BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-28
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This debt agency keep calling my telephone number XXXX day and night harassing me and trying to threating me about this debt. They went to far by calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
SirThis is my XXXX complaint. 
XXXX is for my Lost Cashiers check, that Wells fargo refuses to provide documentation on, put the monies XXXX in a interest bearing Escrow account. 
[ Case number : XXXX ] This complaint is to inform you that since the XXXX problem, Wells fargo has bullied me and enguaged in Illegal activities related to my Business and Personal debit cards. 
Just about every day for the last 30 days, they have used there Fraud dept to shut off my personal debit card, and force me to use my Business debt card. 
I keep min funds in the Business account, so each and every time I use it I get chargeda over draft fee. 
Wells Fargo refuses to remove these fees, as I have informed them of the Federal complaint to the FDC, and pending legal actions. 
I have spent over 20 hours on the Phone with the Fraud Dept. updating my info, my location, my travel routes, etc. and been insured this nonsense will cease, only to have it happen again, again, and again. 
The XXXX LAW prohibits Corupt Organizations from Extortion and ilegal means of making money. 
This is clearly a ilegal activity, in regards to XXXX Complaints. 
XXXX Complaint - Wells Fargo is profiting from the interest on my XXXX they are holdingXXXX complaint - Wells Fargo is profiting from the over draft fees they get by continually shutting down my access to my own monies. 
I also believe as a Consumer, I am protected by law from harrasement, bullying, and unfairbank pratices. 
Please give these complaints your greatest attention. 
Americans are tired of Crooked bankers. 
kind regards, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
MY LOCAL LOWES STORE SUBMITTED MY CHECK FOR {$10.00} TO US BANK AFTER I HAD RETURNED MERCHANDISE TO THE STORE. THE STORE REFUNDED THE {$10.00} TO ME FOR THE ERROR. I CONTACED US BANK AND ADVISED OF THE ERROR. US BANK STATED THEY COULD DO NOTHING ABOUT IT BECAUSE THE TRANSCATION WAS A CHECK. XXXX RECEIVED PAYMENT FOR THE CHECK FROM MY US BANK ACCOUNT. A COUPLE WEEKS LATER AN UNKNOWN CHECK FOR {$25.00} THAT I DID NOT WRITE AND XXXX DID NOT PRESENT WAS LEVIED AGAINST MY BANK ACCOUNT. I CONTTACTED US BANK UPON SEEING THE CHARGE PRIOR TO THE CHARGE BEING DEBITED AGAINST MY ACCOUNT. I INFORMED US BANK THE ITEM FOR {$25.00} WAS UNKNOWN TO ME, WAS NOT A CHECK I WROTE, PRESENTED NOR AUTHORIZED FOR PAYMENT TO ANY PERSON OR COMPANY. I REQUESTED US BANK IMMEDIATELY INITIATE STOP PAYMENT AND A FRAUD INVESTIGATION. US BANK REFUSED TO DO SO, PAID THE ITEM AND CHARGED MY ACCOUNT $ XXXX- 4 TIMES IN OVERDRAFT FEES. LOWES DID NOT PRESENT THE {$25.00} CHECK TO US BANK FOR PAYMENT. TO DATE AS I ADVISED US BANK NO PERSON OR COMPANY HAS EVER CONTACTED ME REGARDING AN NSF CHECK. ADDITIONALLY I HAVE COPY OF THE ORIGINAL {$10.00} CHECK AND IT HAS NEITHER A STAMP NOR INDICATION UPON IT AS RETURNED NSF TO XXXX. US BANK IS AND WAS AWARE OF XXXX ERROR IN DEPOSITING THE CHECK. AS WEL US BANK EMAILED ME A STATEMENT DOCUMENTING IF LOWES REFUNDED THE {$10.00} TO ME ALL OVERDRAFT FEES LEVIED WOULD BE RETURNED TO MY ACCOUNT. YET TO DATE US BANK HAS REFUSED TO RETURN ANY OF THE OVERDRAFT FEES BACK INTO MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
From XX/XX/2017-XX/XX/2017, TD bank was receiving charges from XXXX of {$32.00}. The charges were attempted and denied a total 4 times by the company. each attempt was charged a {$35.00} overdraft fee. At time of writing, there are others pending as well. 

This was billing error that has since been resolved. TD Bank has full discretion when accepting or denying payments. I do not believe TD adhered to the high ethical standards that it sets for itself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a refinance of my federal student loans with Citizens Bank. As part of this process, I provided statements from the respective current loan holders. After review, I was told that I was declined due to " the borrower has not yet made the minimum number of required payments ''. The letter did not specify anything further. My wife, who was a cosigner for this application, called Citizens Bank. Initially they refused to speak with her, despite having cosigned, stating that she was not authorized. Eventually they proceeded with the call, but the representative claimed I was declined for the refinance due to being on Income Based Repayment, and specifically because this is in regards to federal student loans. This agent also claimed that it would n't be enough to pay extra, but that I would have to have IBR removed from the account and make standard repayment installments for XXXX consecutive months. When asked, the representative claimed this was some part of " fair lending '' regulations, but did not provide specifics. They also claimed this contingency is part of the disclaimers or FAQs on their website. When I searched for this item, the most detail provided is " You must have made at least XXXX XXXX XXXX XXXX full on-time payments on all the loans you wish to refinance and may need to provide proof of graduation. '' There is no indication or mention of IBR being an issue, and " full, on-time payments '' does not indicate it must be under standard repayment terms. Further, it is my understanding that IBR requires a customer to be current to be able to qualify for IBR, but regardless, Citizens did not cite any issues with my Credit Bureau Report affecting the decision. Additionally, my wife, who applied for her own refinance with Citizens just weeks prior, is also on IBR arrangements, but was approved for a refinance. When asked, the representative at Citizens told her that she was approved in part because her loans are private student loans. Finally, there is no evidence that my application was declined for any income or debt based reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call over an over everyday call from different numbers, they state it's a debt owed but it was paid to the original debtors harrass non stop an call before XXXX XXXX an after 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 2015-08-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Had my auto loan refinanced, the refinance company paid off the loan, and the original creditor reported my account has 30 days late to XXXX major reporting agencies, which my my XXXX score drop by XXXX points, after the loan was paid the original creditor called and said I owe {$76.00} to close the account I paid the amount and considered it closed, but the still reported it as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear CFPB, I had a checking account with TD bank, which seems like was overdrawn by error. I had linked my TD Bank to my XXXX credit card. By error it seems like the software submitted multiple ACH requests. 

I learned from TD bank that I was negative ~ {$200.00}, however, in less than 4-5 weeks, TD bank charged me more than {$250.00} in fees. They sent this amount to collection and closed my account. 

I am XXXX years old. I had only XXXX checking account. I am kindly requesting TD bank to please reopen my account and please remove the fees. I want to pay the overdrawn amount ASAP. Please ask the collection agency to not send this to credit agencies, otherwise it will damage my credit history. My credit score was close to XXXX, which now might have been damaged significantly. 

I will greatly any help from TD Bank. I was traveling XXXX XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX has already removed all Fees associated with these ACH debits. 

I apologize to TD Bank. 

I will greatly appreciate if you can help here. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I went into TD Bank on XX/XX/2017 to make a deposit. I handed the teller my check with XXXX endorsements from myself and my husband, the check is my income tax from last year taxes. The teller told me the funds would be available on XXXX, they was not. I was told by several supervisors that the funds would be available on XXXX. I was told after coming to the bank that the fraud department is looking into the situation. I have deposited several items that have my husband and my name on it as well as others. Why do I have to be treated like a criminal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am in the market to purchase a new home. It has come to my attention that nearly all the lender owned properties require the buyers to get a Title XXXX Certificate and a Certificate of Compliance from the local Fire Department. This becomes another expense for me before the closing. It was my understanding that the seller was required to get these things. Is their a law that requires the seller to do these tasks?

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 2015-08-18
Company: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Ex-husbands Health Insurance paid the portion allowed as per the CPT codes for payment. Thery are billing me for their price. There is no need for extra payment if they were paid by the health insurance!! I had my Attorney send a letter in XXXX of 2014 with no response as well. I will refuse to pay these teo bills!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
these company is trying to collect a debt that is 12 years old. It was a lease return in XXXX to XXXX XXXX. They sent me a bill I refused to pay. XXXX charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XXXX XXXX and XXXX was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XXXX XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really XXXX should concern them self with the destruction on innocent people on the XXXX airbag issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage loan with Ditech Financial. On XXXX Ditech reported paying the county tax collector {$13000.00} even though my yearly tax payment is {$6400.00}. This left my escrow account negative for over a year. I called the county to have the incorrect payment refunded to my escrow account at which time they informed me that Ditech never actually made the payment. I spoke to the Ditech tax department about this and requested a proof of payment. They informed me they will investigate the matter and have yet to provide any proof of payment or investigation results. It has been over 6 months. Ditech has essentially taken {$13000.00} from me in a fraudulent tax payment scheme. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I XXXX XXXX am having numerous problems with the staff and the management, at the local Wells Fargo bank in XXXX Va. I have had no income last year and this year I only worked for 3 months, I was very sick for 7 months last year and did not receive unemployment benefits even though I am legally entitled for. This year after my income trickled to a stop, I stopped by the branch numerous times to get them to close my account and they would either say they would close it or pretend to be busy or tell me I had pending transactions so they could n't close it. For example I have had penalties for a mortgage withdrawal from XXXX XXXX, even after they had sold my mortgage Since then they have been slapping me with penalties and have never closed either of my XXXX accounts even when there was a XXXX balance and they had promised to close it after I left ; and I have had to struggle with money. Please help me resolve this issue by having them remove my past penalties and close my accounts. If you contact me then I can provide you the records. But you must seize the data without letting them close the access to the data before an action is taken. I demand monetary compensation for all the aggravation, humiliation, insults and mental torture they caused me. At one time one of the staff managers refused to notarized my paperwork because he said my address was different on my drivers licence. Please help resolve this justly Thank you XXXX XXXX XXXX XXXX XXXX XXXX va 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 2016-07-29
Company: FastBucks
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I DID NOT APPLY FOR A LOAN WITH PAYDAY LOANS. 
I received several calls from XXXX XXXX XXXX about a claim. Spoke to XXXX representatives who stated that i was in default and breached contract with Payday Loans in the amount of {$430.00}. Was given XXXX options to settle - XXXX XXXX XXXX one time payment in full of {$430.00} or installment payments on {$530.00} to be received in their office within XXXX5 days. They referenced a previous employer, and a financial institution with which I had no accounts. 

I told the XXXX representative that I refused to pay because I did not originate the loan - they asked and I confirmed the last XXXX of my SSN with the representatives and gave them my current mailing address and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I hired all state vanlines to move me from XXXX to XXXX in an XXXX wheeler. Gvae them {$1400.00} down. when they showed up on XXXX they were in a rental penske truck ( like a XXXX uhaul ) with another families belongins on it already. I went directly to wells fargo bank across they street and put a stop payment. called all state and they said too bad. I had to leave XXXX of my belongings behind. then i proceeded several times to mail, fax all the documents to wells frago. as of XXXX they are reversing the charges. this is in the handle of XXXX and the attorney generals for consumer fraud. Wells fargo had all the info to make the correct decision and they did not do it. they screwed me too. i am on XXXX and will never be able to replace XXXX out of XXXX pieces of destroyed furniture and they money that wells fargo is reversing will never be able to be repaid.all becuase wells fargo ca n't do their jobs properly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Today XXXX XXXX, 2016, I tried to make my primary home monthly mortgage payment to Wells Fargo Home Mortgage and they would not accept it. I presently an behind by 3 mortgage payments. By them not accepting today 's mortgage payment I will be 4 months payment behind.

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 2016-03-31
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Office Depot Credit Plan has closed my account after " review '' of my credit report from XXXX. Complaint made on them separately. Account was not late, had a XXXX balance and paid as agreed since I have had the account.

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 2015-10-10
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am in receipt of a collection notice from an entity identified only as " ERC '', claiming that I owe USD {$1200.00} to XXXX XXXX XXXX. The notice indicates that, if I return unspecified " equipment '' to XXXX, the return XXXX be used to calculate an unspecified amount of credit toward the debt owed. 

I have never in my adult life -- or even in childhood -- lived in any area served by XXXX XXXX XXXX. I have neither requested nor received any goods or services ( including unspecified " equipment '' ) from XXXX. I have never been nor applied to be a customer of XXXX and I have never used, received, owned, leased, or otherwise knowingly or unknowingly made use of any XXXX services ; including, but not limited to any form of television, Internet or voice service. 

The entity identified as " ERC '' most probably corresponds to this credit enquiry ( information provided by XXXX ) : ENHANCED RECOVERYXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX On:XXXXThe notice has a return address of XXXX XXXX, XXXX, XXXX XXXX, but advises that written communication should be sent only to ERC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 

Being in receipt of my credit report, both XXXX and ERC are or should be fully aware that I have never lived in any area where I could have received any services that XXXX is commonly known to provide. 

I can only conclude that, barring gross negligence, XXXX and/or ERC are knowingly engaging in fraudulent debt collection practices. The notice also states that they may knowingly make false statements to national or other credit bureaus representing that I owe a debt to them ; presumably if I do not promptly pay ERC the sum claimed to be owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief