BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-16
Company: Pinnacle Credit Services, LLC
State: VA
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 have repeatedly sent Pinnacle Credit Services a debt validation letter in which they have ignored. I do not believe this debt is mine. After Pinnacle ignored my request, I then sent a complaint to the XXXX. The XXXX informed me that they too, had tried to make contact with Pinnacle and after several attempts, their request went unanswered as well. I am now contacting FCPB to help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: ADP Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Received text to my cell phone number ( XXXX ) from Wisely Pay Alerts stating- {$75.00} has been loaded onto your Wisely card ending in XXXX. Your available card balance is {$74.00}. When I call customer service, XXXX I was aksed for my social security number, birthdate, name. I stated I do not have an account with you and you contacted me showing the last 4 digits of the account so you should be able to get to the account using that data. They stated need full acount number or social security number with name and date of birth. I told them I will be reporting to government fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XX/XX/2022, In XXXX I had to make an emergency repair to my house ( which i do reside in ). This caused me to fall behind. I submitted a work out package to LoanCare with documentation in XXXX to request a modification to add 3 payments to the end of the mortgage, and bring me current. I have been on the phone with Loan representatives at least 50 times, the first 20 or so I was told I was missing documents which I continuously submitted through their website. For the month of XXXX I was told all of my documents had been received and it was being submitted to the next level. A few weeks later the rep and a supervisor told me that my case was closed for missing documents but that it should not have been so they were escalating and manually re-opening the case because it shouldn't have been closed. I was told to wait 30 days for the review. I was un-trusting of what they told me and this being a week later I called today to check the status. I am now being told the case was closed, and NEVER re-opened. 

I want to keep my house. I want to be current and make good on my promise to pay, however I am being told that it is under review/ not under review/ not to make a payment and I am afraid of moving into foreclosure. This is my first purchased home, I live here with my XXXX  children. I am a single mom working two jobs, i just wants a proper review and a little assistance. I don't know where else to turn. I am not due for XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCES, COERCION OR FORCE FROM ANT THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

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 2022-04-13
Company: AMERICAN ADVISORS GROUP
State: MN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
We initiated a reverse mortgage XX/XX/2021 from AAG. We had been told that we would have access to our home equity to pay off a few debts and make some improvements to our home. Instead, without our understanding or approval, AAG removed access to our equity and instead will use our equity to pay our homeowner 's insurance and county taxes for the remainder of the loan. 
The last thing that our Loan Administrator at AAG told us before the closing was that he submitted our account without the hold on our equity. The closing was done by a notary in our home and we were told by him that he would not be able to answer any of our questions. The closing paperwork was over 250 pages. 
Within a couple of days, we did being to read the closing paperwork and suddenly realized the kind of loan we actually received. 
When we called AAG to discuss this, they said we went past the 3 day period to reject the loan, which again we didn't know anything about a rejection period, and so there was nothing they would do for us. 
We have tried to talk to managers and other higher level personnel at AAG but got no response as to what set us apart from other people. Our credit report is very good and we see no reason why we have been singled out for this change in the loan as we were promised. 
Your help in this matter is greatly appreciated. I look forward to hearing back from you. I am happy to provide any additional information you may require. We can only come to the conclusion that the reason for withholding our equity is that of my husband 's XXXX  as there doesn't seem to be any other reasonable or logical explanation. 
Also, we have submitted a complaint about this to HUD. XXXX XXXX is our contact at HUD and he was the one who sent us this link to your website for us to file this.complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: IN
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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I received a 0 % interest for balance transfer from CITI. After filling up the application and being approved, I proceed to do the balance transfer. Once the balance transfer was completed I received a letter stating the terms of the transfer including a 22.49 % interest fee. I requested a revision of the account, requested evidence of my acceptance of the offer with an interest rate, and CITI is not willing to provide the 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 monetary relief
Consumer complaint received 2020-04-01
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA Mortgage with Village Capital & Investments LLC. Loan # XXXX. My husband and myself have been laid off of our jobs due to this corona-virus. I call Village Capital on XX/XX/2020, XX/XX/2020 & XX/XX/2020 and asked to postpone my loan payment for XXXX and maybe XXXX if we are still out of work due to this virus. I was told by Village Capital that I had to pay my mortgage and stay current on my mortgage payments or I world receive late fees. 

I have read and seen that with the current issues the world is going through, the Senate passed the bill that would allow borrowers with federally backed loans to request mortgage forbearance for up to 180 days. I am not asking for 180 days. Just a month or two.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: ATG Credit, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have medical debt that was incurred due to a car accident in XX/XX/2007. The medical providers agreed at the time to a lien, to wait until settlement with the insurance company of the person that hit me. They chose not to bill the health insurance I had at the time and the health insurance company would have rejected the claim anyhow since the treatments were accident-related. In XX/XX/XXXX, my case went to a jury trial. I partially lost the case and the medical bills now in collection as of XX/XX/XXXX were deemed to be unrelated to the accident. The medical providers broke the lien/contract by sending this to collections. They had an opportunity to bill my health insurance and did not. My attorney agrees that I should not be liable for the bills. I will pursue legal action, if necessary, but hope that you can intervene before I have to go that route.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have a personal loan with Wells Fargo and I was out of the country for a funeral and my personal loan fell behind. Wells Fargo discontinued my debit card while I was overseas and took all my funds from both my checking and savings leaving me without no funds without sufficient notice and failed to refund the money when i asked them why they took all funds from my account. I had no money for rent and my direct deposit check was seized as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS XXXX 
XXXX XXXX XXXX XXXX XXXX, ( Ph XXXX XXXX XXXX ) ( Ph XXXX XXXX XXXX, Fax XXXX XXXX XXXX XXXX ) LOAN # XXXX LOAN # XXXX Dear SLS, Teller ID # XXXX I HAVE RECEIVED YOUR LETTERS OF XXXX/XXXX/16 AND XXXX/XXXX/16. 
Let me recap my situation and correct me if I am wrong or if your co has changed the terms of my original loan with XXXX, contrary to what I was assured, like there would be NO CHANGES, etc. to the original Loan once sold to SLS. ( sic ). 
I had an original loan and it was written that upon reaching 80 % ( LTV ) of property value of {$340000.00} ( {$270000.00} ), PMI will be cancelled, upon written request or automatically at 78 % ( {$260000.00} ). 
I wrote and taxed a few written request just before and around when 80 % threshold was being met. I called, and called. 78 % came and went by. Nobody could give me clear answers. Once or twice representatives acknowledged seeing the request but subsequently other reps denied any requests being on file. 
Some misguided representative erroneously stated that I was delinquent on my loan. This is a blatant mistruth ans SLANDER of my good name as I have never been late on my payments. They said then that they can not disprove that I was delinquent!! 
Such stalling, delaying tactics, misrepresentation, embellishments! Why? It is undue harassment, causing pain and suffering and wasting of my valuable time whilst my money is still being collected for PMI which should have been stopped once my balance reached {$270.00}, XXXX. 
I was never aware that a new appraisal had to be done. That was not my understanding, unless I wanted to claim higher value of my property to stop PMI earlier. 
In your most recent letter you sneaked a table on the back page stating that LTV must be 80 % or less based on original value. CONDITION MET. 
However, in the next column, " Based on Current Value LTV ratio must be 80 % or less if 5 years or more have elapsed since the origination Date of Mortgage or 75 % or less if 2 or more years, but less than 5 years have elapsed since the Origination Date of the Mortgage. '' THIS PARAGRAPH DOES NOT APPLY TO MY LOAN!! THERE WAS NEVER A NEED FOR APPRAISAL OR BPO. 
Why are all these new conditions being brought up for a straight forward mortgage? Or Did XXXX give me false information or promise? 
I hope this matter can be resolved IMMEDIATELY to prevent me from losing further time and money and lessening my undue pain and suffering from harassment, misrepresentation. 
Thank you. I shall be faxing this letter to you today and send hard copies to you as well as XXXX XXXX and Consumer Financial Protection Bureau. 

XXXX XXXX XXXX/XXXX/16.

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 2015-05-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need my mortgage modified. I have tried effortlessly to provide Rushmore Loan Services with the documents that were requested only to continue to be told that a complete package was not submitted. I would ask them what documents they needed and I faxed them accordingly. Whenever I would call to follow-up with my Account Manager, XXXX XXXX, it would take her XXXX days for her to return my phone calls. This has been my entire experience with her. On XXXX XXXX, 2015 I received a letter from a Foreclosure Attorney indicating that my home was scheduled to be sold on XXXX XXXX, 2015. I was so confused, because I was under the assumption that all of the documents that I faxed had been received only to find out once again that the same document that they requested previously was not received and this caused my loan modification case to be closed and they had moved forward with a sale date. I explain to XXXX XXXX that the last letter that I received from her indicated that I had XXXX days from the date of the letter to submit the document and that 's when she told me that I needed to have the information in XXXX days prior to the sale date. I feel that this decision was very harsh considering the time and the continued effort that I put in to make sure that I stayed in compliance and following all of the instructions that were given to me to be considered for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: CFM Group LLC
State: NY
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 am being contacted and harassed by CFM Group in XXXX, GA re : debt collection on behalf of XXXX XXXX ( Uniform services provider ), which I do not owe. I bought a business in XXXX XXXX and had been getting uniform supplies from XXXX till XXXX XXXX, XXXX. There was no contract signed with XXXX by us. We decided to stop the services effective XXXX/XXXX/XXXX due to cost issues. A letter stating about termination of services was sent by mail to them. We did pay all the dues for services received from them. Last statement XXXX/XXXX/XXXX for {$61.00} was paid as well. They sent another invoice XXXX/XXXX/XXXX ( though no more services were received after XXXX/XXXX/XXXX ) stating that we owed them {$1300.00} ( with no explanations for charges of {$1000.00} in that statement ). Note : Weekly bills used to be around {$60.00}. They started harassing that previous owner had signed a contract and that i am responsible for it too. I tried to clarify that I have never signed a contract and thus have the right to cancel it any moment. I wrote them few letters but they never got back to me about explanation of charges. Now CFM has been contacting me with a bill which is 3 times higher the original demanded amount more than {$3000.00} claiming that these include their fees. Not only that the numbers that they provide me with on the phone ( which they claim were on the statement ) does not even match the one on my last statement sent by XXXX. The representative keeps on calling 2-3 times a day during business hours demanding for our credit card number. He does not want to provide any explanation for charges and uses very harsh and threatening language when we try to say anything about justifying the charges. He keeps on making different offers to settle it though I do not owe them anything. But his harassment continues. I request you to help me getting out of this harassment and close this matter with all due fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Stellar Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls from this collection agency, EVERY day at least once a day for well over a month now. I did answer over a month ago and let them know I lost my job a few months back and that I would pay the past due cable bill directly to the company it is owed when I receive my taxes, which I have not yet received. I also have made XXXX small payments towards this bill and mentioned to them that I was paying it down when I was able. I also answered XXXX of their calls two days ago and told them to cease and assist, they hung up on me and proceeded to try again the next day. It 's getting really irritating and they call sometimes at XXXX when my kids are asleep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On Thursday XXXX/XXXX/17, I deposited {$8600.00} into a Wells Fargo account for a job, not knowing that it was all a part of a job scam involving fraudulent transactions and counterfeit checks. On Saturday XXXX/XXXX/17, I visited the same bank where I made a deposit, informed a banker of my situation, opened a new checkings account and had my banker file a claim in order to retrieve the funds. After all this, the account where the funds were sent was blocked and Wells Fargo would begin conducting an investigation which would lead to the {$8600.00} being transferred into the new checkings account so that the overbalance in another account would be resolved. On Monday, I wished to learn about the status of the investigation and after being transferred from department to department for about two hours, the representative I talked to was n't able to find my open claim and I had to start a new claim, even though representatives from previous calls that same day could see my open claim. I would like for Wells Fargo to keep me informed about the status of my claim so that I can have these issues resolved in a timely manner and not be forced to wait longer than I should because of their mistakes.

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 2021-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail from Bank of America stating, " They were unable to verify information for my Customized Cash Rewards XXXX Signature card application ''. I called the bank, who was able to verify fraud in regards to the application. This is the third attempt in two months to open a credit card with my 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 2016-10-23
Company: Social Finance, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have been the Victim of ID Theft and have a fraudulent loan with a company called SOFI. I have disputed this fraud account so many times I 've lost count. I contacted the creditor and felt like they could care less about helping me resolve this matter. they did n't even know if they had a fraud dept. How sad is that? I have sent police reports aswell as other documents to them and they totally ignore them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has charged me more than {$2000.00} in return fees and bank charges since XXXX 2016 due to " holding '' certain deposits for a certain number of days because they were from out of town banks. The issue I had with it was the amount of days they held the checks differed each time and also the amount they held out of each check differed. XXXX checks from the same bank for the same amounts had holds placed on them for different lengths of time and the funds released from each checks were different. XXXX of the checks had funds released in increments over 2-3 days. The other check was held for several days with no funds being released until the hold was released on the entire amount. After being charged fees for the XXXX held checks it became almost impossible to regain control of my checking account. I was only making deposits to cover the fees they continued to pile on. At this time the account is overdrawn and I do not have the money to cover the negative balance of almost {$1000.00}.

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 2017-05-23
Company: Experian Information Solutions Inc.
State: AZ
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:
I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX    XXXX   Account #  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