BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-30
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XX/XX/2016 I received a call from someone who called herself XXXX XXXX from Integrated Recovery Services at XXXX. It was about my brother-in-law, XXXX XXXX. I told her we did not want to be contacted anymore about my brother-in-law. We are well aware of his poor financial choices, and do not choose to be a part of his downward spiral. She called back three times in the next five minutes and tried to lecture me about my attitude. I would like to file a complaint because one time was all it should have taken before this woman stopped calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent PRA a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called PRA back in XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with PRA in  the past and they were removed without me paying a dime. They are conducting illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo Debt collection ( XXXX ) has been harassing me!! They call me during the week as well as nights and weekends. They have called me on Saturdays and Sunday BACK TO BACK. I have a recently started to collect a call log of every time they called me. They have called me many times before I started to take a log, but unfortunately I have no proof of past calls : ( I feel harassed and disturbed!! I literally had to use an app to block there calls as they would call SO OFTEN!!! XX/XX/XXXX : XXXX PM, XXXX pm and again at XXXX PM, XX/XX/XXXX:XXXX, XXXX PM XX/XX/XXXX : XXXX PM and again at XXXX pm XXXX pm and again at XXXX XXXX PM XX/XX/XXXX XXXX PM and then again at XXXX PM XX/XX/XXXX XXXX am and then again at XXXX am\ and then back to back at XXXX PM XX/XX/XXXX : XXXX am ( 2 times ) XXXX ( 2times ) XXXX PM ( 2 times ) and XXXX PM ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) XX/XX/XXXX XXXX ( 2 times ) Today ( XX/XX/XXXX ) I called this number from Wells Fargo XXXX and spoke to someone to tell them I want to cancel my credit card and they transferred me unbeknownst to this number # XXXX and when I tried to make a payment arrangement the lady on the phone told me since my account is past due I have to make a minimum payment of {$220.00} to " stop the phone calls '' I confronted her about these long list of harassing calls and she did not even apologize for harassing me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Beginning XXXX XXXX, 2015 I began reporting this charge on my account : Pending-POS Debit - XXXX Check Card XXXX XXXX XXXX XXXX - {$9.00}. Each time I followed the instructions of Navy Federal Credit Union ( NFCU ) representatives ; which was to submit a report of a fraudulent charge and cancel my debit card. Since my initial complaint, I have cancelled XXXX ( XXXX ) debit cards and yet this charge continues to appear on my account monthly. Moreover, there has been no resolution presented by NFCU other than to continue to cancel debit card after debit card and since this is a recurring problem cancelling my debit card has brought no resolution. Matter of fact, the number of cards I 've cancelled and have had reissued has caused a hardship for me with other ( authorized ) creditors. I have asked over and over for a way to block this charge from being charged to my account, to no avail. The latest representative recommended that I contact the vendor, who is unknown to me and I explained as much to the representative but it fell on deaf ears. I am frustrated and out of options of how to end this recurring unauthorized charge from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CORELOGIC INC
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.

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 2017-02-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our house was badly damaged by Hurricane XXXX almost four months ago. We have filed insurance claims for both wind and flood damage. Our major claim for flood damage was finally approved and we received a check made out to my wife and me, Wells Fargo, our primary mortgage holder, and XXXX where we have an equity line. We were very excited to receive the check so we could get our house repaired. Most contractors here want 50 % payment in advance. When I brought the endorsed check to our local Wells fargo bank, I was told that the manager would not endorse the check. We had to send it to the wells fargo Loss Protection Group and they would distribute the funds to us as the work was completed. That was the first we heard of anything like that. We filled out several forms and uploaded documents to file our claim for reimbursement. We were told that we had to have XXXX single contract for all of the work required. I said that we would like to save some money by doing some work ourselves and using multiple sub contractors. I believe that a form has been filed to allow this, but have not received any decision. I have talked with XXXX people at Wells Fargo Loss Protection and i have their names. XXXX was a supervisor who was very pleasant and helpful. She said she would call us the next day ( which was early this week ) with some answers. I have left several messages for her and received no response. 
We are living in the upstairs bedroom of our house. We just had our main contractor install insulation and drywall so the house is sealed up. The first floor is bare concrete since nearly all the flooring was removed due the the flood. It is very difficult to live with no plumbing in the kitchen and there is dust everywhere from the drywall work. Since the major damage was from flooding, there is no relocation allowance so we have no alternative but camping out in our house. 
We would like to get the restrictions removed from the insurance reimbursement check so that we can pay our contractor for the work already done and get the rest of the repairs scheduled.

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 2015-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I made XXXX payments in XXXX XXXX for {$7.00} and XXXX for {$410.00} both made within 24 hours of each other. WF credited my {$7.00} payment to XXXX and my {$410.00} payment to XXXX then charged me a {$25.00} late fee. I have called customer service twice and was told on XXXX XXXX that I made my {$410.00} payment too early. I have requested that the payment be applied correctly but am getting no where. I am now receiving " homeownership counseling '' letters from WF when I have never been late on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal limited my account without warning or reason stating " your account has been limited '' with no oppurtunity for appeal. I have called them nearly a dozen times to get this resolved and no one will give me any information other than " you have violated the terms and conditions '' or " PayPal will no longer to do business with you. '' Since limiting my account, they have held my funds for more than 180 days, despite them saying that 's when I would receive my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a first time home buyer and purchased my home XX/XX/2014 I have a FHA mortgage. My mortgage was sold from XXXX XXXX to Carrington Mortgage by XXXX. Everything went smooth has this is not the first time my mortgage had been sold. Carrington sent with out warning a few months into making payments to them ( always on time ) that I was in " intent to foreclosure '' due to a late payment. I have never been late. So when I called to ask the original statement given to me was that " XXXX did not receive a payment from me prior to the sale of my mortgage '' I called XXXX and they had no record or notes of contacting Carrington of a missing payment. Also they noted that there was no missing payments on the account. They would never sell a mortgage that was not in good standing. They ( XXXX ) spoke with Carrington and sent documents to verify. Carrington begin again calling me with harassing phone calls. Customer Service agents clueless of what was going on and stated all they knew is that I was missing a payment. Carrington would not allow me to speak with the " research department or assign me direct contact with one individual to handle the case '' I received numerous harassing phone calls. The latest correspondence was from a XXXX XXXX who stated she just needed a bank statement from XXXX XXXX XXXX to prove the XX/XX/XXXX payment was made to XXXX. ( XXXX has been contacted multiple times at this point and is baffled by the poor customer service and statements that Carrington is making ) I went above just sending a bank statement I sent multiple statements for the entire month, with written explanations. I also sent documented from XXXX " proof '' of said payments. Carrington is now wanting my signature on documents. Another stall tactic. I have sent plenty of proof documented and verbally. Prior request and documentation has been sent and they never once asked for a signature on any documents I have sent. Also note on latest correspondence no visible name or readable signature of who/whom the correspondence is from. See evidence attached. Contact for additional evidence and recorded phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan is serviced by a company called LoanCare, LLC. My loan closed on XXXX XXXX of 2015. LoanCare claims that it began reporting my home loan to the credit bureaus 60 days after the loan closed. However, to-date, none of my credit reports from XXXX, XXXX, and XXXX reflect my home loan. I have contacted LoanCare twice by phone and three times via email ( at their request ) to resolve this reporting issue. I was contacted around XX/XX/XXXX and told that the issue had been resolved, and that my home loan would begin to appear on my credit reports on XXXX XXXX, and that I would be called and emailed to confirm that the numbers were reporting. It is XXXX XXXX, I have received no call nor email confirmation, and my credit reports are still void of any home loans. This issue has become particularly taxing because it prevented me from obtaining a competitive interest rate on a recent auto loan. In addition to that issue, my parent 's, who were co-signers on my loan, have also not seen this home loan appear on their credit reports. Recently, when trying to purchase a home of their own, they ran into multiple speed bumps in the process because the mortgage company could not account for my home loan on their credit reports. Their mortgage company, XXXX XXXX XXXX XXXX, called LoanCare, LLC to inform them of the problem. LoanCare 's response was that they have been diligently reporting the loan since XX/XX/XXXX. Since LoanCare is clearly not competent nor capable of reporting my loan information so that it appears on my credit reports, I am requesting forcible action from the CFPB so that I may receive the correct credit score that I have earned, refinance my home, and obtain competitive interest rates on other loans.

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 2016-09-23
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX XXXX XXXX XXXX XXXX filed for garnishment of my wages and my company was served on XXXX XXXX XXXX. Full payment was made on XX/XX/XXXX to XXXX County Superior Court. As of XX/XX/XXXX Cooling & Winter LLc has not requested the funds from the court. Full payment was made to the court and they still have the money because Cooling & Winter has not requested dispersment. Item is still showing on my credit as open and is greatly affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have deragatory marks on my credit report that I am disputing because they are false. The amount of debt they are claiming I owe is {$1100.00} I have paid and continued to pay the direct physicians office on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted them directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection company " IC System '' that has been mailing me notices that I have a collection with them, but they are trying to collect a current loan that is on auto-pay with my on my credit card. I have confirmed with my credit card company that the monthly payments are going though thus I am CURRENT on my monthly loan payments! This company is trying to scam me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For approximately the past 3 months I have been receiving recorded phone calls from Harris & Harris, a debt collection agency ( that is stated in the recording ), instructing me to call a number with a XXXX area code. My name is never mentioned, nor is the reason for the call. They call at various times throughout the day or evening. Sometimes they skip a week, other times they call 3 or 4 times in a week. On one occasion they actually called 3 times in the same day! I am on the " do not call '' registry but obviously to no avail. Thanks for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I requested a copy of a check I wrot against my second mortgage ( line of equity ) with PNC bank almost 2 months ago and have been getting nothing but the runaround. I 've spoken to XXXX ( XXXX ) different individuals and they all would say they 'll look in to it and call me back, but they never do. I 've left XXXX messages for XXXX XXXX XXXX at XXXX XXXX XXXX to no evai. I 've begged him to at least return my calls regardless of whether he has any information or not. But, no phone calls from nobody from PNC so far. 
They are sure quick to call when the monthly payment is a day late, but not when you want something from them. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
By XXXX XXXX, 2016, we had made full payment to be applied to our XXXX payment due XXXX/XXXX/2016. That money has been in the hands of LoanCare ( a subsidiary of XXXX, which is a subsidiary of XXXX XXXX, which is owned by XXXX XXXX XXXX ) since XXXX XXXX, 2016. I called LoanCare XXXX on XX/XX/XXXX and spoke with " XXXX '' XXXX XXXX. XXXX who said the XXXX money would be applied within 2-3 business days to the payment due on XX/XX/XXXX. I called two or three days later and talked with " XXXX '' Agent No. XXXX who said that the money would be applied by XX/XX/XXXX with nothing additional due for XX/XX/XXXX. On XX/XX/XXXX, not seeing that the money had been applied to the XX/XX/XXXX payment, I called and spoke with " XXXX '' Agent No. XXXX who said it would be done by XX/XX/XXXX. I asked why now it was XX/XX/XXXX and her response was she could n't speak for someone else. I responded that she had my previous calls in the call log and she agreed. I asked for her supervisor and was sent to " XXXX XXXX '' Agent No. XXXX who said it would now not be applied until XX/XX/XXXX.I said I was just told XX/XX/XXXX and he had no justification for the additional time. I asked for his boss and he called her " XXXX XXXX ''. I asked for her agent number and he said she did n't have one because she was a supervisor. I responded " Are n't you a supervisor? '' He had no answer for that. He said there was no point in talking with her because she would say the same thing. So they have had our payment since XXXX XXXX and have yet to take care of it. And spew XXXX while speaking with their client.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Paypal Holdings, Inc
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I just signed up for a PayPal Account in XXXX 2015 and used it for about 3 months then i got a email that my account was on hold. I called in and they informed me that i have XXXX other accounts that have negative balances XXXX over {$6000.00} and the other almost {$3000.00}. I am a victim of identity theft previously so i informed them of this and they told me to fax the information in. So i called FTC to get the affidavit sent to me with the pay pal accounts added to the list of accounts opened without my knowledge. I sent the information to papal and got denied XXXX times and appealing. I was told pay pal was over the federal government and that i am being held responsible for both accounts and that they are going to keep my money its almost {$700.00} in my pay pal account its messed me up and is putting all of my bills behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Falls Collection Service Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I went on XXXX this morning and there was a change to my account that XXXX had sold an account to XXXX Collection. I have been disputing the validity of the debt with XXXX, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT. XXXX has done this with XXXX different account and is practicing deceptive methods to try and get issues resolved. I have never heard from falls, nor have they sent me anything with and account number or validation. I will dispute this to court if need be s this is quite illegal how they are practicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation