BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-03
Company: WELLS FARGO & COMPANY
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a member of Wells Fargo. I have noticed that on several occasions they would take the money out of my account only to put it back in there the next day. Example if I purchased a room on Tuesday they would take the money out and the next day putt the money back in the account. At first glance I thought that it was the merchant doing this, however, I was completely wrong. They did this with my phone bill and with my hotel purchases. They would take it out and put it right back in the next or same day. My checking account was over drawn in the amount of XXXX. That made my rent late, and my car note late as well. At first glance I thought it was me but it could n't be I only use my card for major purchases. Wells Fargo has taken my whole check saying it was nsf fees but how when I only use it for major purchases and deducte it from my account. I am appalled and vey disatifed. What am I to do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10
Company: CNG FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
There saying I received a payday loan that I have know knowledge of I contract the bank and they do not see the fund deposit in the account are on my past statement from the closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Prime Business Service, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Prime Business Service is collecting on the same debt as the bank. THey are both reporting and damaging my credit. I have been fighting it and they claim it is valid. I have proof that they are duplicate reporting and collecting. They are in violation of the FCRA. This needs to be fixed or they need to be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH EQUIFAX MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY EQUIFAX IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED EQUIFAX MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING EQUIFAX TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I RECEIVED THE RESULTS ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE EQUIFAX DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I was a named party in a class-action suit against a former employer. My attorney was able to reach an individual settlement for the named parties, and I received XXXX checks for my share of the settlement. I deposited the checks into my personal checking account with Wells Fargo via ATM, and within the next week my account was locked as the checks were BOTH reported " confirmed counterfeit '' by the issuing bank ( XXXX XXXX XXXX ). This was back in XXXX. I called my attorney, and he checked with the other named party, and their checks went through just fine. 

I tried to have my attorney tell the defendant to cancel the checks and issue new ones. Well, it turns out that my bank ended up collecting the money from the checks even though they were confirmed counterfeit. So the defendant refused to issue new checks, since the money was withdrawn from their account. Fair enough. 

My bank refused to listen to me. I brought in the settlement documents, I called and spoke to the Manager 's Manager 's Manager 's Manager, still no luck. According to them, the defendant 's bank is STILL calling the checks counterfeit. They claim that the funds are in the process of being recalled back to the defendant 's bank account. Meanwhile, the settlement checks were reported onto my IRS transcripts, so I had to file an extension on my taxes until this whole thing gets resolved. 

Here 's my issue : Since XXXX, I 've lost my checking account, my savings account, and the few hundred bucks that was in my checking account when I deposited the checks. My auto insurance payment bounced, and then I had to pay that on the same paycheck as my car payment, and it took some time to recover. The funds are STILL in the process of being recalled, but I 'm still over here floating in the wind. Is there any way I can get this resolved? Is the defendant liable for these ( admittedly minor ) damages over the past five months? I do n't even care about suing for these damages, I really just want to get my proper settlement checks and resolve this issue for good. My attorney claims that there 's nothing more his firm can do to help ( he got his check ), but he suggested that I might hire an attorney to file a breach of contract claim against the defendant. 

I believe that the checks were reported counterfeit because the ATM faded out the ink on my larger check. I 've attached printouts of each check from XXXX 's own computer system. I 've also attached a copy of my attorney 's check, which is from the same account as my larger check. I 'm unable to make any progress with either bank, and I would rather not have to take any legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a XXXX Mortgage XXXX with Rocket Mortgage in XX/XX/2021. The Lender Representative whom I initially spoke to via mobile telephone told me that when I qualified for their Mortgage Refinancing that I would also get a Cash Out for approximately Seventy-Nine Thousand Dollars. He also told me that I would have to put down Five Hundred Dollars to keep the Two Point Five Percent ( 2.5 % ) Interest Rate but he never mentioned that my down payment will not be reimbursed if the Assessor does not find my house meet Rocket Mortgage requirements regarding the value of my real estate property. Also, Rocket Mortgage sent a Deposit Agreement with a counterfeit signature of my name after the fact that I verbally notified XXXX XXXX XXXX, Executive Resolution Advocate, from Rocket Mortgage, that I was cancelling my Refinance Mortgage Application. I was misled by Rocket Mortgage by denying to reimburse my {$500.00} ( Five Hundred Dollar ) deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Current Mortgage Lender advertised a fixed loan rate on web site. We submitted a request for refinance analysis. Mortgage consultant contacted us, quoted even lower interest rate than advertised on web site. Confirmed our good credit rating ( we stated rating of XXXX, actual rating of XXXX ). Consultant requested we submit on-line application. We completed, and received finalization call-back from consultant. Rate increased from 3.75 % on 15-year fixed ( verbal quote ) to 4.25 %. Current rate as advertised on web-site prior to call was 3.875 % ( when we requested contact for analysis ). Rate today ( XXXX/XXXX/2015 ) on website for 15-year fixed refinance loan is 3.25 %. Concern over deceptive advertising ( bait & switch ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with PenFed Credit Union back in XX/XX/XXXX. I credited the account with a XXXX dollars and never used that account again until today. So since there were no mouvements, they closed the account and sent the money to the previous address I used to live. I was not aware the account was closed. They never called or sent me an email. When I called on XX/XX/XXXX at XXXX, XXXX from PENFED told me they sent the check of {$100.00} to my previous address and I wo n't be reimbursed for that amount.

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 2021-06-03
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2016-03-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is denying a modification saying I do n't have enough to support a modified payment .Mt rental income alone would support a hypothetical modified payment of amounts owed estimated {$200000.00} in a 30 year note at a market intrest rate.XXXX.This is wrong this unit serves as my primary residence also and there is no where else to go.This entity is awful to deal with, they have expenses that are no longer valid and they have been informed of this and they had my income wrong, its more.

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 2018-05-29
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been receiving multiple phone calls along with my husband and phone calls going to his place of work, messages left of a debt owed to please have him XXXX for a important matter.. a debt owed then they sent a man to our home on memorial day to serve papers to our home gave them to our daughter who is XXXX pounding on the door she said she went answered it finally to a man older gentlemen XXXX XXXX XXXX, he shoved papers in her face and said give these to your parents make sure they get them and was shoving them in her face, now all she had told this man was no I am not the person your looking for i'm related a daughter but gave no proof etc. then he goes shoveing these papers in her face not just two months after she was just assaulted by a gentlemen which also freaked her out not acceptable at all so we get served a summons to appear in court on XX/XX/XXXX at XXXXXXXX XXXX in court for a DEBT that is in a BANKRUPTCY and been charged off back in XX/XX/XXXX in which the XXXX has already been made aware of this and told to please stop calling me and my husband leave us alone stop harassing us yet now they try to sue 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 explanation
Consumer complaint received 2017-04-11
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX, XXXX, CA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CENTRAL FINL CONTROL acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: High Point Asset Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Repeated calls to my mobile number stating that I am a person of interest and they need to locate me to take a statement. Prior tactics included telling me that I would be served at home and at work by a certain date and time by a processor. Accusations of fraudulent checks for a debt I can not even verity I owe because prior discussion with company resulted in their representative refusing to give me information on the debt, becoming verbally abusive and then hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I RECEIVED A CALL FROM MY RECEPTIONIST. UPON ANSWERING THE CALL, THE CALLER IDENTIFIED THEMSELVES AS PORTFOLIO RECOVERY AND THAT THEY WERE ATTEMPTING TO COLLECT A DEBT REGARDING A XXXX XXXX ACCOUNT. I INSTRUCTED THE CALLER THAT THEY WOULD HAVE TO CONTACT ME WHEN I AM NOT AT WORK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed debt XXXX from my credit report and it was removed on XX/XX/XXXX under debt collector XXXX, XX/XX/XXXX under XXXX debt collector, XXXX/XXXX/XXXX under debt collector XXXX, and XX/XX/XXXX under debt collector XXXX. Now another creditor-Pendrick Capital Partners XXXX have placed the debt back on my credit report without notice or validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I mailed a multiple inquiry removal letter to each of the inquiries that I did not authorize on my transunion credit report on XX/XX/2017 in order to dispute information that was being reported on my credit report. I have also contacted the credit bureau who responded back that these inquiries were a statement of factual record of file access which again they were not and advised me to contact the creditors which I have already done. " According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I have no received a response in over a month one can assume that there was no investigation into this matter. I plan to purchase a home this year for me and my XXXX children and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complain due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Un-signed withholding documents. Transaction coded as a tax levy however Bank of America is unable to furnish supporting documentation for deductions against the account. Internal fraud. See attachments.

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 2023-03-31
Company: Experian Information Solutions Inc.
State: SC
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:
Hard inquiries listed on my credit report at know time given verbal or electronic permission to try and obtain my credit information. Any inquiries I made were presented as pre qualify with out hurting your credit. These need to be removed from all credit bureaus unless they can provide proof of my request. If proof can not be provided then all inquiries should be deleted and updated to reflect those changes. Again ANY proof I requested credit from any inquiry must be sent to me.

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 2017-04-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Since XX/XX/2016 I have been trying and doing everything the AES has asked in the time they have requested, but they still deny me the right to have a Long Term Repayment Modification on my account. I am unemployed at the moment and I need this because I am close to defaulting on my loan repayment. They have asked for paperwork that I have given in the time they gave me, but each time the come back with the same response ; " they have not recieved the porper paperwork in the time that was required ''. This is not true because I call them and make sure that I have all the paperwork that is needed in and in the time that they gave me to get it in. The person ( s ) I talk to they always say that I have it in, but some how I do n't at the same time. The are giving me the run-around and it is ethically unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collection agency has attempted to seek payment under a medical billing without proving they have a right to collect the debt. They were sent three letters beginning in XX/XX/2017 mandating they verify the debt and show proof of the contract to collect from the original debt holder and provide a copy of my signed authorization for the creditor use a third party collection agency. To date, they have NOT a copy of a contract or proof of my signature to a third party authorization. They were also informed the CA statute of limitations for the debt has expired and I will need proof they or the original creditor protected or extended the statute by filing a lawsuit and receiving a judgement in their favor. More than 60 days have passed without a response in writing or by providing the documentation requested. 

COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX COLLECTION CONSULTANTS Account Number : XXXX

Company response to consumer: Closed with explanation