BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How are you doing? Can you please help me? During this Covid-19 I  been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/XXXX - XX/XX/XXXX for 30-60 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2016-08-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am following up with a previous complaint I made with the cfbp about Wells Fargo and their foreclosure filing on my home at XXXX XXXX XXXX, XXXX MA XXXX. I have been working with XXXX XXXX on my previous complaint but was advised to update my complaint based on new information I received from the Wells Fargo. Despite the ongoing negotiations during my complaint, Wells Fargo has moved aggressively forward to foreclose on the home. I was told by a real estate representative for Wells Fargo the following information " Yes, we have the F/C deed. I am not sure what information this former is providing you but we have been proceeding with eviction for months. Per my attorney " the Execution was requested from the court today, XXXX/XXXX/16, and takes approximately 7-10 business days to be signed and issued. We will advise once received and issued to the constable for lockout scheduling. '' One of the major issues with Wells Fargo is they have never followed the steps they outlined to me as part of my original loan modification that was going on earlier in the year. What concerns me is that I was offered ways to save my house in XXXX 2016 but nothing was ever confirmed by Wells Fargo since they kept changing my contacts to handle my situation. I have also been told multiple times that Wells Fargo did not receive all my documents, despite the fact I faxed these documents multiple times. During all this, I learned without having any decision, my house was put up for sale by Wells Fargo and sold to their real estate division for {$250000.00}. I wanted to make sure Wells Fargo had received all the required documents for my loan modification which I sent in XXXX and again on XXXX XXXX, 2016. The documents I sent to the bank at that time were listed as Wells Fargo requirements for loan modification which included Explanation of Financial Hardship, Homeowner Financial Assistance Form, IRS Form XXXX Request for Individual Tax Return Transcript. Documentation to verify all income of the borrower ; and Dodd-Frank Certification Form. As part of my initial complaint I asked to have Wells Fargo to confirm they received all these documents which they have continued to fail to do. They also provided timelines of giving me a decision which again they have failed to do as described. I was advised to file this second complaint based on the fact that Wells Fargo continues to ignore my requests and are moving forward with the home foreclosure. I have not been even given the opportunity to do a short sale which based on its current valuation is probably going to be a very small amount if that since the house and property is currently valued at XXXX even though my mortgage was {$210000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing of XXXX XXXX XXXX, XXXX XXXX TX XXXX -telephone ( XXXX ) XXXX. Fax ( XXXX ) XXXX. 
I have a mortgage from this organization. 
They have forced flood insurance on a property which does not require it. 
I have written on 4 occasions pointing out that the latest FEMA map shows the property outside the flood zone. 
OCWEN IGNORS ALL CORRESPONDENCE AND CONTINUES TO CHARGE FORTHIS UNNECCESSARY INSURANCE. 
This is surprising in a company which was the defendant in a class action law suit for forcing insurance and which settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS WILL BE MY LAST ATTEMPT TO HAVE THIS DEBT VERIFIED. IF THIS DEBT IS NOT VERIFIED, I WILL BE CONTACTING MY ATTORNEY. 

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that  XXXX XXXX/XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs,  including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX/XXXX XXXX. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  bank portfolio Recovery is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of {$50.00} and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX/XXXX/16 I decided to take advantage of an offer I received from Chase Slate, using a balance transfer check to pay for an emergency home repair. I carefully read the terms outlined in the letter for the process of using a Chase Slate check as payment to the provider of services. First, the check must post to my account by XXXX/XXXX/2016 ; the date was XXXX/XXXX/2016, so I saw no problem with this. Second, the balance transfer check written can not exceed {$15000.00} ; the amount of the check was for less than that and did not exceed my available credit. And third, only a check issued by Chase Slate is valid, a copy or reproduction of the original check will not be honored. I was good to go ; upon completion of their work on XXXX/XXXX/16, I wrote them a check, using a Chase Slate balance transfer check. On XXXX/XXXX/16, I received a call from the local company who did my home repair. He said my check bounced and he also incurred bank fees.I told him to redeposit the check ; I would call Chase and get it straightened out. I obtained a copy of the returned check from our local bank and contacted Chase. After speaking with XXXX different customer service reps, they all told me the check had never hit my account on their end. Well it had to because it was returned. They took the pertinent info so it would not happen again, since it was redeposited. On XXXX/XXXX/16 I received another phone call from local company saying my check bounced again and there were additional bank fees. At this point I turned to family to secure the funds needed ; I was humiliated enough at this point. I called Chase again, speaking with XXXX more reps. They claimed the check still had n't hit my account on their end. Really?? Then where is it going? This time the reps verified that the check I used was not bogus. Everything matched up, so she assured me it was legitimate. She also suggest I write a complaint to Chase about the situation and gave me the address for correspondence. On XXXX/XXXX/16 I sent my complaint to Chase. I noted that I needed to hear from them within 2 weeks of the date on the letter or I would file an official complaint ; I included my cell number. I sent that letter 16 days ago and have had no contact from Chase regarding my complaint. I did however receive an email survey pertaining to my phone calls. Other than that ... nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: U.S. BANCORP
State: IN
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:
We in the process of contacting the credit bureaus to investigate the inquiries.

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 2022-09-15
Company: WELLS FARGO & COMPANY
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
2 different accounts XX/XX/2022 XXXX XXXX XXXX I recieved 2 letters such as Wells Fargo XXXX XXXX XXXXXXXX also

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 2020-08-15
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and  collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I'm attempting to temporarily lift a credit freeze with Experian. The website service says it can not lift the freeze and directs me to call a number. When I call the number ( XXXX ), the automated phone system will not let me speak to a real person and will not give me the option to unfreeze 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 non-monetary relief
Consumer complaint received 2020-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citizens bank ; They had a promo going in XX/XX/2020 that if you opened a checking account and made a direct deposit of XXXX dollars or more in the first 60 days that you would get XXXX dollars. This was a Citizens bank promotion. I completed what they required to get the bonus and they told me it would be paid on XX/XX/2020. When I didnt receive it then I called them every single day since. I got a hold of a manager that escalated the issue and waited for a callback for a week! When I finally got a call back from natilie she informed me the money would be in my account by Friday XX/XX/2020. I still havent received the bonus. I called them again on XX/XX/XXXX and they put me on hold and then hung up on me. I then called back the same day and they hung up on me again. 

I still have not received the bonus Ive depended on it twice now and its caused my account to bounce a few times..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Holding funds without notice or explanation Bank Of America has placed holds on my business checking and savings account with over twenty thousand dollars of my working capital. No notice, explanation or reason has been given to me. No timeframe has been identified as to when the holds will be taken off. In multiple conversations with various departments no details has been provided. All the information I 'm getting is that an internal department that has no name, telephone number or any means of contact has placed the holds and may contact me should they require any information, no specific period of time was ever mentioned to me. No specific reason for holds being placed or any other information has been provided to me by anyone I 've talked to on multiple occasions.

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 2020-05-18
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving robo phone calls almost every day for months about a debt. But, I don't have any debts and have never had any debts. The calls continue, though, and tell me I should call this number ( XXXX ) XXXX to contact XXXX XXXX. The last two recordings are dated XX/XX/XXXX and XX/XX/XXXX of 2020.

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 2021-01-21
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
During XXXX, I paid total escrow of {$34000.00} to AmeriHome Mortgage Company , LLC ( AmeriHome ). 
During XXXX, AmeriHome disbursed {$12000.00}. My closing XXXX XXXX ) escrow balance was {$15000.00}. AmeriHome states that the escrow balance is not a surplus and continues to demand a monthly escrow amount, for XXXX, of {$1700.00}. 
I have called AmeriHome to request an explanation of why I do not have a surplus and why am I being required to continue paying monthly escrow during XXXX. The representative told me he could not answer my question but will have a supervisor call me. It has been over 2 weeks and I have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a {$1000.00} principal payment on my Mortgage at the XXXX PA branch of Santander. The teller processed it correctly, and my receipt clearly states " principal ''. I expected the payment to be posted on XXXX, the next business day, but it did not adjust my principal balance. Their app shows they accepted my {$1000.00} payment, but it does not state a Principal payment, and it is not credited towards principal, interest, or escrow. My balance on my Mortgage did not change at all. On XXXX I contacted the bank through their website with no reply. On XXXX and XXXX I emailed XXXX XXXX XXXX, the branch manager in XXXX, who said she would contact the " mortgage company '' but I have not heard a reply. On XX/XX/XXXX I emailed XXXX XXXX, a customer service assoc in Santander 's Executive Offices, who said she would forward my concerns to their mortgage servicer. Apparently, XXXX doesn't care, because they have been contacted at least three times regarding this situation and have not replied at all.

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 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. 
I have attach my id to proof my identity in this complaint.

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 2020-08-15
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020 Dear XXXX XXXX : This letter is in reference to the negative payment reporting from XXXX XXXX, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to XXXX XXXX reporting department. I have been a customer for a number of years with XXXX XXXX with which I had an auto loan that was paid off and credit cards in addition. The XXXX credit card however is the issue. I did not receive a statement from XXXX XXXX in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from XXXX XXXX. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from XXXX XXXX have destroyed me credit report and I understand XXXX XXXX may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from XXXX XXXX about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling XXXX XXXX and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-01-11
Company: Synergetic Communication Inc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX2020 I received a letter from Synergetic Communications Inc ACCT # XXXX on behalf of XXXX XXXX XXXX ACCT # XXXX attempting to collect a debt not owed or known of. This is a complaint as this company is in violation of 15 USC 1692c ( a ) -Communication with the consumer. Generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. As neither company have no written consent from the consumer or judgment from a court competent jurisdiction they have blatantly violated the FDCPA. To further there is no known or first hand knowledge or relationship with the two companies mentioned. This is TRESPASS and invasion of the consumers legally protected interest ( PRIVACY ). These companies are liable for violations under 15USC 1692ka1.  THIS IS ALSO NOTICE TO CEASE AND DESIST ALL COMMUNICATION EFFORTS I would like to also ask are these companies in possession of the consumers social security number? If so then that is identity theft per 12CFR 1022.3h.If not then this is harassment per the FDCPA as they are trying to  collect from the wrong person.

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