BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: NETWORK FUNDING, L.P.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
During the refinancing process of negotiation and in order to meet a competitor 's closing cost, Network Funding LP 's mortgage broker agent XXXX XXXX XXXX ( XXXX XXXX XXXX ), promised to reimburse me for the appraisal cost in the amount of {$450.00} ( in addition to discounts ), and promised to send me this check after closing the refinance deal. I accepted the offer from Network Funding LP ( XXXX XXXX XXXX ) company under these terms referenced above, and we proceeded with the refinancing agreement. A few weeks after the refinance closure, I had n't received the check and I had to remind XXXX XXXX about this term of our agreement via email, over and over again and she kept saying she would send the check in the mail. This misleading treatment from XXXX XXXX, back and forth, occurred throughout a XXXX month period and I have yet to receive the {$450.00} check. On her final message dated XXXX, XXXX XXXX made a statement that I should have received the {$450.00} check in escrow ( changing the terms of the refinance negotiations I had accepted along with her three months of emails proclaiming the same ). On XXXX XXXX, 2016, I emailed XXXX XXXX requesting her supervisor 's contact information and she refused to do so. Then on XXXX XXXX, 2016 I emailed Network Funding LP ( XXXX XXXX branch manager ), XXXX XXXX XXXX, regarding XXXX XXXX 's lack of follow-up and the non-submittal of the {$450.00} check, and have yet to receive a single response from Network Funding LP. I find their treatment of my refinance transaction and account as unethical and fraudulent. Please accept this formal complaint and please advise if there is anything you may assist me with, on this matter. Grateful for your time and guidance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased a tour with my CITI card in XX/XX/2019 because it offered {$5000.00} in trip cancellation and protection insurance. In XXXX of 2019 this benefit was cancelled for new purchases but I have been assured that since my purchase was before the cancelation that it is still in effect. 

My tour company requires that I send the benefits wording in writing. I have called the benefits vendor ( CITI ) multiple times to get a written copy of these benefits. I've been told verbally that I do have the benefits but have been refused written proof. 

I had saved links to the original benefits but CITI had already removed those web pages and replaced it with current benefits. So without written proof, that CITI is refusing ( multiple times ) to provide me, these benefits will not be recognized by the Tour Company.

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 2020-03-05
Company: FIRST FINANCIAL SERVICES, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Your choices don't exactly fit my situation, but if you look at the online call reporting sites you see this is obviously a debt collection scam. A phone message comes in from XXXX or a similar number with a recorded message stating this is an effort to collect a debt and I or my attorney must call back to XXXX. They never mention my name or their name or the name of the company to whom I supposedly owe the debt. The message always cuts off right before they are supposedly giving a reference number. I have not called back, as this is not a toll free number, but others who have reported this number ( the XXXX number ) have attempted to call back and they are hung up on when they start demanding information about the supposed debt. Apparently the entity using this call back number does this every tax season. I am in the middle of Chapter XXXX bankruptcy. No legitimate debt collector would be calling me.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: ME
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 had account with a credit union. The direct deposit from the VA was not properly routed. Deposits were made in cash, at a local credit union branch. On XXXX XXXX, 2016, payments were made via bill pay. Some payments cleared, while others were returned, some payments were returned multiple times. This in turn caused over XXXX dollars in bank fees. Unknownst to me at that time, some utility payments, as well as credit cards payments were returned by the bill payment provider. These payments were coded to appear as if it was myself who refused these payments, therefore causing 30 day lates to appear on my credit files. Also, I have had a utility terminated due to this, as well as another utility suspended. I contacted my former credit union, to receive a contact number for this bill payment service. Upon contacting this company, the call suddenly terminates without my speaking to anyone in regards to this matter. Never have I had a bill payment service approve payments while there are insufficient funds in one 's account. Also, this company has not mailed me at the address on file with the credit union, in regards to this matter. The credit union did reverse the fees in regards to this matter. I also closed my account with the credit union, due to this.

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 2015-08-06
Company: Northland Group Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received several calls from Northland Group at XXXX ( I had to look them up on line ) as well as calls with no caller id asking when I would be at home to serve me papers. They will not disclose who they are or what debt I owe. I do not owe any debts and they say I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2015-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had a Capitol One Credit Card. My wife had XXXX, and we realized we were over our heads with credit cards, so we turned them all over to XXXX. It has been great, all show current on our credit report, except for Cap. One. They refuse to change their status to closed, they show they utilize 43 % of our income, so we can not get a home loan from anywhere. They say their policy is to show it open and late until it is paid off in full. Their balance is over {$400.00} and we can not pay it in full right now. They kept us from getting a bank home loan and a USDA home loan, I have spoken to everyone I can get to at their offices with no help. They wo n't change it, even though they have been paid their required payment each month for almost 3 years on time each month. We are in our XXXX. We live in a small rental trailer that is very old with a lot of issues that pose problems to our health, well being and finance. We want a small home of our own. When we applied to USDA the first of this year, we were turned down because of this one account. They refuse to show that they have been paid and are being paid through the consumer credit service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Conducting various transactions with PayPal, a handful of transactions have caused me issues. Specifically transactions for the first part of 2020. While the transactions have bounced back and my bank deemed not paid, I continually have hundreds ( currently approximately {$500.00} ) in NSF Fees. Further, PayPal constantly transfers an amount at a arbitrary date of their choosing. Every time I get a notice, there is no express indication that they are going to retry a payment at a specific date ( example, we will retry payment in 3-4 business days ). The emails do not provide a specific date. I am unable to keep up with the transactions, I have attached the transactions from PayPal for the last 2 months, and my bank account transactions for PayPal. Additionally, I attached the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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:
INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Byrider Franchising, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/17 I was notified by my XXXX carrier, Capital One Bank, of {$4000.00} in fradulent charges to the XXXX online store. My XXXX had been hacked and my identity was used to make the purchases. The hackers were able to change my password, lock me out of my XXXX, manipulate my e-mails, remotely print out a gift card from my XXXX and foward my telephone calls to a bogus cellphone number in order to keep me from discovering the hack. In investigating how this could occur, I discovered that XXXX enters into surreptitious ( probably financial ) agreements with certain vendors to provide them with updated credit card numbers without the knowledge or consent of the cardholder ( also true apparently of XXXX and others ). They call it the " XXXX account updater ''. That process is what allowed the fraud to occur, as XXXX did not have an active card on file for me. The charges should have been denied, and that would have immediately ended the fraud attempt. XXXX told me on the phone that I could " opt out '' with the issuer ( Capital One ). Capital One said it was XXXX responsibility. In a three way phone call that I initiated that included myself, XXXX and Capital One, they just argued about who had responsibility. The Capital One rep denied even knowing about the updater procedure, and actually said at one point that someone at Capital One that neither I nor he " would ever be able to talk to '' may have entered into such an agreement. Neither would reveal the opt out procedure to me. It seems to me that these behind the scenes deals made without the consumer 's knowledge should be outlawed. At the least, we should be able to " opt in '' if we view this as a personal convenience ( beyond the huge convenience that it obviously provides for the vendors ), and at the very least there should be a clear and easy way to " opt out ''. For the consumer, who is at risk of monetary loss as well as massive inconvenience, to be excluded from the decisionmaking process regarding the release of his personal information is completely outrageous. 
I filed a complaint with my state 's Attorney General 's Office Of Consumer Protection, and they advised me that your department has oversight on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Portfolio Recovery to settle a debt with XXXX XXXX and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CCS Financial Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
{$870.00} Medical bill was paid off by me to original creditor, XXXX, invoice # XXXX. Then a credit collection agency, Credit Collection Services ( CCS ), put the same unpaid bill on my credit report as a collections account in XX/XX/2022 ( reference CCS file # XXXX XXXX XXXX ). I called CCS phone XXXX to talk to CCS on Tuesday XX/XX/2022 and spoke to representative named XXXX XXXX and then spoke to CCS XXXX XXXX XXXX XXXX. They both stated that they will update my credit report to show the CCS account as paid in full. Their CCS records show the account has a XXXX balance already. I told them the CCS account should be deleted because CCS can not collect on a debt I paid off with the original creditor. CCS staff refused to listen to me and said my account will not be deleted on my credit report. I kept telling me to delete that collection account off my credit report because they have nothing to collect from me and the original creditor already has the money from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Oracle Financial Group LLC.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone from the compa ny Oracle Financial Group LLC is  calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Harley Davidson Financial Services Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I came to a payoff agreement of XXXX with the credit collector in XXXX to pay and close the account which I did. It posted and updated as closed onthe other XXXX credit bureaus but XXXX. Ive sent documentation showing. Ive contacted Harley, credit collector and repeatedly XXXX. Each time its we have the information and proof you sent it should update in XXXX hours and everytime its wrong. Its taken forever to get a solution and the report fix and to be right. I need it updated ASAP please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I got an e mail stating their was unusual activity on my account. My card had been used in ATM at the XXXX WA  XXXX, successfully draining my account of {$1000.00} in total. There were two withdraws of {$300.00} and two of {$200.00}. I immediately called and filed a claim with the Bank of America fraud department and a bit later went in to the bank and talked to one of the bankers about the situation. I was relieved to hear that they would put the money back into the account while they did an investigation. The woman at the bank assured me that there would be no issue or chance of my money not being reimbursed and the woman at the bank even went as far to tell me, " We don't even really investigate for fraud under {$5000.00} ''. I was shocked when I received a letter from Bank America yesterday stating that my case is closed and that their " records show the transaction activity in question was authorized and posted correctly to your account. When I spoke with a gentleman in the fraud department this morning I was told because the bank has no way of knowing how the their got my pin number they can not verify fraud. How am I suppose to know how a criminal got my pin number. I am so upset. You trust your financial institution to keep your money protected and they have not done anything to even try. I asked for copies of the documents that they relied on to make their decision and was told that there was none. Basically, they did absolute nothing and my family is out over {$100.00}. This is not acceptable. My husband and I were confident that if we ever had the misfortune of being victims of fraud our bank would protect us.

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 2015-10-22
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed Credit Collection Services on my account when I was denied credit in XXXX of 2015. I disputed this debt with the credit bureaus and I sent a letter to this collection agency requesting validation of the said debt. I never got a response back from them and they continue to verify this debt as mine to the credit bureau which is a violation of the FCRA. I can not make them give me this information but I can certainly report them for reporting it without proper validation. This mark on my credit has caused me damages and if not resolved immediately I will take necessary action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX, 2022, I attempted to send {$1000.00} to recipient XXXX XXXX via Paypal. The money ( {$1000.00} ) was subsequently removed from my XXXX bank account and forwarded to the wrong email address for the recipient. I did not designate the address utilized by Paypal for the individual who received and accepted the funds in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was recently contacted by Wells Fargo Bank with regards to an unpaid balance on a line of credit. The account had been closed for years. The last record I have of it was a series of 6 balloon payments in XXXX to satisfy the amount due before closing. Regular auto-payments were also established in XXXX. 

The premise of the conversation was that I owed roughly $ XXXX, but they would accept $ XXXX for a very limited time. Without access to the account, statements or records to justify their claim, I had to make a choice : 1 ) Make it go away for $ XXXX 2 ) Let them send me to collections I chose option # 1, not because I believed their claim, but because I believed they would send me to collections without any financial justification. 

Financial data security should be paramount, especially if you are a top 4 banking institution. The Wells Fargo rep, who was most likely decentralized and working from home, asked for payment. I was not given the option of a secure method of payment. No Wells Fargo payment portal with a verified amount due. So now my options were : 1 ) Give my payment details over the phone 2 ) Let them send me to collections I suggested a 3rd option, that I would pay at the branch. They reluctantly agreed. I went to my local branch the following week but they had no record of any such payoff amount, only that $ XXXX was due. I called Wells Fargo and they now said that the account had been charged off, sent to collections, and that $ XXXX was now due. How did that just happen? 

The whole process felt like a scam. Wells Fargo has given me nothing to justify any amount due and I was not in reality given the option for secure payment. Whatever offer it was, it expired a week earlier when they hung up the phone. 

I dont know how this is going to turn out for me, but I do know that no financial institution should be allowed to operate with such loose security standards. Their security should be audited and no one should be forced into a situation like this. 

Wells Fargo recorded our conversations. Everything said here can be verified.

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