BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I submitted my payment through the Carrington Mortgage website. A week later I received a letter stating that the payment date, amount and confirmation number of that payment. 
On XX/XX/XXXX I received a letter stating that I did not pay my mortgage and that a fee would be assessed. When I called the company, they said that they could not locate the account and that since payment was not made in time, I was late. When I asked why they did not contact me and let me know that they could not find the account information, and that I received a confirmation of payment letter, they stated that they " manage XXXX mortgages and that they may not have gotten to me ''. When I stated that this was not my fault, they said it was they stated " it was my fault because it was done through the website and I entered it incorrectly. ". I said " how do you know that and if that was the case why did n't I get a notification that you did not have the right information instead of a confirmation of payment? ". They referred me to the voicemail of a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX I placed an online order with XXXX. Their website refused both XXXX and XXXX XXXX times.The site said the charge was refused.When I called XXXX the person said they got the wrong expiration date while I was looking at the order form which showed the correct dates.The only payment that was accepted by the website was Paypal. When I got the statement from Paypal I asked for a paper statement which I never got.The next month ( XXXX ) I asked Paypal to bill my Visa which they never did. Now Paypal wants late and interest fees when I have already sent them a check for the original amount.This month they want additional late fees even though I have written them to cancel my account. I tried to pay them twice and they refused both. They want my bank account numbers which I absolutely refuse to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX  dollars of  XXXX  dollar deposit held for 10 days. Account intentionally overdrafted on the bank 's processing day. I have not used my account since Friday and I wake up and I 'm overdrafted almost 100 dollars on Tuesday which is the day they do the processing. How can I be positive all weekend through Tuesday then suddenly I 'm overdrafted 80 something dollars and no use of my account. It 's impossible. They decided arbitrarily to hold 80 % of the deposit. The first agent lied to me and said the deposit was NSF and this was why they held the funds. I conference in my dad who made the   XXXX   dollar deposit from his account and then they denied that was what was said and the check was fine. The supervisor   XXXX   kept muting her phone and laughing. After she came on she denied the deposit was NSF. I have no idea which end is up or what 's going on. Is it NSF? Or they are holding   XXXX   dollars for 10 days because I 'm overdraft. I think they are taking advantage of the fact that I just filed for bankruptcy and they feel they can do whatever they want with my money because I have no options right now, and I 'm extremely poor as well so I ca n't protect myself. How can I live on less than 100 dollars for 10 days? Who could? Nobody. I do n't know what to do. Please help me! I 'm in a complete crisis and do n't know what to do. If I would have known this was going to happen I would have only deposited the exact correct amount and asked my dad for cash. This is wrong. I 've been completely scammed and tricked and taken advantage of. These crooks have stolen my money.

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 2015-10-09
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The US bank continues harassing me with telephone calls demanding verification of my retirements funds which is simple unacceptable. On XX/XX/XXXX @ XXXX I received a call from XXXX XXXX ( XXXX ) XXXX XXXX demanding verification of my income. The funds are electronically deposited to my checking account since XX/XX/XXXX ; consequently, the US Bank continuously telephone calls demanding verification of my income is a desire to harass me which inflicts severe emotional distress. The US Bank have all information kept in files. Additionally, the US Bank have the option to communicate with me via e-mail. This type of harassment needs to stop immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The verified information is from a third party. This company is verifying a signed application with another company. This should be removed from my credit because I do n't owe your company anything. I did not sign a contract with millennium financial if you can provide me a signed contract that I signed with your company I will not continue with these dispute efforts. I have not elected to hold a contract with your company, and have no obligation of payment with your office. I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was banking with US bank, after a scheduled transaction came out early and overdrew my account, US bank started to charge me at least XXXX overdraft fees per week, they would not stop.. I called and tried to cancel my account, they would not close it, every time they would try and transfer me to someone, nobody would answer, I got no help multiple times with anybody that I ever talked to and all they ever told me is we cant help you because your account is overdrawn.. the fees kept piling up and I had no way of catching up with also being unemployed

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 2017-07-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company and informed them the debt did not belong to me it belong to   XXXX   other family member who shared an account with me. the debt belongs to them I have disputed this numerous times including the other family members SSN and information. They are also reporting the account as opened in 2017. Please see pages 18 and 33.

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 2017-07-18
Company: JH Portfolio Debt Equities, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.

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 2017-07-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
BECAMER  XXXX  TOLD BANK TO ACTIVATE THE INSURANCE AS I HAD A   XXXX   XXXX   XXXX   BANK INSURANCE SHOULD PAY IN FULL THEY DIDINT THEY COMMITTED FRAUD

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 2017-07-18
Company: Optio Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
US Bank assessed a monthly fee that amounts to more than 10 % of the account value, for having an account that I use for savings and have had dormant. I find this to be unreasonable and am filing a complaint seeking reimbursement of the fees assessed for XXXX 2015 and XXXX 2015. 

I just made a deposit of {$50.00} and already {$10.00} have been taken out in fees. This is ridiculous and it is unfathomable that a bank that used TARP funds would resort to such petty tactics in order to make a profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
What happened was they told me they had the right to show the wrong info for 5 years if they wanted to. That means I can't get a bank account with any decent bank until XX/XX/22. 
The deal was a check I deposited that turned out bad I was sent to do a supposed secret shop, which for me was nothing unusual. I had been secret shopping for the last 3 or 4 yrs prior and never had any problems. So when this happened I got so scared that I quit secret shopping all together and just stuck to my XXXX check to live on. 
I have gotten in touch with XXXX XXXX XXXXXXXX and they tell me that I don't owe them a thing and there is nothing against me in the computer, other than they closed my account.

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 2017-07-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Relocated from   XXXX   XXXX   Florida to  XXXX  Florida due to being unemployed.
I found a job on   XXXX   XXXX  . I leased my home in   XXXX   XXXX   Florida to try to off set some on my bill. I request a RMA with Carrington mortage company and was denied.
They stated that I must live in the home now. I want to keep my home as I will be returning   XXXX    2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX / XXXX /17 I called Wells Fargo regarding my credit card debt with them, which was for  XXXX  . I was told that if I settled and paid  XXXX  $ that I would get a " settled in full with a current balance of   XXXX   '' letter. So, I paid the  XXXX  . I now have a  XXXX  $ debt with them that showed up on my credit score. I am trying to get approved for a home loan and my score has now declined since this  XXXX  $ " debt '' has been re reported. I called Wells Fargo to discuss this and  XXXX , the manager, said that no matter what the issue, I still have a  XXXX  $ debt with them and it will never show on my score as a "   XXXX   balance ''. I have asked them to pull the phone conversation I had with them when I paid the settled amount because they specifically told me that I would have a current balance of  XXXX  with them. This is common sense, if you settle an account then no remaining balance should be owing. I am demanding that this issue be resolved and that Wells Fargo send me a  XXXX  balance letter. I have attached the letters Wells Fargo has sent me regarding the situation.

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 2015-09-16
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I got a new job in a town that is XXXX hours from where I currently live and work. I wanted to buy a house in the new town and move into it prior to my start date at my new job. I contacted Quicken Loans, and I was told by their agent that buying a house prior to the start date of my new job would not be a problem. I was pre-approved for a loan through Quicken, and I put an offer in on a house in the new town. My offer was accepted by the seller. When I told the agent at Quicken this, I was told everything was fine/there would be no problems. Then several days later, I was told that they would be unable to start the underwriting process until I had received my first paycheck from my new job. I have extremely good credit ; I have been employed in the same line of work steadily for 8 years ; I am currently employed and will be between jobs for less than one week ; I have a low debt-to-income ratio ; and I have an offer letter from my new employer which gives my starting date, the amount I will be earning, and that I will be guaranteed 40 hours per week. When I started the loan process with Quicken, they told me this was sufficient. Then, several days after the process was going, and after I had put down {$5000.00} EMD on the new home, they tell me that I will not qualify for a loan from them until I can produce a paycheck from the job in the new town that I will be moving to. They claimed this was because XXXX desktop underwriting program " requires at least XXXX pay stub [ Sic ] so we would n't be able to close until we have a new pay stub. '' I feel that Quicken loans purposely mislead me and was dishonest to me when they told me that I had everything necessary to get a loan and to close on a home prior to my start date at my new job. Furthermore, I do not believe that they are being completely truthful about the XXXX pay stub requirement, as I have multiple factors that point to my being an extremely safe borrower who has a guaranteed future income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Because they failed to validate the debt in the timeframe allotted according to the FDCRA and other applicable laws this item was legally deleted from my file. After my wife filed a claim against them with CFPB stating that had failed to validate her debt and therefore should remove it from her credit report, they in turn RE-INSERTED the erroneous information on my credit report on XX/XX/2016. Select Portfolio Servicing has worked overtime to ruin our life with their fraudulent reporting. They have further sought to even comply with the law in reporting to the credit bureaus and have cause me irreversible harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Miller, Stark, Klein and Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Dear Sir or Madam : Miller Stark Klein Assoc offered me a settlement for the outstanding auto loan with   XXXX   XXXX   from  XXXX . Claiming in order to avoid court proceedings, I should pay immediately. I paid {$1900.00} to Miller Stark Klein on  XX/XX/XXXX , with the impression that my debt with   XXXX   would be settled and rectified.
Unbeknownst to me, Miller Stark Klein Assoc does not have proprietary rights of the outstanding debt with  XXXX . In fact they have zero correlation to said debt with  XXXX . I contacted   XXXX   as of  XX/XX/XXXX , the debt is owned by   XXXX   XXXX   XXXX  .
I am being summoned to court for the amount due in full by   XXXX   XXXX   XXXX  . Miller Stark Klein falsely represented themselves, leading me to believe they were acting on behalf of  XXXX . They defrauded me of my {$1900.00}, all the money I had available in order to settle this debt. Now I am in the midst of a much bigger predicament.
I want my money back! I want Miller Stark Klein to be penalized for misleading people. What they did was wrong ethically. They should not falsely take money from people that are struggling to repay their debts. I am willing to collaborate and/or offer full support to CFPB in regards to this request.
Sincerely,   XXXX   XXXX     XXXX   (   XXXX   )   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a bank account with US Bank and created my personal account there. I was told there would be no charges, and there were none for a while. However, recently I have been getting charges on XXXX accounts. I opened XXXX because I was doing the personal banker a favor by opening accounts they called me out of the blue to open. They told me they needed them for the quota for that month. I stated as long as I do not get any fees I will open them I am getting fees on them like monthly maintenance fees and getting coinage fees. I can not afford these fees and I do not apreciate them charging me without my knowledge.

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