BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Experian. The account status is closed, but still listed. I disputed this account with Experian, twice, but XXXX times they have refused to remove it.

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 2017-01-05
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/XXXX XXXX night at XXXX and XXXX I went to the XXXX on XXXX to use the Mac machine I went to withdrawal XXXX from my account the Mac machine got to when it started counting the money but the door of the Mac machine never opens up it started acting like it was counting the money again and again the door never opens up instead a receipt comes out stating incomplete transaction. I went to the other machine and this time a receipt comes out stating to contact my financial institutions so I called them to let them know that the Mac machine took my money and that the door of the machine never open they stated that or their end that it showed that the Mac machine gave me my money and that they could n't credit my money back and that I had to send them the receipts. So I sent them my receipts and drivers license and they stated that I had to fill out a dispute form. I filled that out and contact them to see if they received it they stated that they had then they proceeded to tell me that they was n't going to contact XXXX that 's where the Mac machine comes from until XX/XX/XXXX then after contacting them then they were n't going to contact me until XX/XX/XXXX. But instead they contact me XX/XX/XXXX @ XXXX stating that they was n't going to credit my money back into my account and that if I wanted a copy of the form that they sent to XXXX bank that I could n't get it until 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Other fee

Complaint:
Well Fargo continues to violate federal laws and keeps charging me late fees and interest fees on a credit card account that was closed over a year ago. This is the second complaint in less than a month because Wells Fargo is still charging me excessive fees on my closed credit card. Please read my previous complaint made with CFPB, case number XXXX. Wells Fargo has also charged me excessive overdraft and several other types of fees on my checking and savings accounts. Wells fargo is charging me excessive fees on all of the accounts and products that I have with them. Wells Fargo also charged me excessive late fees and high interest fees on a closed auto loan. Wells Fargo has continued to charge excessive fees even after these accounts were closed. I had a checking account, savings account, business checking account and a business savings account all opened without my consent or knowledge. All of these accounts were not visible on my online banking and I never received bank statements for those accounts. These accounts kept getting several monthly severice fees and other fees and I never even knew these accounts existed. Every direct deposit of my paycheck gets taken away by Wells Fargo as an account right off on the accounts that were opened without my consent. Those accounts had received several fees before they closed and wells fargo keeps making account right offs and withdrawing my money from my checking account to pay off the excessive fees on the accounts that were opened without my consent and that were closed due to inactivity with large negative balances from the fees.

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 2021-01-07
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX the manager at One Main Financial continues to contact me at my place of employment. I have told him repeated times to not call me at work. One of the times he contacted me was on XX/XX/XXXX of XXXX at XXXX XXXX. another is XX/XX/XXXX of XXXX at XXXX XXXX. and several others before that. This is affecting me way more than emotionally and putting undue stress on me and my employer. I do not want to lose my job due to this gentleman continuing to contact me at my place of employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I contacted Western Union for an issue with the funds attached with my Western Union account. I contacted Western Union on XX/XX/2015 at XXXX XXXX in regards to changing the name of the receiver for my Western Union payment. The first person I spoke with was pleasant and helpful, then the supervisor was called because the number was n't the same as the number on file. I explained that I had already changed the number and that the new telephone number was all I had. XXXX then told me that it was a " compliance department problem and they were the only ones able to correct the situation '' he told proceeded to tell " me to hang up because know one would help me ''. After demanding someone else to speak with, he placed me on the line with a compliance officer who told me that it was " in fact the customer service department and them only who could handle such a situation ''. XXXX, the alleged customer service manager at that point because immensely disrespectful and rude. He then transferred me to another person, a woman by the name of XXXX, who was acted as if she was clueless on the processes of the customer service department. She then placed me on hold for 35 minutes and then hung up the telephone. I am overall disgusted and dismayed with the care I received on the telephone and hope that this situation never happens to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: BOK FINANCIAL CORP
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
By virtue of a single transaction larger than usual I had forgotten about a small transaction that had not yet cleared. These transactions ( one for {$1600.00}, the other for {$70.00} ) both cleared on the same day resulting in an overdraft for which the charge was {$34.00}. That seems high, since it was the XXXX instance since opening the account about fourteen months ago. Inquiring if an overdraft protection procedure was available, i learned that another checking account could not be used since the other account was a commercial account, but that a savings account would serve this purpose. No mention was made of any charges involved. It took about a week to get a savings account established, and to see how it would work, I again over drafted the personal account. It worked fine, but resulted in a {$13.00} charge for the service. This seems unreasonable. My sense of these transactions is they both were driven by software without any human effort required, which makes me think I 'm paying for service that I 'm not getting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midland funding contacted me repeatedly over a debt they bought when I had a delinquent charge off from XXXX XXXX XXXX back in 2014. They pressured me into paying it by threatening to sue me and garnish my bank account, and they called me upwards of 10 times per day. 

When I finally paid them, they told me they would delete the account from my credit report. I have disputed this with them multiple times stating that they said they would remove this account from my credit reports, and they still will not do so. 

Due to the fact that they used harassing collection tactics and lied about taking legal action against me, and the fact that there was a class action settlement last year against Midland funding due to their deceptive collection tactics, I request that their account be deleted from all three of my credit reports. 

Please let me know if you need any additional information from me about this and I will gladly be able to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX XXXX sold my debt to Suttell, Hammer, & White. The debt is legitimate. I asked, as per attached letters, Suttell, Hammer & White to cease all collection attempts and to stop ALL contact with me. The company has not only ignored my requests, but has been threatening me with legal action, mailing make lawsuits, tormenting, oppressing, and engaging in false, misleading, unlawful, unfair, and fraudulent practices. I am perfectly fine it this company wants to sue me. If they do, I 'll reply, but they can not continue to act with impunity by violating, blatantly, the XXXX Fair Debt Collection Practices Act, and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage got sold to Greentree. About 18 months ago I had a loan modification ( even tho I was not late ). They presented an amount of payment ( {$540.00} ). I pay $ 827 monthly ( proven by my bank statements ). They 've since sent monthly statements with varying amounts due. When asked why these amounts are different than the signed modification, I get no answer. Now they are saying I 'm late and have started forreclosure proceedings. I 've proven to credit bureaus and to Greentree my payments but they do not care. I see lots of civil suits and complaints on this company. I 've had nothing but nightmares with them. They also refused my personal insurance when I recently changed insurance companies, until they finally accepted the insurance, but not without trying to tack on their exorbitant rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, account with XXXX XXXX was placed in collections and transferred to National Credit Adjusters ( NCA ), per credit report, and open date reported XXXX XXXX, inaccurate. 

From XXXX XXXX, NCA contacted me and family received phone calls and my personal information was disclosed to family members. I received at least ten phone calls per day. I was threatened with communication tactics including numerous phone calls. I received phone calls and voice messages stating that a sheriff would serve me papers at home or work if debt was not paid, and I had one or two days to contact them before I was served. After the phone calls and threats, I contacted NCA. 

On XXXX XXXX, XXXX, I called NCA to get info about account. Was told account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX, and that they did not have my file anymore. 

XXXX XXXX, XXXX, I contacted XXXX and they stated that I owed a balance of {$640.00} balance, and if I paid {$320.00}, would receive a paid in full letter via mail, I paid the {$320.00} to XXXX. 

On XXXX XXXX, XXXX, sent an email to XXXX requesting a paid in full letter ( pifl ) and they provided me with a {$0.00}, in which they emailed me a letter ( see pifl letter ). 

XXXX XXXX, XXXX, I contacted NCA and representative stated I could send them the pif letter XXXX sent to me, and they provided me with an e-mail address. I emailed the pifl to NCA and received a response stating they could not accept letter, but need the correspondence directly from XXXX. 

After many calls to NCA, and them stating that they do n't have my file anymore but to contact XXXX, but NCA are reporting account. It is frustrating. For example, XXXX call to NCA, I spoke with a representative she stated I should 've paid debt in XXXX and the balance will not be changed overnight and I should 've paid debt a long time ago and they will continue to report {$640.00} on the XXXX and the XXXX of each month until they receive correspondence from XXXX. 

On XXXX XXXX, XXXX, I requested that XXXX send pif letter to NCA to update my {$0.00} balance. 

On XXXX XXXX, XXXX ; I was notified from credit bureaus that my balance with said account was {$320.00}. 

On XXXX XXXX, XXXX, I e-mailed NCA again to update accurate information with {$0.00}. 

NCA are still reporting that owe {$320.00}, last reported XXXX XXXX XXXX, XXXX ) and payment status is reported as a collection/charge-off, account status derogatory, no payments reported. They are still reporting the XXXX and XXXX of each month with inaccurate information. 

I have not had a pay day loan with XXXX XXXX since XXXX, never received verification of debt, but was scared of the threatening calls and being served papers by the sheriff office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PennyMac Loan Services is saying they are unable to provide home mortgage assistance due to a temporary financial hardship. We have been going back and forth with the company for XXXX months providing all the documentation we can and they now say that due to a job loss ( that was present at the time of initial application ) they are unable to provide any mitigation ( no loan modification, no temporary forbearance ). It is my understanding that those types of plans are meant to assist homeowners in keeping their home during a financial hardship. PennyMac Loan Services does not seem to provide these types of services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX XXXX XXXX, SC XXXXXXXX/XXXX/XXXXNational Credit AdjustersXXXX XXXX XXXX, XXXX XXXX XXXX, KANSAS XXXXRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against National Credit Adjusters for {$12000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
I was contacted by your company which called my cell phone on an auto dialer at which time I was made aware of an account fraudulently opened with XXXX. At that time I informed said collector the account was not mine and requested validation I also informed said collector to XXXX & XXXX the account until full validation was provided. Yet to my dismay the calls continued and no mail correspondence has ever been received. I had filed an initial complaint with your company at which time I was advised that the account would be closed and I would be mailed a letter that the account was satisfied. Now several months later I have requested that letter and it has never been provided. Now I have checked my credit and this account is listed on there as a collection/chargeoff account which has had an adverse effect on my credit and my ability to obtain credit. Your failure to update the credit bureaus and original creditor have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Constituting actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$5000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause XXXX Fair Debt Collection ActCase # XXXX XXXX XXXXYour prompt attention is appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred to XXXX then XXXX, and now Seterus inc after experiencing a financial hardshipp a few years ago ; since then our lives have been full of surprises, every time we turn around we finding out different problems. Our most recent was in XXXX XXXX XXXX I schedule a payment thru their web portal however we noticed that the funds had not been withdrawn from our bank account my husband, and my self have been in touch with the bank, XXXX XXXX, and of course this so call company. It is now XXXX XXXX and our issue has not been resolved. We are hopping that this is not an other trick to cause a late payment this way we are not going to be able to apply to remove the PMI that we have been paying since we bought our house back in XXXX. Due to the financial crisis the value of our home is low. And this is just the most recent problem back in XXXX I filled for bankruptcy however the mortgage was not included up to now I am still trying to make understand that this was not included in the bankruptcy. They keep asking me for a reaffirm letter from my lawyer I have discussed with my lawyer, and I was told that I do not need to reaffirm. During the time that the bankruptcy was in process they had increased our escrow, but we were never notified so every time we were making payments they did not post them and as result we end up having several miss payments because according to them the amount sent was not wright. In the mean time they never made a call to let us know. They also send someone to inspect the house and of course we were not aware, and there was a charge of {$15.00}, but because we did not know we did not added to our mortgage payment. I also changed my last name and I sent a written request to have this changes made. I do n't think any XXXX had the courtesy to look at my request. I have been reading many complaints about this company, and I can assure you that everyone is describing the horror they are living with this so call company. Please someone MUST have some compassion, and should try to help investigate the issues that many of us are going thru. I hope my complaint is not just XXXX more for the collection of this living hell situation, I also forgot to mention that when I requested to speak to a supervisor I was never transferred to no body. Please who ever is in charge to make sure that customers are treated with dignity, and respect needs to reenforce, and advocate for all of us and definitely take this crooks from continuing ruining peoples lives. We have already enough stress in our lives to worry about what is being done to our finances. I must also say that banks are so cruel to give your loan to people that do not know what their doing. Life is very strange on day your up the next day you maybe down. And when things like this happen is very frustrated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
REFERENCE : XXXX XXXXWhen I was deployed XXXX, my social security number was used by another to obtain a credit card. The card was opened " in-store '' and not online XXXX. I was in XXXX. It was impossible for me to open the credit card, there is no XXXX XXXX store XXXX. 
I have explained this to XXXX XXXX because they operate the XXXX XXXX card. I have given XXXX XXXX XXXX ( XXXX ) a copy of the police report. They refuse to take the credit card out of my name and insists on assigning this debt to me. 
Whenever I get this matter resolved with the credit reporting agency, XXXX changes the account number and reassigns the account to me under a different number. However, since I have NEVER NEVER applied for a XXXX -- they have no authorization to associate my identity with their business. They need to close this account and quit reporting the account as belonging to me. 
Attached are : my orders showing my deployment XXXX, a copy of the police report, and an Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I worked with a lender called XXXX XXXX, who later sold my mortgage to PennyMacUSA. At the time of loan origination, which was XXXX XXXX XXXX, the escrow balances on the account were XXXX for property taxes, XXXX for HomeOwner 's insurance, and XXXX for PMI. So the escrow amount per month is XXXX. The principal is XXXX and the interest is XXXX for a grand total of XXXX per month for a payment. Fast forward to XXXX, the Homeowner 's insurance went to XXXX per month. I received a bill for XXXX for the new monthly payment. When I contacted PennyMac USA, they claim that a the end of each year from the loan origination date, the escrow has a shortage. 

My take : If I am paying my mortgage every single month including the escrow amounts, then at the end of the year, my escrow should be paid off. This does not seem to be the case and therefore, I need this corrected. I was expecting a XXXX dollar increase per month which made sense to me since I am under the assumption that the escrow modification would have been XXXX which would necessitate the increase in the mortgage payment per month.

Company response to consumer: Closed with explanation