BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Several months ago I fell behind one payment on my mortgage with CCO. I made a payment arrangement to divide that payment up into 6 payments due at the end of the month, instead of the beginning. For the last 4 months I have been paying as agreed and even paying a late fee monthly for the missing month 's balance, while they continue to report me delinquent to the credit bureaus. On XXXX/XXXX/2015 I found out from my insurance company that due to changes I had made to my policy many months ago, my insurance dropped significantly. The overage had been returned CCO Mortgage months ago. I contacted CCO to verify this, and the told me my escrow account now had a surplus. I am upset because the company refuses to release that money to me so that I can apply it to the my negative balance, and they refuse to apply it to the negative balance themselves. Instead they are requiring me to pay off my balance before they will apply the excess funds in the account to my loan. I believe this is an unfair practice because if I had no balance they would return the money to me. I understand CCO not wanting to release the money to me, but not why they refuse to apply it towards my loan. This is simply a way for them to continue profiting from the late fees they are charging. If they were to apply the surplus to my negative balance, not only would I no longer be delinquent, I would still have a surplus. This is also affecting my credit, as they continue to report me to the credit bureaus as late every month until that one month I was late is paid in full, even though I have been paying my payments as agreed in the payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered a pool online and paid XXXX to a company named XXXX. I sent the money through paypal. The pool never came so the company sent my money back to paypal but paypal wont give it back to me. I have documents to prove everything from my reciept to the company XXXX email telling me that the money was sent to paypal and for me to contct them for my refund. Paypal has blocked me or something. I try to contact corperate but they dont return my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX is not reporting on-time payments to Equifax. XXXX XXXX XXXX is only reporting past due payments in payment history. This is a FCRA violation and negatively impacts my credit score. Attached please see excerpts from Equifax credit report clearly showing only past due payments in payment history for both account XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After years of trying, in XXXX of 2013 Wells Fargo finally processed a loan modification ( after the MHA helpline intervened ). Unfortunately the modification as not done properly and instead of being " current '' once the modification was executed the mortgage was already thousands of dollars behind. While working patiently with them to resolve the problem I discovered that they had apparently changed the terms of the modification after I signed and sent it in, increasing the interest rate and adding a {$75000.00} balloon payment due at the end of the loan. After being recently laid off I applied for a HAMP deferrment and the application was being processed, but after I insisted on receiving answers about the XXXX modification being changed Wells Fargo sent me a letter saying my HAMP application had been withdrawn at my request ( it had not ) and they placed my condo into Foreclosure status and set a sale date for this tuesday without telling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I am seeking for the reimbursement of a check that I deposited on XXXX/XXXX/2016, at XXXX, into a WELLS FARGO ATM machine located on XXXX XXXX, XXXX CT, which the account became closed. 
I have been calling and going into the actual branch since XXXX/XXXX/2016, trying top retrieve that check and it has been unsuccessful. I am now claiming {$360.00} from WELLS FARGO that is overdue.

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 2023-02-07
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I trusted Marcus with the {$360000.00} in savings to buy a home. 

They've held my funds XXXX for more than a week and I am at great risk of loosing the house from inability to close. 

I've have been requesting a wire transfer from Marcus since XX/XX/XXXX, and it's now after hours on XX/XX/XXXX, I'm still waiting. I've been calling every day and they can only tell me it's pending or run me through a few more hurdles of verification steps. 

I've done more than half a dozen iterations of security verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've spent nearly a dozen phone calls and almost XXXX on the phone ; I'm currently on hold again with them again, XXXX XXXX  and counting. 

It seems like they are deliberately holding my funds hostage. 

They said if I was to cancel my account it would take them longer, so I just need to keep going through this waiting game on their authorization of a wire transfer. 

8 days and counting...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: Affiliate Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My name is XXXX XXXX not XXXX XXXX. When I called for the third time " XXXX XXXX XXXX XXXX  '' to dispute this false allegations made. I said I have full medical benefits I pay nothing out of pocket, so if this was me in Florida I wouldn't have a bill. She said to me, We all ready charged your insurance!!! They charged my insurance on a false identity, I have notified these people 3 times that this is Fraudulent. Then ask me to pay them the remainder. I am a single Mom working full time in XXXX. I don't live in Florida. This is not me. They keep calling and sending mail. She asked me for money when she knows the account is fraudulent and that they already charged it to my insurance. 

Thank you for your time : )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2020-08-08
Company: Phoenix Financial Services LLC
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 received a notification of a debt on my credit file. The debt was discharged by XXXX XXXX after I filed a complaint with The Illinois Attorney General 's Office due to billing practices. The debt collection agency never attempted to contact me in order for me to dispute the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Manager ; This is my 3rd or 4th letters that Im sending to your company regarding your violations of the FDCPA for not properly validating the debt that you claimed I owe you. Your continued reporting of this debt onto my credit report shows your willful violations of law because of your lack of validation and verification. Because of this, I will file complaints with the XXXX, The Consumer Financial Protection Bureau, Attorney General, FTC, and/or any other regulators thats willing to help me.

Again, this is a violation of the FDCPA 807 [ 15 USC 1962e ], therefore, if you can not validate the deb to its entirety, you must request that all credit reporting agencies delete the entry immediately. 

As of the date of this letter, if the negative account listed above is not removed from my credit report within 15 days, I will be escalating this matter and file more complaints as necessary to the regulators as mentioned above. 

Please be advice that Im keeping a close record of every move your company takes. Simply sending me bunch of statements is not a true testament or validation of this debt according to the provisions of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've requested a reasonable settlement offer to compensate for damages due to accounts opened by Wells Fargo reps which I did not need or want, no reasonable offer made to date. Damages include lost interest on monies unable to deposit due to information reported by Wells Fargo to consumer reporting agencies, information has prevented me from opening deposit accounts for several years now. Wells Fargo has mailed me numerous mediation request forms, six filled out to date, no reasonable offer made to compensate for damages. A mediation session was made with Wells Fargo rep, XXXX XXXX, an offer of {$300.00} presented, then increased to {$500.00}, which again does not cover damages. The mediation session appears to only cover damages by accounts themselves, not damages stemming from them. Further, prior remedy offers made including {$3700.00} by XXXX XXXX and the last offer amount of {$500.00} do not cover damages including lost interest during time period from last Wells Fargo account closed to date.. Failing to make a reasonable settlement offer, I request Wells Fargo to STOP sending mediation request forms, if not, they will be refused. Also, I request a mailing address to file a lawsuit against Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted a mortgage application to the XXXX XXXX branch of Citizens Bank located in XXXX, NY in XX/XX/XXXX. The mortgage broker for Citizens sent me a closing cost estimate and embedded into the estimate a full point without disclosing to me he was doing that. It was clear he did so in order to lower the rate and become more competitive with other lending institutions I was talking to. It turned out that the cost of the discount point was more that the interest I would have saved if I had taken his rate. When I complained to the branch what he had done the branch negated his action as unimportant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and DEPTEDNELNET with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Monarch Recovery Holdings, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls from Monarch Recovery from this phone number XXXX. I asked what this is regarding and they replied " Please verify your birthdate '' I said I will not give any info over the phone. They replied " We will contact you again at a later date. '' I have sent the company my XXXX credit report showing that I do not have any account in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo Dealer Services has violated the FDCPA. 

They are calling my employer phone # and leaving messages for me, this is after I have notified them that my employer does not allow personal calls and I asked them NOT to contact me at work period but they did on XXXX. This is after speaking with me twice on my cell phone while I was driving. 

The have violated the Act by contacting XXXX parties. There was no need to contact a XXXX party. I believe it was for embarrassment. I have spoke with them on the same day and on multiple occasion within the last 2 weeks!!! I am in frequent contact with WFDS and had been at least XXXX times within the last 30 days. I am a long time customer who has not moved or changed phone # during the life of my loan with them ( 4 yrs 9 months ). 

They have called my cell phone XXXX times TODAY ... ..this is harassment and annoying and also using up all my cell phone minutes for unnecessary calls. 
This is after speaking with the local office to set up a payment arrangement. Their tactic is, if you do not pay today, we have to keep calling you ... ..really, I do n't think so. I agreed to set up an acceptable arrangement. However, she wanted an additional {$10.00} to set up a payment, or I could do it on line for free. I came home to do it online and it will not allow me to set up a payment for a future date as she agreed on the phone. 

Really, somebody needs to speak with these people about these serious violations and how they plan to correct them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I opened a vechicle loan with Wells Fargo Auto XX/XX/XXXX. On my XXXX credit reports, Wells Fargo is reporting XXXX entries for auto loan, XXXX date with the correct date XX/XX/XXXX and the other with the incorrect date XX/XX/XXXX I never had or opened a auto loan with Wells Fargo Auto XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I discovered that I was a victim of identity theft when TD Bank sent me a congratulations letter for opening an account with them. I do not bank with TD Bank nor have I ever banked with them in any manner. I promptly notified TD Bank of the theft and completed a series of letters through the Federal Trade Commission ID theft reporting system. TD bank acknowledged this theft over the phone with me and said they were working immediately to stop/close and reconcile the matter. Now, about 1 month later, I am STILL getting bank statements from TD Bank indicating " my account '' is still open and in existence. I need this matter reconciled completely and all matters closed/cancelled with TD Bank please. I did not apply for any account and/or services with TD Bank and this is 100 % Identity Theft/Fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18
Company: P.S.C., Inc
State: WA
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:
I lived in an apartment for 3 years, noone did a walk through when I moved in, and the XXXX managemant company to take over the apartments just 60 days or so before I vacated wants to hold me to the terms of a lease I never signed. The XXXX in XXXX, WA representing the XXXX in XXXX, WA. Despite repeated attempts to contact them regarding this unfair charge, they sent me to collections for charges I do not legally owe. and ignored my XX/XX/2015 email asking for the charges to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase Cardmember Services Fax : XXXX XX/XX/XXXX To : Chase Dispute Handling Team, Re : Account ending in XXXX Claim ID : XXXX Transaction Post Date Merchant Name Transaction Amount Dispute Amount XX/XX/XXXX XXXX {$130.00} {$130.00} Please re-open dispute investigation and credit my account for the above disputed charges. Your investigation revealed Chase reviewed information available. Your letter included the following resolution : No evidence of a billing error based on your research and information available to Chase. 
Pursuant to CFPB Regulation 1026.13 ( a ) ( 3 ) ( ii ) : Nondelivery of property or services. In conducting an investigation of a billing error notice alleging the nondelivery of property or services under 1026.13 ( a ) ( 3 ), the creditor shall not deny the assertion unless it conducts a reasonable investigation and determines that the property or services were actually delivered, mailed, or sent as agreed. 
I contacted Chase Customer Service on XX/XX/XXXX and was provided the below tracking number and updates pertaining to my purchase. 

I have not received my products and unable to contact XXXX ( Merchant ) directly. There is no known/published customer service number, website, or address for merchant. The merchant did not provide a confirmation or tracking update. 
Chase is in violation of not conducting a reasonable investigation. In conducting an investigation of a notice of billing error alleging an unauthorized transaction under 1026.13 ( a ) ( 1 ), actions such as the following represent steps that a creditor may take, as appropriate, in conducting a reasonable investigation : B. Reviewing where the purchases were delivered in relation to the consumer 's residence or place of business. 
D. Comparing any signature on credit slips for the purchases to the signature of the consumer ( or an authorized user in the case of a credit card account ) in the creditor 's records, including other credit slips. E. Requesting documentation to assist in the verification of the claim.

I would like a credit to my account in the amount of {$130.00} upon review. Please advise at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: TX
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:
( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation