BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I paid for a cashier 's check from Wells Fargo in order to pay for my XX/XX/XXXX rent. A week after I mailed it off, my landlord contacted me and informed me that he had not received it. Thinking that it had simply been lost in the mail, I visited several Wells Fargo locations to stop the payment and reprint the cashier 's check. After these several attempts failed due to Wells Fargo refusal to stop payment and reprint the check without notarization, the last Wells Fargo bank I visited informed me that the check had already been cashed. Upon further investigation, the representative gave me a printed copy of the cashier check when it was processed, and the check was clearly tampered with. Someone else 's name was scribbled over my landlord 's, but the Wells Fargo location cleared it anyway despite the obvious evidence to it being tampered. Upon complaining, they refused to help : claiming that there was nothing they could do to even consider reimbursement for an indefinite amount of time and shallowly offered me a " loan '' to pay my rent. Now I still have this month 's rent to pay, my landlord is compounding late fees every day he does n't have it, and my children are going to find themselves without XXXX this year unless this thing is settled and Wells Fargo is held accountable for their mistake.

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 2016-12-16
Company: Credit Collections U.S.A., L.L.C.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. I noticed this alleged account showing in collections on my credit report. I have NEVER received so much as a phone call from this company, nor have I received a letter in the mail from this company stating that a debt is owed. I have disputed this twice on my credit report this year, once in XXXX and once in XXXX and both times the credit bureau responded stating that they verified with the collection agency that the debt was valid, however they will not tell me HOW this debt is valid. Even after this alleged verification, I still have yet to receive a phone call or a letter in the mail regarding this debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to school back in XX/XX/2001, supposedly had taken out a loan for an amount that is unknown. Needless to say, now that loan amount is over {$150000.00}. I have tried since graduating to get setup on a feasible payment plan that I could afford and not once have been successful. I 've been summoned to court appearances on XXXX different occasions in regards to this obscene loan amount, which I had to hire a lawyer each time. The outcome all three occasions were in my favor, as to the judge not authorizing the " act of garnishment ''. I do n't remember all the technical terms but I know we were fighting for litigation laws, and the falsification of the loan amount and interest accrued. This has been haunting me for well over 15 years now, I never understood how/why they are still able to continuously report this on my credit and it 's been over-ruled by a judge. They constantly still harass me with phone calls and obscene requests of payment terms. Over the 15 years sometimes I 've been fortunate enough to catch a break from some nice employee that will place the loans in an outstanding forebearance term but once that 's over it goes right back to the ridiculous interest fees. I attended XXXX I used to ask them how much can I pay as far as payments and would also end up with this insane amount and then they would say, " that 's the lowest you can pay ''. So how am I supposed to live?! The amount they were asking for you 'd think I had a house note, car payment and my mothers monthly expenses all in XXXX. So basically unaffordable!! Please someone if you could take a look at my account and be a witness to this entirety that I 'm dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I registered my phone number in 2010 and have been receiving calls from debt collectors ever since regarding debts owed by someone named XXXX. I have asked repeatedly for them to stop calling me, but they have not. I have asked who is calling or for more information, but they refuse to disclose. The most recent number to call me was XXXX, which I have traced to a debt collection agency called CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: DISCOVER BANK
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX and I am an XXXX patient. Back inXX/XX/XXXX  my discover credit card ( new card number ending XXXX ) was lost/stolen. There were so many fraud transactions on my card from XX/XX/XXXX thru XX/XX/XXXX. I called and reported that. As I said I am an XXXX patient so sometime I dont even remember keeping up with my card. I was told I wont be responsible for any charges. But they put back all the charges on me again last month. ( Total around {$3300.00} ). They said they asked me for proof they called me but I dont remember receiving anything from them. I dont even drive, No one else in my family has access to my card. I work only part time and not able to pay as this isnt fair for me to pay something which I didnt purchase. You can contact my XXXX doctor and confirm with him. 

XXXX XXXX XXXX in XXXX XXXX TX XXXX I hope to get this issue resolve as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MO
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, Experian has violated my rights by reporting the following accounts in violation of Federal law. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX Inquiry-XXXX 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 : 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 2015-04-23
Company: SUNTRUST BANKS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Benuck & Rainey, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by Benuck and Rainey who purchased a debt that I owed to XXXX. When I answered the call, it came from an unknown number and the caller said they have been trying to reach me about a debt I owe. I asked who he was with and he told me Benuck and Rainey. He then proceeded to tell me that they are a collections company that also handle litigation. I asked again, who are you and who are you with. He said, we are handling a debt and we are essentially a law firm who also handles collections. After looking them up, I found they are not in fact a law firm and he REFUSED to send me something in writing. He said they acquired my debt earlier this month and have already sent me a letter ... which I said I did n't receive. He refused again to send another letter and asked if I was ready to pay over {$7000.00}! I believe the initial loan I took out was around {$3000.00}, I had paid about {$3000.00} of the debt but because of the HIGH interest rate and late fees they claim have been added up, I owe another {$7000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Fraudulent inquiries and inaccurate account information

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 2016-06-29
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently owe a military debt to XXXX. I have already paid XXXX of that debt. I am currently having surgeries. I ca n't not pay at this moment. They call at least 5 times a day. I have decided to stop calling them back and cease all communication at this time as it is hurting my ability to work as well. They want an update at least once every few days on my situation. They are not my attorney or doctor and I do not need to tell them anything. When I would pick up their calls they would never identify themselves until after the notification of the debt. This is not only deceptive but illegal under law. They have also used different types of numbers. Just today alone I was called 6 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Finally, after several years of hard work we are finally able to refinance several of our loans. XXXX was a condo, XXXX was a XXXX Plex and now the third is a rental property. There is a first mortgage owned by XXXX XXXX {$45000.00} in which I want to add {$22000.00} to make it a {$72000.00} loan. The HELOC owned by Bank of America at {$97000.00} is the problem because they will not allow subordination. The reason is I just spent {$22000.00} ( I have receipts ) on new siding, new roof, new gutters, new deck as it was original from XX/XX/XXXX and XX/XX/XXXX. In other words, it was a needed repair and it also helped increase the value when I received my appraisal. The lender I used saw no problem with getting my savings returned as she has been in the business for 15 years and has not been turned down. I even called several banks and Bank of America verifying this and they said I would be able to qualify for a loan. There are several reasons Bank of America should approve our loan : This loan was purchased as a rental and the HELOC was secured as a rental. It has been owned for 10 plus years. It has a low loan to value ( Equity {$100000.00} ) Never in 30 years have we been late on a mortgage payment. {$22000.00} was spent on property which helped increase the value and it 's located in XXXX. We have been a solid Bank of America customer for 30 years. Good credit score XXXX. No credit card debt or car payments. Recently refinanced a condo and XXXX plex. I 've been approved for this property to refinance and we are in a time sensitive lock and Bank of America has given us every excuse ; verbally told to me, 'its a rental ' 'and 'they do not do subordinations on rental properties '. I find this hard to believe. The fact that they have a Subordination Department means that they can do this and we have plenty of equity for Bank of America to approve our subordination. Not only that, we have been their customer for years.

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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a delinquent property tax Notice XX/XX/2020 from the XXXX XXXX XXXX XXXX XXXX Treasury Division. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. For my property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Parcel ID XXXX in the amount of {$970.00}. I immediately submitted to SLS Tax Department XXXX. XXXX XXXX XXXX, New York XXXX office # Fax XXXX. Via Certified mail and I uploaded to their Tax Doc site they acknowledged receipt of everything. I have been working on this Since XX/XX/XXXX and mailed the Delinquent tax notice. By XX/XX/2020. I started calling and faxing everyday and called every single day and spoke with anyone that would listen and asked to speak with a Supervisor in the Tax department XXXX and I spoke with a XXXX and a XXXX and I spoke with Customer care agents XXXX and XXXX I submitted a NOTICE OF ERROR WITH MY WRITTEN REQUEST PURSUANT TO RESPA ( 12 U.S.C SECTION 2605 ) mailed it also certified mail to them and to the corporate office Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. I faxed to them at XXXX and I have called on a daily basis to both offices and the XXXX Treasury division. 

My taxes and insurance are paid out of my escrow account. I have approximately {$1600.00} sitting in my escrow account and they're failing to pay it. I am current on my payments and have no shortages concerning my escrow balance. The City of XXXX states it must be paid by XX/XX/2020. Or they will proceed with a Tax lien sale This needs to be paid and is causing my undue stress.This is very serious

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 2021-02-19
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The unverified Net Credit # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information as has never requested $ XXXX of loan. Net Credit has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the account claiming that was verified but provide no evidence of the verification and ignoring all the facts that the account should be reported closed. This account should not be reported in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt has been disputed ( through the credit bureaus ) due to amount in question is inflated. Plus verification of debt was never sent so collection of debt is illegal. Plus this debt is time barred under Fla Debt Collection Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Security Credit Services, LLC
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled an account on my credit report ( Security Credit Service ) in XX/XX/XXXX and XXXX is still showing open. After viewing this I disputed and it was not handle properly. The report came back as the account was mine, but this was not the dispute. I requested them to close it account was settled. It is still being reported as open. I contacted Security Credit Service and they informed me that they submitted that the account was closed and they did not put in a last report of XX/XX/XXXX pass due XXXX days, but it is on my report as such. XXXX continues to improperly report the credit information and refuses to recognize the settlement. The other CRA 's ( XXXX and XXXX ) has it listed as closed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: PNC Bank N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX my Ex husband passed away. In his Last will and Testament he named me as executor of his estate and in the time since I have been trying to handle his affairs. I was appointed personal representative of his estate by the probate court onXX/XX/XXXX and have been trying to close a checking account since that time. I have contacted PNC bank with numerous phone calls and on 4 separate occasions via mail sending various documents that were requested. I still have not been able to close the account and transfer the funds to the estate account. PNC bank was provided with death certificate on XX/XX/XXXX and XX/XX/XXXX. PNC was provided with the death certificate and personal representative paperwork on XX/XX/XXXX and XX/XX/XXXX. To date I still have no resolution to this issue and when contacting PNC customer service I am told that they have no record of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I wrote a check in the amount of {$100.00} and PNC is saying that I did not have the amount in my account to cover it. However, the check should have posted on XX/XX/2017. PNC purposely over drafted my account and refuses to put the funds back. My account is never negative and I have been negative in the past. It is my understanding that as long as funds are added by XXXX I will be ok. Please do not trust PNC bank. They will take your hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Navient has been calling me 10 times a day from multiple phone numbers. I am also current with my student loans with them, they are harassing me for my scheduled payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2017 around XXXX my business partner and I went into your Chase Bank location at XXXX TX XXXX. Upon speaking to a teller named XXXX we were informed that a {$3500.00} check from our client could not be cashed because " it was over a {$2500.00} limit the customer had placed on a non-Chase account holder cashing. '' We then spoke to the Branch Manager, XXXX. She told us that even if we had the customer write XXXX separate checks she would not allow them to both be cashed. She also refused to cash a check for us if our client wrote XXXX checks in XXXX different names. As we left the bank, she told us she would inform all her tellers to refuse us service. 
I personally hold a Chase Bank account and am extremely offended by the treatment we received. I routinely cash checks at other Chase locations and have never have issues. We whole heartily feel this branch racially profiled us for being XXXX male consumers in a predominantly XXXX run bank. We also noticed a XXXX women 's check was also refused while we were there. This is unacceptable, especially from a company such as Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sold my house, and paid the loan balance in full with the proceeds from the sale, yet Regions Mortgage inaccurately reports the payment in full as closed by either party.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Inquiries where furnished on my consumer reports I did not initiate nor did I give written consent to report on my consumer reports which shows fraudulent activity.

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