BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was charged a late payment for sending in a double payment on XX/XX/XXXX so I called them ( the person I talk to said this has been happening to a lot of people that send in extra payments ) I told him I put on the slip, payment and on the next line I put extra principal payment and they charged late fee? I called them on XX/XX/XXXX and they mailed me my late fee back. So I sent them my payment {$460.00} PLUS {$20000.00} for principal and the next statement on XX/XX/XXXX did not apply anything to my loan everything said Unapplied ( {$20000.00} ) and I am still charged interest on the original loan amount I oued in XXXX XX/XX/XXXX I got letter for wells fargo saying I requested loan modification, and I NEVER requested that, you would think they would realize I can afford my payment when I send an extra {$20000.00} with my payment .I FEEL LIKE THEY ARE COVERING SOMETHING UP, The new statement I received has the balance of XXXX but they put on XX/XX/XXXX that I have unapplied {$20000.00} please help I do n't know what to do? Also my other home with XXXX charged me 3 late payments last year for making double payments, I had to call them 3 times to get it reversed and and they kept saying my mortgage is with XXXX ( they are a loan serving co ) .i wonder how many people they do this to that dont pay attention to there statement.

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 2017-07-16
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In  XX/XX/XXXX , I had my Identity stolen and the person opened   XXXX   accounts,   XXXX    with   XXXX   XXXX   XXXX   and the other with Barclays. I discovered the theft in XX/XX/XXXX  when the thief tried to secure a copy of my current credit card (   XXXX   ). I immediately contacted   XXXX   XXXX   XXXX   and Barclay and opened investigations with each.
 XXXX 
The thief had gotten a credit card from   XXXX   XXXX   XXXX   and used it to make several purchases in their city. The thief did not use the Barclays credit card nor activated the credit card. Once they hit the credit card limit with   XXXX   XXXX   XXXX  , they called Barclays to transfer funds into the   XXXX   XXXX   XXXX   account so they could continue using the   XXXX   card. The thief transfer funds from Barclays twice. When I spoke to Barclays, they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks.
 XXXX 
I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts.
 XXXX 
  XXXX   XXXX   XXXX    com pleted their investigation and found the account was a case of Identity theft and released me of the debt. However, Barclay declined my case and continued to harass me and my family. I submitted another letter to Barclay along with a copy of the release letter from   XXXX   XXXX   XXXX  . Barclay did not response to my letter, but s ubmitted my case/debt to   XXXX   XXXX   XXXX   XXXX   ( a debt collector ). Now I am getting harassed by  XXXX . I have dis cussed the issues with Bayclays multiple times over the phone, submitted multiple reports, and bank documents. Barclays continues to seek funds for an account I did not open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a collection agency that keeps reappearing. It is removed then reappears. To make matters worse, they harass me constantly, in violation of the Fair Credit Reporting Act. One time I picked up the second phone call in a couple hours and asked why he was calling so much. He said the FCRA allows him to call six times a day, if he wants. Thats false. Unfortunately, this particular agency is knowingly violating the FCRA and misstating the law in furtherance of that. I have letters, voicemails, calls, etc. Some from the same day. All this for a debt that was already removed. Surely, the bureaus do not support this blatant violation of the FCRA.

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 2016-11-11
Company: D&A Services, LLC
State: KY
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:
Call from D and A Services XXXX about a personal matter. They are a debt collection service trying to satisfy a debt and the call was recorded. I do n't owe such a debt. Left a message for me to return a call to XXXX. Asked me to verify my last four of SS number and dated of birth. I told them I do n't give out personal information to anyone I do n't know, especially over the phone. Then she attempted to verify my identity by giving me a bogus address. I told them that was n't me or my address and she asked for my address. I told them not to call me anymore. They said they would remove my name from their call list. This was a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my welcome letter from Shellpoint, my new mortgage servicer, stating that " we 're concerned about your recently missed mortgage payments and want to offer our assistance in case you are unable to catch up ''. " This information may be reflected in your credit report ''.
I had never missed a payment with  XXXX , since  XX/XX/XXXX  when the loan modification began. I just completed bankruptcy the month prior to receiving Shellpoints letter, in XX/XX/XXXX . The trustee of my bankruptcy did an audit, so that I knew I was not behind on any payments and all my debt was paid off, when my bankruptcy was discharged,  XX/XX/XXXX . When I called Shellpoint, they told me I was {$11000.00} in arrears, and I could be put on a payment plan. They said I could not refi because I just came out of bankruptcy. They wanted a copy of my loan modification. I sent email with attached loan modification, showing my loan was on 40 year fixed rate of {$1500.00} a month until  XXXX . Shellpoint set up conference call with me but nobody called back, so I 'm not sure what is happening After I read peoples experiences with Shellpoint on  XXXX , I am very concerned about my new mortgage company and do not want to do business with them. I sent email to my previous mortgage service company and requested a payment history to see what is going on, since late payments are not showing up on my credit report.
I have attached documents supporting conversations between myself and Shellpoint

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Filing Complaint about Seterus, Inc. tricking me, harassing me and not living up to what their Hardship Customer Service representatives told me. 

I contacted my mortgage company in early XXXX, XXXX to let them know I was having difficulty keeping up with my mortgage payments. I had been looking for work for over 7 months and was still unemployed. My husband had recently passed away and at that time we had to deal with exorbitant medical bills from his 11 year long term illness with XXXX The last XXXX were XXXX as he was almost completely XXXX except for very limited XXXX. Our care for him was 24 hours a day 7 days a week and all his care fell to our XXXX daughters and myself, so I could not work during this time. 
I explained my situation and that my brother-in-law had offered to teach me XXXX and he felt I could be working by XXXX, XXXX. I believe the first person of contact with Seterus, Inc. who directed me to the Forbearance due to extreme hardship was a Supervisor by the name of XXXX XXXX. I do not have all the names of those I 've spoken with but each time I 'm told I can not get back to XXXX and that I have to speak with whoever answers my call. I have spoken with more than a few which has caused me to have to repeat my situation over and over. That tells me their notes on my mortgage and issues are not documented. Each time I waste time getting the new person up to speed. I followed XXXX express directions ... filled out their form, had documentation of my husband 's illness and death, and a letter explaining my situation and what I was doing to work my way out of it. I was told that there should be no issue with my getting the forbearance but that I would have to make a payment of {$4800.00} before they could approve my forbearance. I borrowed the money and made the payment. 
I found out within weeks that the forbearance had not been approved. I was told by the newest representative of Seterus that I needed to change XXXX things on the forms they required. I did so and within an hour had the new forms to them. That was XXXX XXXX, XXXX and I have been harassed continuously since. 
Twice I have filled out the paperwork as they directed. Twice I gave them exactly what they required. I was told this would not be an issue and that Seterus, Inc. would work with me since I had been paying my mortgage payments on time and was a good customer, and with consideration to the hardship our family has been through. 
I am trying to save my home after some very hard times for our family. Please help. I just require Seterus, Inc. to live up to what I was told would happen .... I would make the lump sum payment and they would leave me alone to learn programming and get employed until sometime in XXXX XXXX. 
Thank you for any and all help you can give me to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XX/XX/XXXX  I purchased a puppy and took him to   XXXX   XXXX   XXXX   during the visit I was asked if I wanted to purchase puppy insurance which was {$35.00} per month, I was only able to use it once because the vet stopped working for   XXXX   in  XXXX  or  XX/XX/XXXX at both locations in my area. In  XX/XX/XXXX I had to get rid of the puppy due to unforeseen circumstances and was still being charged. I received a call in  XXXX  from one of the  XXXX  reps requesting payment where I informed him that I no longer had the puppy, he stated that I was still responsible for the insurance even if I did n't have the dog at that time it was only {$150.00}.   XXXX   XXXX   XXXX   and IC systems are reporting on my credit reports that I owe them {$630.00} dollars as of  XX/XX/XXXX . How did the payment go from {$150.00} at the time that it was reported that the puppy was no longer in my possession to {$630.00}. If you calculate the amount of payments by 12 months it does n't come out to what they are trying to collect. They should not be allowed to continue to charge people for services they CAN NOT provide, or try to over charge for services that are no longer needed.

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 2016-09-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
spoke to CSR name XXXX XXXX XXXX AT Navy Federal Credit union, representative told me as he was talking over me, I owe {$340.00} from over 17 years ago, I said to my knowledge I can not remember what that charge was for may I know what it was for? he stated he can not find that info but to be pat of navy fed you must pay this balance. I advised him I would nor would anyone pay a bill for a reason they can not recall making. I would gladly pay for it if I knew the charge. he continued to interrupt me with more questions as I was trying to gain information such as, why did you wait until now to pay? um maybe cause I did n't have the money ... any way, I asked to speak to a manager ( XXXX XXXX which I 'm sure he was more then happy to transfer me to. Supervisor XXXX was delightful and very pleseant to speak to awesome awesome customer service and very knowledgeable. XXXX complete disappointment to myself in my opinion to navy fed and to himself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I need to know that what I am being shown by my paid account with Equifax is what my score is becuase under CFPB Case # XXXX XXXX states that Equifax has different scores they present to lenders? 
To quote XXXX in CFPB Case XXXX the following : " XXXX said : Explanation of closure Credit bureaus use many different scoring models, even within the same credit bureau. Each bureau can use dozens of different credit score models based on the requirements of different lenders. 
Each credit score model has a slightly different formula that takes into account over XXXX different factors of your credit report ; like a thumbprint, no credit score model is exactly the same. In addition, credit scores can change anytime so you have to make sure you are comparing credit scores from the same day. 
On your XXXX account, you will see the XXXX XXXX scoring model, provided individually by XXXX and Equifax. 
XXXX XXXX incorporates a broader set of credit-related data and can score up to XXXX XXXX more people than other models. With so many different scoring models out there, you never know which score a bank will use, but XXXX XXXX is a strong predictor for what the banks may see. 
Hope this helps! If you have more questions, please feel free to let me know. 
XXXX, XXXX XXXX. 
XXXX Is Equifax committing fraud by using different scores and telling me my score XXXX as shown by attached or is XXXX disclosing false information and Equifax disclosing different score? 

Someone in this matter is CLEARLY being dishonest and corruption should be illegal. When does federal government uphold justice and stop the twisting of information as shown here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, Recently, I refinanced a mortgage loan with PNC. Unfortunately, I was both treated bad ( I think the numbers were tempered with or it could be complete incompetence by XXXX XXXX XXXX, XXXX ID : XXXX. I also felt discriminated against. and treated in demeaning ways by XXXX XXXX XXXX The loan officer that I would like to file a complaint against is XXXX XXXX XXXX, XXXX ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: CITIBANK, N.A.
State: OH
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:
The MACY 's collections department ( XXXX ) sends automated calls to our office 2-3 times a day asking to speak to their customer with a " personal business matter. '' No one in this office has a MACY 's account or even shops there. 

After returning their calls, collection agents were asked to stop calling this number as the person that registered their account with our phone number can not be reached here. 

Their automated calls have continued for a week after being asked to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My son, who is a military service member stationed in XXXX, wire transferred me {$750.00} from his XXXX account on XXXX XXXX, 2017 to my checking account with JP Morgan Chase. I received an email from the QuickPay team at theJP Morgan Chase bank on XX/XX/XXXX ( XXXX 's time is ahead of New York time ) confirming that a transfer was in process and that it would take 1-2 business days for the money to be transferred to my account. However, when I did not receive the money I called them and they said that the money had been deposited to an account which had my email address ( the same email address used in the transfer ). They could see the name of the person the money went to. I told them I still had access to that account and was still receiving emails but they said there was nothing they could do, that XXXX was responsible. My son called XXXX, who said that because he had authorized the transaction, JP Morgan Chase was responsible. I called Chase numerous times, my son called both XXXX and JP Morgan Chase several times and we even conferenced-called JP Morgan Chase. However, their response has been the same all the time - they can do nothing about the money transfer to the wrong person. To-date, I have still not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a Wells Fargo checking account. Over the past several months, I kept on getting charged for low balances in the account even though my average balances for the month were over the minimum. I guess Wells Fargo has a rule which states that if the balance falls even {$1.00} below the minimum, customers get charged for this. I had a direct debit attached to the account to eliminate the minimum balance issue, but to no avail. I eventually got fed-up with Wells Fargo and asked to close my account and get a refund of the balance which was in excess of {$2000.00}. The account was asked to be closed over 1 month ago, and I am yet to receive my money from the bank. I have called the bank many times, been transferred around, been put on hold for hours. Now Wells Fargo is stating that the check was sent to over a month ago. Furthermore, they have not told me why the amount it my checking account was not just transferred into another bank ( which was linked to this account ) as I had instructed them to them. Finally, Wells Fargo has asked me to send them a notarize letter stating that the check was never received and to wait 90 days from the time they receive this letter before they will reissue another check. 
I think this is unfair, unethical, and illegal. The bank basically has kept my money and continues to keep my money and expects me to wait for over 3 months before I can get it. 
I would like my money back from this thieving institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo consistently changes the order of my transactions to put me in the negative and then rails me with overdraft fees. The {$300.00} charge on my account is being charged before prior purchases, as to put me in the negative, and then hand me {$35.00} overdraft fees on 3 very small purchases I had made prior while in the positive. I am about to be out {$140.00} in fees alone because of this malicious practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of refinancing my existing mortgage to drop the PMI Insurance, with the same bank, Wells Fargo, that is holding the current mortgage. I am not changing the terms of the loan or cashing out. I 've owned the home for 3 years and have done a lot of work, it was bank owned by Wells Fargo, when purchased for XXXX and in non livable condition. When I locked in at a rate to refinance I was asked what I thought the house was currently worth. I told the lender of comps that had sold between XXXX in the past 6 months, these homes were smaller in size and my lot was XXXX the size, I also am directly on a pond with water views. Well the appraisal that I paid for came in at XXXX, which seemed odd to me but that 's not what rattled my cage. My lender then told me that the terms of my refinance were going to have to change because my house did n't appraise out to at least XXXX. I am baffled at this. My house has about XXXX in equity which is about 56 % increase. I was only looking for 20 % to drop the PMI and now I 'm being told that my rate will be higher to do this. I 'm very angry because I had other banks who offered to push this through and would hold to my current rate which is XXXX. I stayed with Wells Fargo because I thought it would be easier and I could keep the loan with them. They were the bank who originally owned the house when I purchased it. I was not informed that if my appraisal did n't come out at XXXX my loan terms would change??? I was locked in and was told I just needed to show a certain debt to income ratio and have the appraisal come out over 20 % to drop the PMI.

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