BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-18
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On Wed, XX/XX/XXXX, XXXX XXXX, loan officer XXXX XXXX reached out to me with a new quote for a refinance on my home. He told me to not make the my XX/XX/2021 mortgage payment due to closing a loan in that month I should have 2 months free of payments. I stated in an email that I've made my payment XX/XX/2021 and he continued to state that he was going to reverse the payment because it should've been skipped. On Wed, XX/XX/XXXX, XXXX XXXX  I replied to XXXX and told him I made the payment already. On Wed, XX/XX/XXXX, XXXX XXXX  he stated " Yes that's in reference to getting two months without a payment. If we can refund it we will, but if the payment has already processed and the payoff shows due for XXXX, we won't be able to. '' and that was the last I heard about my payment. 

Now here it is XX/XX/XXXX and my payment is showing as late when I was told there's a possibility it could be refunded. I spoke to XXXX in Loss Mitigation from Village Capital and Investments on XXXX XXXX and she told me to submit my documentation to the documentation department and they will check with the cashiers about my payment. 

I called back today XX/XX/XXXX 5 times to their office to be hung up on, laughed at and belittled by the agents I spoke with. I found out that the cashiers office will not refund or reimburse me and now I'm stuck with a delinquent loan payment for XXXX. 

I was signing the documents under the impression I was provided by the loan officer that I would miss 2 payments. I was lied to and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
Today I went into the XXXX PNC Bank location on XXXX XXXX XXXX. to cash a check that was written to me from XXXX for overpayment in the amount of {$47.00}. I asked the teller if I could cash the check. He continuously asked what kind of a business was XXXX. I explained that it was my insurance company and that they are an insurance company for military personnel. He had my military ID card and my state issued drivers license. Yet he was determined to prove that the check was not valid. When he finally discovered that the check was good, he said he would have to charge me a {$10.00} fee to cash the check even though the check said PNC Bank. He told me it was because it was a company check. I felt like he was discriminating against me. After service like this I would never open an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother died XX/XX/XXXX. 
Her house still had a mortgage. 

My brother is executor and lives in the house. 
He has been trying to get a mortgage from PNC in his own name, but PNC is stringing him along with lies and false promises. 
He was paying the mortgage, but defaulted in XX/XX/XXXX. 

PNC bank has filed foreclosure suit against him, me, my son, and my nephew for the debt. 

My son, nephew and I have nothing to do with it. 
It is not our mortgage. 
It is not our house. 
It is not our debt. 
It is not our responsibility. 
It should n't be our problem. 

We have relinquished all claim to the house, in writing, XXXX TIMES. 
PNC Bank and XXXX XXXX XXXX, PC, repeatedly state that they are a collection agency and these are attempts to collect debts. 

Despite our request to do so, PNC and XXXX have failed to provide us with a single document indicating our responsibility for this debt. 

They refuse to remove our names from the foreclosure action, even though they have admitted on the telephone that they know we do n't owe the money, they continue to state in writing that they are trying to collect payment. 

The foreclosure suit has been stayed pending my brother 's completion of the court 's " Save Your Home Program ''. 

PNC 's and XXXX 's claims that I, my son, and my nephew have defaulted on this mortgage constitute LIBEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, XXXX I ordered an {$440.00} item from an XXXX seller ( now defunct ) using my credit card issued by : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX The XXXX seller subsequently provided a fraudulent confirmation number claiming that XXXX had delivered the item I ordered on XX/XX/XXXX. 

I was at home at the stated delivery day and time, and no package was delivered. I called XXXX after receiving the fake delivery claim from the seller, and confirmed the following : No package delivery to my address had been attempted by XXXX on that date. 

The delivery confirmation number the XXXX seller provided was for a 7.10 lb. 
package, and certainly not for the approximately 90 Lb. item which I had paid {$440.00} for. 

The package was sent from an XXXX account ( whose identity XXXX would not disclose ) not from the XXXX seller who billed me. 

And correctly delivered by XXXX to another party at another address in the same zip code, as the sender directed. 

XXXX stated Their was nothing they could do, as this delivery was flawless, it just had nothing whatsoever to do with me or the item I had been billed for. 

I have stated the same over the phone to three XXXX Mastercard representatives, and also in multiple written communications, and pointed out that they merely have to contact XXXX to confirm that delivery was never made, and I am not responsible for payment. 

XXXX Mastercard has reputedly replied with form letters asserting that I actually did receive the item I ordered, without making any attempt to investigate the facts proving otherwise. I believe that XXXX Mastercard 's refusal to investigate and settle this claim in my favor prior to this time is a violation of the Fair Credit Billing Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: PNC Bank N.A.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Sold a pc of furniture on XXXX. Pnc bank told us funds could be used next day but we knew better so called to tell them we had to make sure check was good b4 we used the funds bcz we had to take shipping charge out then they told us check in " floating stage between banks so we waited a few days later then they said it was paid by usbank so we sent out money for shipping. Then next day check did not clear. We called to let them know that they had assured us it was ok and total chaos hit at that point. They advised us wrong took all our money except XXXX and now it 's on our credit report and bank info that we ca n't have checking acct. totally unfair!

Company response to consumer: Closed
Consumer complaint received 2015-04-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen took over my loan from XXXX. It has been nothing but a nightmare since. Ocwen stated that I did not pay my property taxes, so I paid them the deficiency that I owed. After this this ( XX/XX/XXXX ) they have continued to add fees without explanation. The long story short is that each month Ocwen creates new fees out of nowhere. When I try to call to discuss and get an explanation for the fees, I get transferred to a specific guy in XXXX. He will not listen to anything that I have to say. He just repeats himself over and over again or continues to change his story. This has been going on since XX/XX/XXXX. Can you advise what I can do for help? Note : the customer service department had originally fixed everything. Then the research department ( out of XXXX ) reverted everything back the mess it started as. For several months I received several different statements montlly none of which matched. Upon more complaints, they stopped the correct versions of the statements. I finally stopped calling them after a year 's time and looking on line for help. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: HANCOCK WHITNEY BANK
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I brought a check for {$130000.00} payable to myself, my husband, and our mortgage company, Whitney Bank to the bank. The check resulted from our claim due to flood damage. The bank said they would send the check to XXXX ( XXXX XXXX ), the company which services their accounts. I also gave them copies of receipts for {$26000.00} that we had already paid out toward renovating our flood damaged home. XXXX later sent us a check for {$22000.00}. I had been told during two phone conversations with them that I would receive a XXXX of the insurance check amount in XXXX draws as we progressed on the renovation. I have contacted both Whitney and XXXX to try to find out why I did not get a XXXX of the insurance money. XXXX says they wish they could help me, but said it was up to XXXX. XXXX with XXXX called me yesterday and said the amount was determined by " a federal law '' ( her exact term ). When I questioned that, she said the local bank manager could decide how much to disperse. I asked if the bank manager could make a decision to override a " federal law, '' and she said yes. She said her company just does the paperwork for the bank. My husband and I are frustrated that the bank is not giving us a fair amount of our insurance proceeds, and that the XXXX companies involved say the other company is responsible. While the mortgage company ( XXXX or Whitney? ) holds most of the money, we are paying for the renovations, by writing checks on our second mortgage line of credit at Whitney which means we are paying them interest while they happily hold on to our insurance proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in a pre-modifcation program where you make a certain number of payments and then are eligible for a permanent modification. I made all of my payments but I was receiving letters from the mortgage servicer that I was in default because I missed a payment. I sent a fax of the payment confirmation of the payment they said I missed and called to follow-up. I was told that they could not locate my payment and that my account was in active foreclosure. I called the next day and spoke to a young lady who located the disputed payment, acknowledged that the company received the funds and was helpful in contacting a supervisor and getting the issue straightened out, or so I thought. Since then I made my final payment of the series and have since received a letter notifying me that my account has been referred to an attorney, received letters from the attorney that due to failure to make payments that my loan is in default and foreclosure proceedings were being initiated. I have made all my payments, I can verify that the payments were made and applied to my account and yet they are proceeding with foreclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Refused to send verification of debt via mail after I repeatedly asked and told them I have not received anything through the mail in over a year. Debt collector then told me I was lying and told me not to waste his time so he could move on to someone who actually wanted to pay their bills. Refused to let me speak and laughed at me when I started getting frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-15
Company: ECMC GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
the number provided represent a company I am independently contracted with but is not an employer - they have been notified to never contact me at any employment/contract venue ever. They have been notified repeatedly and continue to violate the request. Further, the last occurence, they failed to DISCLOSE the conversation was being recorded until AFTER making the representation that we were " friends '' or otherwise had an existing relationship - WE DO NOT. These tactics violate the consumer rights on many levels. 

Further, the amount of repeated calls - even several in one day is beyond normal volume and is considered harrasment.

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 2021-05-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  XXXX and TransUnion are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX XXXX  and TransUnion since ( date of first round ) asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

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 2021-05-19
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Had 2 XXXX cards valued {$300.00} and sold them thru PayPal and I've never gotten my money and then was told to repurchase 2 more cards value {$300.00} or I would be charged fraud, so I did this value overall I'm out {$600.00} and want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I believe I filed complaint against MCM or Midland Credit Management before.. They are one of several debt collection buyers who were allegedely collection debt on behalf of XXXX. I wrote to XXXX directly and receive and positive response. Stating that XXXX does not report to credit bureaus. So since when collection agencies have more to say than the original creditor? I read all the federal rules about reporting and collecting practices. I also noticed among several of my collection letters that that dates of last activity keep changing. I believe that 's illegal. This particular account according to XXXX XXXX letter only existed one month from XX/XX/XXXX - XX/XX/XXXX. The balance of {$1600.00}. XXXX includes activation fees, third party downloads, etc.. Also in another letter to MCM I attached a class action letter including my account as being part of XXXX fraudulent overcharges. Yet this debt buyer has the nerve to constantly herrasse me ( XXXX woman )?!! I will send you this official XXXX letter of or when needed. I have a claim with the government class action suit. So maybe they need to pay me for all the misery, hassle and worth ending of my health XXXX XXXX XXXX survivor ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I submitted a PPP loan 5 times to Wells Fargo. Each time they stated to me that the SBA declined the loan. Each time I called they told me to re-apply. Finally, after the PPP funding ended, I was told there was no longer anything they could do. So I asked them please provide me the loan numbers from the SBA for the loans that I submitted. They are now saying that they did not submit any of the loans to the SBA and they declined the loans themselves. So they decided not to submit my loans. Had they, I would have an SBA loan number and I would be able to fix the issues that they say was a problem which was not a problem. They basically did not care about small loan amounts and did not submit any of my applications to the SBA.

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 2021-05-19
Company: General Motors Financial Company, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial, had not provided me with a billing statement since XXXX XXXX.. For an auto loan. Ive been lied to multiple times by the employees on phone. I been promised billing statements, they said via email, but I dont get one. Ive been battling this corporation for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America claims I did not have enough money in my account to cover the XXXX debit so they are reversing it, and giving me a {$35.00} overdraft on top of it. 

I have proof that at the time it was debited from my account, there was enough money to cover. 

Bank of America again using dirty tactics to pull the wool over customers eyes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: Ditech Financial LLC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greentree is illegally boosting my balance to collect more money on a collection than I owe. I have attached XXXX copies of my credit file page showing Greentree 's loan. In XX/XX/XXXX they showed a XXXX balance but listed that it was transferred to another lender. In XX/XX/XXXX they showed the balance of {$210.00}. When I called to pay this amount, they jacked up what they said I owed to {$810.00}. 
The Fair Credit Reporting Act provides that a creditor must report accurate data to the credit bureaus or remove the account. 
Sec. 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
If the {$810.00} is a correct balance, then Greentree committed willful negligence when it reported {$210.00} to the credit bureaus on XX/XX/XXXX. 
Regardless ... boosting a balance from {$210.00} to {$810.00} in 30 days is illegal and unethical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX  XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2021-05-19
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following collector is claiming that I owe them WAYPOINT RESOURCE GROU ( {$650.00} ) but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation