BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi ex employee and XXXX XXXX XXXX XXXX - how arre yall first? 

1 ) With Mr. Cooper, I filed a bankruptcy when i XXXX retired I did not include my house in the bankruptcy and in the bankruptcy agreement there was no mention of a {$250.00} fee to not include this in the bankruptcy. This is totally unfair and sneaking fees in is a no no. I disputed this them, they denied the dispute. You can call my attorney XXXX XXXX in XXXX, Florida. 

2 ) Mr. Cooper on thier website REQUIRED me to pay the {$250.00} disputed fee BEFORE paying additional principal to eb able to remove my PMI. ILLEGAL. We had to do a workaround with escalations to get the {$70.00} additional principle paid to remove the PMI which is no w removed from my FHA in the amount of {$110.00}. Letter on the way in 7 days for verification. 

3 ) Finally they charge a {$19.00} processing fee to pay over the phone which is non-disputable and excessive to make a payment. this needs ot be looked into in this day and age. 

Thanks you guys and good luck with Mr. Cooper. 

XXXX XXXX Retired CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount was immaterial ( {$97.00} ), was reported to the collection agency prior to being 30 days late, and was paid within 30 days from original report to collections agency ( paid within 60 days total from date amount was due ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09
Company: Receivables Performance Management, LLC
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple calls during the day. Some are hang up calls, some are answered, then I am put on hold for 20 minutes and then they hang up. Some verbal abuse, e.g. " you got yourself into this mess '', or " we never take it off your credit report '' ( I was attempting to negotiate a settlement in exchange for a promise to delete ). We get close to an agreement to settle, i.e. 50 %, then the next time they call they start all over again with 90 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX of my prepaid debit visa gift card issued by USBank that I bought @ XXXX in XXXX had fraudulent charges in them even though the card was still in the package on the date that those charges occurred. I filed paperwork according to the bank instruction and found out the hard way the wait can take up to 90 days long. The customer service at dispute department is n't helpful either since it 's extremely hard to get a hold of them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, I XXXX XXXX am i single mother, i have been attempting to get some resolution to my hardship for about two years now. I have done everything on my hands to save my home, wells fargo only is delaying my process by asking me for documents every time i call. I called in on late XXXX 2015 and was told to submit my package as soon as possible, so i did my package was confirm receipt on XXXX XXXX 2015.i was told that my documents were received by a team called exception team. But unfortunately they were never looked at their excuse was that because they were in the process of closing out my old workout they pretty much ignored my new package. They hand plenty of time to review at that time, i never received a courtesy call advising me of such event, i started communicating with that department more and more but i am not getting anywhere. They keep asking me for information that i have already sent them claiming that they cant postponed until i send in the information this is the third time i sent everything they seemed to not care and know my situation. They have been just wasting my time i think they want me to loose my home, they have not reviewed my current situation all they say is to allow them 72 hours today is XXXX XXXX 2015 and we do n't have 72 hours. They are not sending me any correspondence advising me of the status, i am just tired of this situation. I am getting to the point where i will be obligated to seek other resolution like litigation or bankruptcy.Wells Fargo has violated my rights as a home owner, i am requesting for them to postponed my sale date to allow them time to review my current situation since it has change they just have n't realized because of minimum since of urgency on their behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid XXXX XXXX for 2 accounts in the amounts of {$100.00} and {$23.00} that was placed for collection with Transworld System. I contacted Transworld system on XX/XX/XXXX to verify that they have received information that the account was paid in full. XXXX stated that their system had not been updated but she would send a message to XXXX XXXX to verify the account. On XX/XX/XXXX I contacted TransWorld System again and they said they still have not received verification from XXXX XXXX. I then contacted XXXX XXXX and they said they have indeed updated them and would send the information to them again to remove the account. XXXX XXXX then sent me proof of payment. On XX/XX/XXXX I again contacted Transworld System because the account is still reporting unpaid in my credit report. They again say they have not received information from the client that the account has been paid. On XX/XX/XXXX I called XXXX XXXX and again they said they have sent them the information. The representative place me on hold and sent the information again for a third time. Transworld System has been reported inaccurate information to the credit reporting agencies for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I been with Well Fargo for so many years ( since 2000 ) and the way their backing works is no fair. Before paying some bills, I always check the phone appt to see how much I have in my acct and then i pay the bills. but one the bills go thru i actually did not have what they showed so they overdraft my account, no ones but two time ( back to back ) i call and they are refusing to re-inverses my {$70.00}, it had happen so many times that i want to closed this acct, but i have been with them so many years that i think my credit will be affected. On the pas 18 months they have charge me {$910.00}, just on this fees. 
I would like to see if thy refund me some of this money is unfair how much money they make without my consent. 
Their appt shows something and when you used the money you actually do n't have what they said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a truck in XX/XX/XXXX, paid all my payments on time to wells fargo dealer services ( wfds/wds ) except for the last few months. I was late and contacted the company to ask how much the payoff amount is so that I can pay it when I got my income tax. They told me the amount over the phone. Sent me a final bill with that amount and I sent a check. Once they cashed the check they then sent me my pink slip on XXXX/XXXX/XXXX. I thought I was done with them after that until I went to apply for a home loan and was confronted about a charge off that I still owed {$290.00} to wfds. This is when I contacted wells fargo about it and they said that they will not remove that from my credit report. I then filed a dispute with the credit reporting agency and neither the agency or wells fargo would correct the report on my credit. I am now seeking your help to have this removed from my credit as I have paid my truck off. I have paid them the amount they requested and then received my pink slip. I can not get a hold of anyone every time I call the number listed on my credit report for wells fargo three different occasions. I have been transferred to over XXXX people each time that say they ca n't help me and each time I call, wells fargo uses this opportunity to update my credit report with this negative charge off with a remaining balance leaving it so that it never falls off my credit report. They are being fraudulent by falsely reporting this on my credit report as it is paid in full. They are also falsely reporting a balance when their should be no balance as I paid them in full and that was the only way they were going to send me my pink slip to my truck. They have recently reported on XX/XX/XXXX that my truck is in repo status. They are also not reporting the original date it was paid in full which is XX/XX/XXXX. They have ruined my credit and have caused me extreme emotional distress as I can not obtain a car loan or home loan because of their false report. They need to let go of their tight grip on me. I paid them. I am requesting that they remove this from my credit completely or at least change it from charge off to paid with {$0.00} remaining balance with the original date it was paid XX/XX/XXXX. This company needs to be extensively investigated because I know I am not the only one they are doing this too. They ruining people 's lives. Lien holders do n't release pinkslips with a remaining balance.

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 2016-10-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was stationed in XXXX XXXX with my family and Navy Federal froze our account for almost two month without telling us, when they finally released the hold on our account we were in serious debt. They were allowing all funds to be deposited but was n't allowing any funds to go out. When my Wife went into the Branch Office they told her that a third party requested a hold. She asked them why she was n't informed and she was told that they did n't have to. I called from the XXXX and was told the same thing. During the time our account was locked we accumulated a lot of late fees on all our bills. We were out of food at the house, the lights got cut off which lead to my Wife and kids depending on friends. It also lead to the borrowing of fund from our friends for gas money, food, health product etc. My XXXX was contacted constantly for non payment. We still have overdue bills that are outstanding because we were never able to catch them up due to all the late charges. We lost one Time Share Property due to this incident because we was never able to recover. My Wife developed XXXX and XXXX symptoms from all the stress this incident was causing which she is still suffering from and is currently on medication for. She was never able to go back to work which negatively impacted our finances, shifting our debt to income ratio in a way where we had more debt going out than income coming in. I was out to XXXX for two months with no money to buy the basic necessities need for XXXX life which affected my performance standards when it came to uniform and grooming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our servicer, Wells Fargo, did not send a payment coupon per normal to our attention after submission of our XXXX 2015 payment ( which was submitted XX/XX/XXXX ). As we pay 1 month ahead, a payment was sent without the statement ( for XXXX 2015 ) XX/XX/XXXX. Wells Fargo received this payment and sent us a new statement for an XX/XX/XXXX payment due date ( which was already submitted and the reason for our inquiry ). At this time, we also realized that our Escrow Account Analysis was not provided to our attention ( we know this as we were informed when trying to figure out what happened to our payment, that our payment amount had increased to cover the escrow changes ). Although the agent for Wells Fargo was helpful, it still does not explain why 1 ) the payment coupon and statement did not arrive ( we have been with Wells for over 11 years ) and 2 ) why an Escrow Account Analysis was not provided in a timely fashion. Also, when you have a payment history which shows your payments are made in advance, why does the servicer choose to apply all to principal. 
With both documents not being received from Wells Fargo ( the missing statement and the missing Escrow Analysis ), we have assumed Wells Fargo had a glitch in there system and did not produce the documents, as we did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi my name is XXXX XXXX and Venmo has held over XXXX of my funds past 180 days and wont release my funds or transfer them. There user agreement says they have up to 180 to hold funds and nothing says anything about a day later. Its been over a year and a half and they still wont give any explanation or anything. The date my account has been frozen is XX/XX/2020. They also sent me a email saying they would release my funds on a specific day and still it hasnt been anything. I will attach that with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: FL
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:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XX/XX/XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original CreditorXX/XX/XXXXXXXX XXXX XXXX XXXX MD ) XXXX Balance XXXX {$370.00} XX/XX/XXXX XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Asset Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I wish I could click more than XXXX item above that is an issue, instead I will list them here. 
Asset Recovery, they call under both names, continuously harrasses me on my cell phone and now they have started to contact me at work. Even going so far as to misrepresent themselves as contacting me on behalf of my employer ( while I was at work ) and asking me to confirm my ss # etc. They then laughed when I would n't and said I would most likely be fired. 

They are trying to collect on a debt I DO NOT OWE. My credit is clean. I do not owe XXXX. I contacted XXXX XXXX Services and they said they have no idea what XXXX or Asset Recovery are speaking of. My account is up to date and paid adn has been. 

XXXX/Asset is also saying that there is a lawsuit against me and they are going to inform my employer and I will be fired. I have been cursed at, yelled at and threatened day and night. It 's not stopping and now it 's at my place of my employment when I 've asked them to stop. 

This is a horrible horrible business and it seems there is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Account information incorrect

Complaint:
This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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:
These accounts are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report, no consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 )

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 2015-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian disregards rights of consumers and allows creditors to report bogus debts. I informed Experian that XXXX XXXX XXXX XXXX is reporting debts after refusing to properly validate them. All Experian does is reach out to the offending company and takes their word that the debts are valid when they are not. They do not conduct an impartial investigation, or any investigation for that matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of bankruptcy to any credit bureau. XXXX also has too many names associated with my credit report that are incorrect. My married name WAS XXXX XXXX and I am currently divorced I am XXXX XXXX XXXX currently now. I have included a PDF that shows everything highlighted that needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Public record information inaccurate

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions XXXX has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of bankruptcy to any credit bureau. XXXX also has too many names associated with my credit report that are incorrect. My married name WAS XXXX XXXX and I am currently divorced I am XXXX XXXX XXXX currently now. I have included a PDF that shows everything highlighted that needs to be deleted.

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 2016-02-02
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly!

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