scamming people.

There would not be a docket number yet, if I was not served papers. They were sloppy, and their docket number is not the right format.

I agreed I would pay {$500.00} if they could prove to me that I owed this {$7000.00} debt that I believed I had settled two years ago.

The letter received was not professional, as the paralegal did not even sign it with her position title. 
The scammer company is XXXX XXXX XXXX, from XXXX, New York, and the phone number provided to me from the supposed court person matches their google listing. This tells me it's an actual company but it's likely they do not practice law.

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 2023-07-26
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was originally on a COVID forbearance plan. I was able to resume payments. I went back and forth with LoanCare regarding the COVID-19 Advance Loan Modification ( ALM ) that I should have been eligible to receive. I had received a letter that I would be eligible for that but then all of a sudden it changed and they did something else, raising my payment instead of lowering it. Every time I try and call, I can not get through and no call back. And no response to emails.

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 2022-12-23
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation