BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
My mother, XXXX XXXX XXXX, purchased a Certificate of Deposit in the amount of {$8000.00} from XXXX on XXXX XXXX, XXXX. She kept a lock box on her dining room table with all important documents. She passed away XXXX XXXX, XXXX. My only sibling and I decided to let this CD continue to mature. He and I agreed that I should remain custody of our mothers personal matters. He was a homicide victim in XXXX XXXX. He left no heirs. I have known where this CD has been kept since her death. I decided in XXXX to negotiate the CD as it is now 29 years old. I went to Wells Fargo ( who merged with XXXX XXXX in XXXX ) and presented the original CD and was referred to a banker who after seeing the item referred me to a different banker to help me. My mother left no will, so the bank sent me to obtain a " Affidavit for Collection of Personal Property '' I filled out the paperwork, had my signature notarized and returned to the bank. I was then informed that this issue would be " escalated '' to the branch manager. The bank made photocopies of all my paperwork and asked me to give them some time to " investigate ''. When speaking with the bank manager, XXXX XXXX, she agreed with me that the certificate is the original, I then pointed out to her several " highlights '' of this particular CD. ( at the top, it states " continuous-no renewal necessary '' and near the center of the document it states " upon presentation and surrender of this certificate ) ... please see the attached copy of the document ). I returned to Wells Fargo located at XXXX XXXX XXXX XXXX yesterday ( XXXX ) and made contact with the bank manager who told me that even though she had " escalated '' my case, the entity who she sent my case to has declined to negotiate this CD. I sincerely believe that my mother would have surrendered this CD, IF she had wished to negotiate this document. Wells Fargo is unable to offer proof of when they cashed this CD. XXXX XXXX ( before she sent a copy of the document to whoever could assist her in this matter ) agreed with me as I pointed out the phrase " upon surrender of this certificate properly endorsed '' clearly stated on the document that I was attempting to " surrender '' it. My belief is that this document : a ) has never been cashed ; no entity would " take someone 's word ( my Mom 's ) that they had not cashed it and give my mother the value of the CD plus any interest it would have earned, b ) was never lost by either my mother or myself. 
I feel that Wells Fargo should negotiate this CD ( face amount PLUS any and all interest earned for 29 years and 1 month ). 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX AZ XXXX ( XXXX ) XXXX XXXX ( cell )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is fraudulent transactions resulting from identity theft. I provided Navy Federal Credit Union with a FTC Identity Theft Affidavit and they have not complied with the laws to remove unauthorized transactions nor stop reporting incorrect information to credit report agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent a document to Portfolio Recovery requesting proof that they had verified several accounts on my credit report prior to reporting the information. Previously, I have sent additional letters requesting this data, which they have not provided. 

Consumers are entitled to review the original sources of the information reported, including originating documentation. Since no information at all has been provided by the bureau, it is impossible to verify that these accounts are being reported accurately. 

Please direct Portfolio to promptly remove the unverified items from my credit report until they can verify their legitimacy. 

I have attached copies of all letters sent, along with receipts from the U.S. Postal Service indicating the mailing dates and the date they were received by the credit bureau, along with copies of all correspondence I have received from the bureau. 

Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 u.s.c 1681 section 602 A. States I have right to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-10-14
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the validity of your attempt to collect a balance as it has already been paid. 

My HSA plan, XXXX XXXX, paid this in XXXX XXXX for a service from XXXX delivered in XXXX XXXX. The debt of {$23.00} was paid in a timely manner, but XXXX is having an internal issue with posting the payment properly. 

I also called XXXX on XXXX/XXXX/XXXX to dispute the bill and had a conference call with my representative at XXXX XXXX, XXXX, as well as XXXX from XXXX XXXX. XXXX provided XXXX the virtual card payment authorization # XXXX and confirmed that XXXX processed the payment on XXXX/XXXX/XXXX. 

I then called AGAIN on XXXX/XXXX/XXXX to XXXX after receiving another statement, and spoke to XXXX. She told me that she saw a note that the Deposits Department was investigating the missing payment and she was sending them another message to get an update of the status. 

I have not received another bill since this time, so my assumption was that they found the payment and applied it to the account. 

It is now XX/XX/XXXX, which is 16 months later, and I am being contacted by another collections company about this same debt. I called the company, American Medical Collection Agency, today and advised them that this has been paid, provided a copy of the HSA statement showing the deduction of funds and the background information presented above. 

This is unacceptable to continue to be harrassed for a small dollar bill that has already been paid in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union was sent a Cashier 's Check and mobile deposit cheques that have been dishonored and not processed, also said by XXXX an agent of the credit union, that the mobile deposits were returned. For what reason was asked, and was told that the federal reserve board and the institution were it came from said the check was invalid, proceeded to ask for proof of that and was denied. As for the Cashier 's Check, sent on XXXX/XXXX/16, was informed by XXXX that it was still processing, which should have been processed 2 to five business day for funds to be released. Through this period of trying to resolve the problem, a statement of account was asked to be sent to the credit union, it was complied with and sent through fax. After speaking with the agent, it was informed that the account is in overdraft of almost $ -XXXX and that it is frozen for no access. XXXX informed that the account will stay frozen which in no way able to perform a cure to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, and # XXXX has violated my rights.

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 a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I started my complaint with the regular customer service to apply for a " Affordable Fixed Mortgage Payment ''. After I was bombarded by several financial and family lost XX/XX/XXXX followed to a XXXX leave. I applied 3 times for a Loan Modification or a Home Affordable fixed loan. Every month I 've called the Wells Fargo Bank to checked the status of my application. Every month I was told that they did not can not do anything earthier my self just to wait just to waited until a final decision was made and I asked bank if I should make the payment they said not to make any payments until decision was made in my modification was made at the conclusion of the case. The bank waited 8-9 months to informed me that my loan modification or affordable payment was denied! Not just that.. I was told that my credit was not going to be affected! That was not true! They sent me to collection, charged me late fee 's for all the most that I was behind and also they are charging me escrow??? When I asked why they were changing me escrow I was told that they were changing me for the property insurance?! When I have insurance, I have this insurance for many years. When I faxed them the proof of the insurance. They ignored my fax and they 're still changing me for insurance otherwise I been paying insurance twice since I paid for my insurance back in XXXX XXXX. Now staring XXXX XXXX, XXXX, my mortgage is going up {$700.00} dollars more in my mortgage, not including property taxes and Insurance, besides others regular expenses. I when up to the Executive Department and with out sympathy, a executive by name XXXX executive assistant of the Vice President XXXX, told me that if I can not afford to make the payment anymore. They will put my house in foreclosure simple as that! I started crying over the phone while I was talking to him, I told him that I could not believed that they were so unprofessional and do not care taking over families roofs! My loan has a lots violations.. Pls help to get an affordable mortgage payment. Please contact me my email address is XXXXXXXXXXXX, phone XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Account Info XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX Employers XXXX XXXX XXXX

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 2016-08-12
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: OCEANSIDE MORTGAGE COMPANY
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In addition to my complaint I'd # XXXX, which Oceanside mortgage has not answered, I was informed by a loan specialist a XXXX XXXX  that Oceanside had told the credit department that my monthly payments are always late. This is not true!

Ever since I set up a loss mitigation agreement, all my statements have been on time and generally paid on the due date ( 1st of the month. This bank has made numerous mistakes on my account, but stonewalled me with conflicting information. I am trying to refinance with a different company, but Oceanside is holding me back because they distribute the wrong info. Please help me settle this mess. At the rate Oceanside increases my monthly payment, I will not be able to afford my house any longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My payment went up due to my tax bill increasing. That is fine and I am willing to pay what I owe. Gateway additionally raised my payment by {$96.00} due to " shortage '' which is actually not a shortage but a reserve cushion. Although RESPA allows the mortgage company to collect a cushion, it is not a requirement per FHA, XXXX or XXXX so it is up to the mortgage company. I can not afford to give Gateway an additional ~ {$1200.00} this year just to sit in the escrow account and never be put to use. I emailed them and asked them to waive the requirement and they never responded. I left this " shortage '' off of my XXXX 2017 payment and now they are refusing to apply any of the payment until they receive it, threatening me with additional late charges and fees if I do not pay it. They have more than enough to cover the P & I and the stated escrow items, just not the cushion amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Receivables Performance Management, LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX due to a change of address which was mailed to an address i do not know nor ever resided at, which stated an debt was owed for service, multiple cell phones and a watch. I went to store in which i was told by a manager the account was opened at an store in the area that was being investigated for fraud and the account has multiple names listed on it. After this i started being contacted by Receivables Performance a collection agency telling me i owe the amount of {$2200.00}. The collection agency has been contacting me at my cell phone number that i have had since mid 2019, that service was started with XXXX then changed to boost moble and been with every since. I was told by Receivable Performance the account could not be a fraudulent account because someone had previously paid on it. However they would not provide who, where, or how it was paid. Ultimately i did not open this account, nor gave anyone permission to do so. address associated with the account i never resided at

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Lending Club Corp
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
THIS IS NOT A DULICATE COMPLAINT BUT XXXX REACHED OUT FOR COVID RELATED HARDSHIP ON XX/XX/XXXX WAS PROVIDED INTREST EXT ON LOAN ENDING XXXX//XXXX  SAID CALL BACK ON XX/XX/XXXX AND WILL GET ASSISTANCE THE SAME ON LOANXXXX .CALLED TODAY WITH XX/XX/XXXX @ LENDING CLUB GOT NO SATISFACTION / NO ASSISTANCE/ REQUESTED ESCALATE I HAVE TAKEN XXXX PAY CUT AND TAKEN IN 2 DEPENDENTS WITHOUT BENEFIT OF SUPPORT /CALLED AGAIN REP OFFERES PLACE IN A MODIFICATION WITH NEARLY SAME PAYMENT!!! I HAVE TAKEN A XXXX  YEAR PAY CUT DUE TO COVID AND TAKEN BACK 2 DEPENDENTS DUE TO COVISD WITHOUT BENEFIT OF SUPPORT DUE TO COVID, NO ONE WILL GET PAID IF THIS IS THE WAY THEY PLAYING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: AMERICAN EXPRESS COMPANY
State: FM
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have several accounts in closed status which I did not closed. XXXX is XXXX XXXX, an account open in which was open on XXXX XXXX, 2007 and after calling XXXX, XXXX branch at phone number XXXX, she states that they have no record of who closed the account and can not help me in any way. My credit report is showing these accounts in closed status in which I never closed. 
I am a victim of identity theft and these accounts are effecting my credit score. They do n't want to write a letter taking this account of my record, nor opening my account again. I had great standing with them and never owned them any funds. This needs to be corrected, open, or cleared. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a copy of XXXX credit report recently and it shows that MIDLAND CREDIT MANAGEMENT INC has pulled my report on XXXX/XXXX/2015 without my permission. I had no business relationship with them nor they are my creditor. I believe they have violated my privacy and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I took out a mortgage with XXXX Mortgage XXXX, XXXX. They advertised the lowest interest rate and lowest monthly payments at the time, that was the reason I decided to take out the mortgage loan. However, the monthly payments ended up being to high that I was not able to afford them, which is the reason I defaulted on my loan in XXXX of that same year. Then in XXXX of XXXX, I received a Summons and Complaint that Wells Fargo started to foreclosed on my home. I tried making arrangements such as doing loan modifications with the bank but I have been denied several times. Lastly, I was selling my house as a short sale because it would help me not to accrue debt but the bank decided to place my home on an auction sale.

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 2015-09-11
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i have an account that is fraudulent and needs to be removed immediately this account has been reporting continuosly when it is a resulf of identity theft and I have faxed the information to the company about the nature of my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently saw an article on CFPB took action against Navy Federal Credit Union, you article states occurred XXXX to XXXX, I have been banking with NFCU since XXXX, until XXXX when they froze my primary account, when I went to NFCU to inquire, they told me there was a collection agency my spouse was delinquent with ( my Spouse was not on my NFCU account ) the collection agency was collecting on a ( XXXX XXXX XXXX that had been paid off ) I was told by NFCU that they could not unfreeze my account unless ordered by a judge, I hired a Litigation Lawyer and went to court, was awarded a favorable decision and the judge told them to release my funds, my Military Pay was electronic transferred to this account, I had to find another bank and change my direct deposit, I maintained an account with them {$30.00} since then, whenever I tried to bank with NFCU to include 3 months ago, I am told since XXXX that I can make deposit only, no other transaction. I want to continue banking with NFCU, if this is resolved. I can not make deposit to accounts I can not use. XXXX XXXX thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Mar Joe Enterprises
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I saw a new doctor at XXXX XXXX and XXXX XXXX in XX/XX/XXXX and filled out a new patient form including the address where I've lived for 15+ years. XXXX XXXX XXXXXX/XX/XXXX, XXXX, repeatedly sent the bill and all the past due notices to an address I lived at 17 years ago.Then when I never got the bill because they sent it to wrong address, they turned me over to collections and ruined my FICO score, dropping it from the XXXX into XXXX. They also ruined my future plans to move and buy a new house and car since my credit is now wrecked. 

I made their office aware of this mistake on XX/XX/XXXX and have heard nothing back from them. I spoke to XXXX XXXX, billing manager. I dropped off a packet with a cover letter with copies of the billings that were sent to the wrong address, saying I expected them to correct their error but no one has responded. I have hired an online law firm that specializes in credit problems.

Company response to consumer: Closed with explanation