BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX XXXX XXXX by telephone at XXXX PST on Monday, XX/XX/2018

I informed the original agent and the supervisor who stated that they purchased my account from XXXX XXXX that I owed more than what I originally owed. I do not have access to statements and believe that they were giving me false information over the phone to induce me to pay the amount owed. It is my belief that the balance owed is far less since the account was a secured line of credit. I offered to resolve the the debt if they would be reasonable about the amount. However this was not the case. I was told that this would remain on my credit report until I settled the debt, of which I still believe is the wrong amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: Stuart-Lippman and Associates, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I starting seeing this debt o n my report. From time to time I request to have it removed and it is then it shows up again on another credit report for similar amounts ( {$1900.00} or {$1900.00} ) but all from    XXXX    XXXX   ( d ebt collector ) -- telephone number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: AR
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I REQUESTED THE METHOD OF VERIFACATION FROM TRANSUINION THEN THEY STATED THE US BANKRUPTCY COURT WAS WHO THEY VERIFIED THE ACCOUNT THRU. I WROTE THE BK COURT AND THEY WROTE ME A LETTER STATEING THAT THEY DO NOT REPORT TO ANY OF THE AGENCIES, I WROTE XXXX XXXX THEY SENT A LETTER SHOWING THE ACCOUNT DELETED AND THAT LETTER WAS SENT TO TRANSUNION AND THEY STILL WILL NOT REMOVE THE BANKRUPTCY. THESE LETTERS OF COMMINACTION ARE ATTACTED IN THE UPLOAD. THANKS FOR YOUR TIME.

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 2017-01-05
Company: WELLS FARGO & COMPANY
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This is a complaint against Wells Fargo 's checking account fees. Wednesday XXXX XXXX, XXXX an e-check I had written arrived at my bank account, typically when a check arrives regardless of how much money I have in my account, it is identified as " pending '', if I do n't have the correct balance to cover the charge, I then have time to deposit the cash and avoid any fees/charges due to non sufficient funds, however on Wednesday XXXX XXXX I never received a notification that the check had arrived and it NEVER showed any form of indication that it was presented to the bank. On Thursday evening XXXX XXXX at XXXX I received an email stating, " unfortunately, on XXXX/XXXX/XXXX your balance in your Wells Fargo account XXXX was insufficient to cover XXXX or more of your checks '' that I would need to go to Messages & Alerts inbox to find out more. My husband and I immediately logged into our bank account online, yet there was no mention of this e-check on Thursday evening at XXXX, it never showed up as pending or insufficient. The next morning we checked online again and it appeared in our account as having arrived on XXXX but not pending, but simply being returned. This transaction bouncing caused me alarm enough that lead me to believe my account had been compromised, I was suspicious that my account was so messed that I called on Monday XXXX/XXXX/XXXX, cancelled my overdraft protection plan, which normally would have taken all my funds from my savings account, I then moved all my money from checking to savings and then put a stop payment on other checks that I knew were going to arrive in the account on Tuesday XXXX/XXXX/XXXX and Wednesday XXXX/XXXX/XXXX, there were a total of XXXX e-checks. Even after paying the {$35.00} fee for XXXX NSF check, I had to pay the stop payment fees of {$31.00} for each e-check stop payment, which was better than having to pay the {$35.00} NSF check fee for all XXXX checks. Today, XXXX/XXXX/XXXX I check my account and Wells Fargo has charged me for XXXX stop payment fees instead of XXXX which throws my checking account into the negative, which caused them to charge me {$35.00} NSF fee AGAIN. It 's NOT just that they messed up my checking account with their lack of reporting my pending transaction properly, they messed up my e-check check cashing service, I had to close those accounts and now have nothing but trouble getting everything back in order. PLEASE help me, I feel like I am a victim of Wells Fargo Bank Bullying. Even when I went to the local branch on Friday XXXX XXXX, they were no help, noone in the branch could tell me how this could have happened and no one could help me to clear up the no-show/overdraft problems, they said I could come back and meet with a banker who may be able to look of the code of why it was not reported on my account, but that was too close to XXXX to get anyone to work with me. I need help, I ca n't argue with this big bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-04
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have tried repeatedly to prove the debt is not mine. I do n't know if someone with the same name or close to the same name as me used this service or what. I am not the responsible party for this debt. In fact, it is the only open debt on my credit report. I do n't know what else to do. I have all my debt paid and I refuse to pay for something that is not mine and it 's the only thing hindering my report. This is not my debt. Please help.

Company response to consumer: Closed
Consumer complaint received 2015-06-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification through Wellsfargo in 2014. Ileft several messages with them including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. Wellsfargo will not acknowledge receipt of my request for mortgage assistance. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. The package has been also been sent several times. I have also been making my payments but Fargorefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because my mortgage company refuses to communicate with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TCF NATIONAL BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got fraud by a group of  XXXX   XXXX  with  XXXX , an account holder of TCF National Bank with Account Number  XXXX ,  XXXX   XXXX  in Texas,  XXXX   XXXX  and  XXXX   XXXX   XXXX  to wire money out on a mistery shopper job.     I received a package from  XXXX   XXXX   XXXX  with the instruction and a check {$1900.00} issued by TCF National bank  XXXX  Account  Number  XXXX .     The instruction said to make deposit to my bank and the money send out by  XXXX .     I also received a lot of Email and text as name on  XXXX   XXXX  and asked me to do it.     I wired out {$820.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX /   17  and {$810.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX / 17 .     After I wired them out, the check deposit was returned and no able to use the check.     I currently lost money {$1600.00}, wire fees {$23.00} and bank returned fee {$25.00} ; totally {$1600.00}.     I have already called and send  Email, but I w o n't be able to contact them.     Please find them and get money {$1600.00} back from them.     I attach all copy 's of the proofs.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Monarch Recovery Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a billing statement stating I owe a debt for {$290.00} for creditor XXXX XXXX. The debt do not belong to me and is a fraudulent account. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: WESTERN UNION COMPANY, THE
State: ND
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/2016 I sent {$300.00} plus a {$10.00} service fee through my savings account at XXXX Bank to Western Union via online. I was to receive an email with the tracking # but no email arrived. I did not have a tracking # and when my son went to pick up the money he was unable to get it. Online at both my bank and Western Union ( using my cell phone # at WU ) I was informed the money was transferred from my account and was at WU. I went online to WU and after 2 hours online and on the phone the rep told me they would resend the email with the tracking # within 24 hours. An email again did n't arrive and on XXXX/XXXX/2016 I called WU again. I was told they never resend an email but they could refund my money and I could resend the money again. After being on the phone for 30 minutes the rep said he had to transfer the call so I could get a tracking # for the refund. I spent another 1/2hr on the phone to finally be told WU can not refund the money and I would have to do that thru my bank. I finally resolved my issue by calling my bank. WU lied to me from the beginning about everything. If I had n't pursued thru my bank they would have kept my money. Their reps do not speak good XXXX and lie to the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23
Company: Credit Central Holdings, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
they are calling my mother threatening her that they will send the constable to my house and that i am XXXX payments behind and discussing my debt with her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Westlake Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Company made a hard inquiry on my credit and i have not asked for any service from the company. Company made a hard inquiry on my credit without my authorization since i have never contacted the company or asked them for any service. Ive called the company multiple times to asked for assistance in resolving the issue but since im not a customer they can not help me. Seems like the company doesn't have any procedure to assist non customers. Credit bureau is asking for a letter form the company stating i do not have any account and that they have not inquired on my credit in order to remove the inquiry from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: CA
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 fair credit reporting act account # XXXX XXXX XXXX XXXX  {$2200.00} XXXX, account # XXXX XXXX, {$600.00} XXXXaccount, # XXXX XXXX XXXX XXXX jewelers {$2900.00} XXXX, account # XXXX XXXX {$940.00}, XXXX XXXX XXXX XXXX  account # XXXX, {$580.00}, XXXX account # XXXX {$580.00}, XXXX account # XXXX XXXX account # XXXX {$140.00} XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, {$27000.00} XXXXXXXX XXXX XXXX  account # XXXX {$1400.00} XXXX XXXX XXXX  account # XXXX {$3100.00} XXXXXXXX XXXX XXXX account # XXXX {$610.00} XXXX XXXXXXXX XXXX XXXX account # XXXX {$630.00} XXXX XXXX. 
XXXXXXXX XXXX XXXX account # XXXX {$3100.00} XXXX. 
XXXX XXXX XXXX account # XXXX {$1900.00}, XXXX XXXX XXXX XXXX  account # XXXX {$680.00}, XXXX XXXX XXXX account # XXXX {$130.00}, XXXX 15 u.s.c 1681 section 602 A.states I have right to privacy 15 u.s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without written instructions

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 2021-01-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current home mortgage is with NewRez LLC dba Shellpoint Mortgage Servicing. I've applied to refinance the mortgage with another bank in XX/XX/2020 and have been approved for a loan. 

NewRez doesn't respond to the closing lawyer 's requests to release the original stock and lease ( the property is a coop ) in order for me to close on the new loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, on Saturday at XXXX, I talked to a Charles Schwab customer service representative. I called to see why my check card could not be activated by phone. After answering all the identity questions from this representative ( address, social security number, and finally drivers license number ) she looked into my accounts. What had happened was that a card from an old account that I closed had been sent and this is why I could not activate it. After my question was answered, this rep proceeded to ask me if I was employed, what colleges I have attended, and what jobs I had worked at. Then she asked if I were going on vacation! I actually thought she was going to ask me what my net worth was! She then proceeded to insult me and say 'I do n't know why you are activating a check card with only this amount of money in your account '. My friend dealt with either this same woman or one like her 2 years ago. He contacted Charles Schwab with a question concerning his account. She asked him why he was withdrawing money from his account and THEN asked him what he was doing with it!! And 2 years ago, after the way he was treated, I decided NOT to use Schwab as my primary bank and closed ALL my accounts except for XXXX checking and brokerage account. Today XXXX/XXXX/2016 I closed the last remaining accounts. 
I complained to Charles Schwab customer service by their online email. I received a response that basically stated that someone would call me. On XXXX/XXXX/2016 a male, who did not give his name, called me and claimed he had listen to the tape concerning the incident in question and said this was further verification for my identity, which is a lie. HE DID NOT LISTEN TO THE TAPE because he would have known that my identity had been verified and the female rep immediately pulled up my account information. This guy was raising his voice at me and justifying what this female customer service representative was asking. I had to yell at him to be quiet because I could not get a word in edge-wise and finally hung up on him and he was still with a raised voice yapping away. My identity was already verified and she was just being nosy. Charles Schwab never knew where I worked or what colleges I attended so this information was not used to verify anything. A nosy customer service representative could easily be tempted to commit fraud or theft with account holders. They are deceptively obtaining information, data mining, in the guise of the verification of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My normal interest only mortgage payments for XX/XX/XXXX and XX/XX/XXXX were sent via mail on XXXX XXXX, 2015 and XXXX XXXX, 2015. Both payments were stamped on XXXX XXXX, 2015. I received a letter dated XXXX XXXX, 2015 that says they are returning the checks because they can not apply the payments. No other explanation was provided. I sent an email on XXXX XXXX, 2015 to a Bayview representative which serves as a formal QWR. The email was read on XXXX XXXX, 2015. To date I have received no response nor explanation for my payments being returned along with other issues concerning the servicing of my mortgage. My XX/XX/XXXX payment was mailed on XXXX XXXX, 2015 and they have not processed nor returned that payment. I am sending the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments today. 
Bayview has neglected to answer any of my inquiries and I would like an explanation and correction to the accounting of my loan. Bayview continues to report derogatory information to the credit bureaus while I am current on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: WESTERN UNION COMPANY, THE
State: DE
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I want to file a complaint against Western Union. 
I made a transaction on XX/XX/2017 from USA to XXXX to my brother. 
The given estimate date of complete transaction was XX/XX/2017. 
But fund still not deposited into receiver 's account. 
The customer care person raised a Case against it and ask me to wait 24hrs ( case raised on XX/XX/2017 ). 
From that day, this 24hrs time is not ending. 
I call customer care daily to ask status but getting same response - " Your case is in under investigation. We do n't know where your money is ''. 
I am so tired of it now. This is the worst customer care service I ever see. 
I also provided them receiver 's bank statement that clears, the money never deposit into his account. 
But still they are not refunding my money. 
Basically they are neither depositing it to my receiver 's account nor refunding it back to me and also not giving me any proof of transaction so that my receiver can go his bank and show them. 
They do n't have value of their Customers. They are like " do whatever you can do, we do n't care ''. 
If Western Union is not able to trace money, why customer should struggle. 
They are also not sharing any timeline to resolve the issue. 
Every time same response. I and my receiver both are getting tortured mentally as well as financially. 
Western Union is just passing days and want to get rid of by saying that we have already escalated the issue however our partner bank is not responding. 
What 's customer fault here and why customer suffer because of this. 
My receiver 's statement clearly shows, money never credited to his account. 
It has become a nightmare for both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2016 I sent a Western Union Quick Collect billpayment to XXXX XXXX XXXX for {$4900.00}. It was never received and posted to my XXXX XXXX XXXX HELOC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiry is unauthorized : On XX/XX/2020XXXX XXXX XXXX  add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation