BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from Midland credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XX/XX/XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
FAMS contacted my placed of employment and informed my co-worker personal information about me and that I have unpaid loans. My co-worker informed the caller these types of calls are not allowed and gave the caller with my permission my personal cell phone number. On another occasion a FAMS employee pretended to call to verify my employment and personal information about me for an " application I submitted ''. When my co-worker became suspicious because the caller was becoming rude she transferred them to my supervisor. My supervisor did not feel comfortable giving the caller the information they wanted after the caller would n't verify who they were so he referred the caller to our company supervisor. Then I received a call from our HR department informing me they received wage garnishment papers from this company for XXXX % of my paycheck. I got the company name and number from the paperwork. I called and was transferred to a man who was rude from the beginning. He stated they have called me numerous times on my cell and have not made contact. Which I have never received a single call or mail from this company. I informed him the address he has is incorrect and I have not lived there in over 5 years and that the name he is using is my maiden name. He argued it is my fault my wages are being garnished and that I should 've kept my name, address and phone number up-to-date with them. And since they never received a returned letter that it 's my fault they did n't have current contact information for me. He stated he does n't know the original debtor but that the loan from 2003 came from XXXX and is now at {$9000.00} due to interest but he ca n't tell me the original amount owed due to the loan being consolidated at some point in the past. He had no interest in updating my contact information, resolving matters with me or helping me get the correct forms that verify the debt owed and debtor owed. He very smugly stated several times that all will be resolved now that my wages will be garnished. How can a company who wo n't verify a debt or debtor? Wo n't communicate with me? And violates third party disclosure now garnish my wages for an unverified " owed debt ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 I made a wire transfer from my XXXX account to an XXXX XXXX XXXX named XXXX. On the same day, I received a Wire Transfer and Receipt and a Confirmation number. The next morning, with no explanation given, I received an e-mail notifying me that " Your Wire Transfer transaction has been canceled ''. Moreover, I have ben denied access to my online accounts and the use of my debit card. It seems that I have become a security risk!!! I spent hours upon hours on numerous phone calls, but the bank insists that I present myself in person at a Wells Fargo branch, a thing I can not do since I reside in XXXX. I am forced to take loans in XXXX to pay debts, while my money in XXXX bank accounts is unreachable. I am XXXX years old and can not bare the stain. 
The above is unheard of and simply outrageous.

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 2015-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a HAMP loan modification through Wells Fargo and they have not performed paying XXXX borrower 's incentives for on time payment as noted .... 
Borrowers who make timely payments on their modified XXXX lien and the modified payment resulted in at least a six percent reduction from the monthly mortgage payment used to determine eligibility will receive a " Pay for Performance '' incentive in the form of a principal reduction of up to {$1000.00} per year for five years. This incentives accrue monthly at {$83.00} toward principal. 
Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-being at risk. recently, it was determined that Experian has removed the fraudulent debt collection from my credit report but has not done the same with my wife 's ( XXXX XXXX XXXX ) credit report, which is very confusing being that the same process of deleting fraudulent information should apply to both of 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 non-monetary relief
Consumer complaint received 2016-11-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, On XXXX XXXX, 2016 I opened up a CitiGold checking account after I had received an offer of XXXX TYPs after opening, funding, and using their Bill Pay service. As of XXXX/XXXX/2016, Citi Bank has closed my account without notification and whilst holding funds of {$30.00} in which they are currently refusing to return to me. 
I asked that Citibank re-open my account and honor the original sign-up agreement via their chat portal on XXXX/XXXX/2016 where they declined my request ( see attachment ). In that conversation, I notified them that my account had {$30.00} in it as of XXXX/XXXX/2016, and yet as of XXXX/XXXX/2016, my balance was missing and my account closed. They stated the monthly account charge took my last {$30.00} and they closed the account immediately after that. My monthly service fee was also due on XXXX/XXXX/2016 since the previous fee was paid out on XXXX/XXXX/2016, meaning they collected the service fee earlier than scheduled in order to close my account by XXXX. 
Furthermore, Citibank stated they closed my account due to inactivity, but that is far from the truth. I 've made at least XXXX transaction each month since opening. Either it be bill payments or payment of the monthly fee to keep the account open until my other assets were ready to be transferred over from an outside brokerage. 
If I am paying the monthly fee to use the account, how can they collect that fee and then close my account immediately? 
Why would they do it days before they were required to pay out the XXXX XXXX points per the agreement when I opened the account? 
I have attached what is still available to me on Citi 's website, but I do n't have access to recent history nor old customer service messages since they closed my account. 
Please assist me. 
Thank you, -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 monetary relief
Consumer complaint received 2022-06-02
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a text containing the following scam message... 

Your M & T debit authorize code is XXXX. M & T will never contact you to ask for your code if this wasn't you secure your information here XXXX XXXX XXXX secure immediately to stop payment.

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 2021-04-20
Company: Experian Information Solutions 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:
In XX/XX/2020 XXXX XXXX agreed to remove a LATE PAYMENT from my credit report. It was removed in XX/XX/2020. They then REAPPLIED this back to my credit report after already agreeing to removing. This is the ONLY NEGATIVE item on my credit report. It seems illegal to agree to remove and item and then add the item back on when creditor agreed to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America issued a XXXX statement a month after closing my card. They claimed it was for interest on past purchases today, but when I closed the account I was told I only needed to pay off the statement and I was good to go.

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 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a letter from, '' Commercial Acceptance Company '' alleging that I owe a debt. Pursuant to 15 USC 1692g ( a ) ( 3 ) I am making it clear that I completely disagree with this alleged debt, and I am disputing the entire amount they are claiming. I owe. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g I am demanding they send me verification of this alleged debt or a copy of a judgment. Lastly, my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court 15 USC 1692g ( 2 ) ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Acquired new mortgage XX/XX/2021. Paying extra for principal reduction every month and every month it is misappropriated. Have made several calls and emails about this to correct and asked that a note made on account to correct future mistakes. Same mistakes continue. Property taxes were never paid out of our escrow account even though we have more than enough in escrow. Got warning letter from tax collector that house was going to tax deed auction. I paid the taxes plus late penalty and fee to taxcollector out of our checking account. Called XXXX  company about this and have been passed to multiple representatives who are equally inept to help us in what seems like a straightforward and easy administrative task. It is now XXXX and we have not received our tax money refund from escrow. We have received a letter saying they need more time. after many attempts and wasted time we are at a dead end with this untrustworthy, incompetent organization pretending to be a mortgage company. We need help getting our money back and ensuring they start managing our funds appropriately. Homeowners insurance is due soon and that's also in escrow. I dont have faith in this company after their performance for 9 months.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union has negative information listed on my credit report for XXXX XXXX, and XXXX XXXX which is false. I do not owe these companies any money. I have disputed these accounts, but Trans Union has not removed them. Trans Union lost a class action lawsuit because they were reporting false information on consumer 's credit reports. Why are they still being allowed to do this? I want these lies removed from my credit report.

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 2017-03-03
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company irresponsibillty put XXXX rates on my credit report. The credit bureau received all the information needed to remove this information from my report. I never was late. This has been a consistent problem

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 2016-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a dispute with Experian. I requested for Experian to remove XXXX accounts from XXXX. I knew they had to be fraudulent accounts or extremely old accounts in which I can ask for deletion from my Experian credit report, so I filed a dispute and Experian did not delete, they informed me they are my accounts. This has to be a mistake made. The accounts have date opened in XX/XX/XXXX for each account and I did not attend school during that period. I have been out of school since XX/XX/XXXX in which I can produce proof of this. Also, I did not receive any loans from this organization in my last few years of college I which I can produce documentation. I had no accounts during this period of XX/XX/XXXX. I am not aware of these accounts and never made any payments on the account ; so either these accounts are extremely in which at this time I can request for old accounts to be deleted from my credit report or XXXX XXXX is fraudulent reporting dates and amounts as well as payment history so they can keep on my credit report, which is fraudulent. Again, I am asking for the removal of the XXXX accounts from XXXX XXXX, account numbers XXXX, XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX, a thief opened a fraudulent MACYS/DSNB account ( XXXX ) in my name. I identified the issue on XX/XX/XXXX, by running a credit check on myself and noticing a credit inquiry from MACYS/XXXX, and then calling Macy 's directly to confirm an account was opened. Upon speaking to a representative in Macy 's fraud department, I notified them the account was opened fraudulently. The representative indicated that the account would be marked as fraud. A Police Report with the XXXX Police ( XXXX ) was filed, in addition to an FTC Identify Theft Report ( XXXX ). 

On XX/XX/XXXX, Macys sent me a letter thanking me for my inquiry, and asked to complete an identity theft form, in addition to providing one form of identification. The form was completed and supporting information provided immediately. 

On XX/XX/XXXX, MACYS/DSNB notified Credit Reporting Agencies that I was delinquent on payments associated to my account. These delinquent payment statements are now showing up on at least XXXX ( XXXX ) of the XXXX CRA reports. In accordance to the Federal Trade Commission 's " Notice to Furnisher of Information : Obligations of Furnishers under the FCRA '', when MACYS/DSBN receives information like this with an Identify Theft Report, it must stop reporting inaccurate and/or fraudulent debts to CRAs. It is also the duty of the furnisher of information to correct and update information. 

Upon speaking to a supervisor ( XXXX, Employee ID XXXX ) within Macy 's Fraud Department on XX/XX/XXXX, Macy 's has internally marked the account as fraudulent, but not formally closed the investigation. The employee indicated it will take up to 90 days for Macys to close the investigation. This employee also told me that reporting information to the CRAs was following their standard procedures and was unable to help me at this time. 
In summary, MACYS/DSNB is negatively impacting my standing with CRAs. They are also out of compliance with the responsibilities defined in the FTC 's Notice to Furnishers of Information in the following ways : - Providing CRAs inaccurate information after consumer notified them of identity theft - Not completing an investigation within 30 days

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 2015-12-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXX, I received a notice of changes in terms to my AT & T Universal Platinum card, which I have held for over 20 years. The notice said I could opt out of their new arbitration provision by sending a letter postmarked no later than XX/XX/XXXX. I accordingly wrote such a letter on XX/XX/XXXX, and mailed it the next day, 11 days before the postmark deadline. On XX/XX/XXXX I received a notice from Citibank ( which owns the card service ), stating that my account would still be subject to arbitration " because you did n't mail your preference to opt out by the deadline we established. '' On XX/XX/XXXX I called the card 's customer service line and spoke to a man who identified himself as " XXXX in Arizona. '' He checked on the situation and informed me that my letter had not been received until XX/XX/XXXX. When I asked how that could be, given the date when I mailed the letter, he said, " I guess the Post Office took a long time to get it to us. '' He gave no information about the postmark, which is the determining criterion. He said that, in the future, I could opt out of card agreement provisions by telephoning. When I asked if I could opt out with him right then, he said no, it was too late. When I asked if there would be future opportunities to opt out of the arbitration clause, he said no again, but that " in the future, you can opt out of provisions by phoning us. '' I suspect that the company is being dishonest with me, that they are wrongly preventing me from rejecting their arbitration clause.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I reached out to a company that had my debt to which it told me it no longer had and that a law firm named XXXX XXXX XXXX had the account. I called XXXX & XXXX on XX/XX/2022 at approximately XXXXXXXX XXXX est. at the phone number provided ; XXXX. I have not received any letters or notices from this firm nor have I received any phone calls. However, on XX/XX/2022, my wife receives a phone call from this firm at a XXXX number at XXXX XXXX  est. The person that called my wife was very abusive and berated her over the phone. He cussed her and said he was not going to help her and she offered him my phone number to which he said he did not want it and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been attempting to correct reported information on my credit reports for a collection with expired SOL and never validated. XXXX and XXXX have corrected their records and removed the collection account. Experian however sent a letter indicating they would not re-investigate because it was previously investigated in the past.

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