BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was stolen on XX/XX/2017 On that same date, a total of five unauthorized ATM transactions plus the fees in the total amount of {$1000.00} were taken from my account. I reported the stolen card to M & T Bank the next day and reported these fraudulent transactions. 

After giving me a " provisional credit '' in the amount of {$1000.00} to my account, the M & T bank abruptly denied my claim on XX/XX/2017 and re-took the sum of {$1000.00} from my 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 2017-04-02
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
All Medical bills are the responsibly of XXXX do to a court order Protection From Abuse Order. He is responsible for all Medical bills past or present and any Damages to my credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Genuine Debt Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received a message from my sister and my ex husband all within 5 minutes of each other this morning stating they received a voicemail asking about my whereabouts and to have me contact the referenced number. Voicemail stated I should not drive, leave my house and if I do I will be pulled over as they are suspending my drivers liscense ( threats ). Basically, insinuating I 'll be arrested. Caller did n't state who they were said I 'm being investigated for " Hot Checks ''. I have n't written a check in many years. They never called me just phishing for info from family and former family members-anyone who I have contact with.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refinanced with AmeriSave in XX/XX/XXXX. I went to closing XX/XX/XXXX. My interest rate was locked in at XXXX. Just before closing they changed my interest rate to XXXX without telling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06
Company: Credit Collections U.S.A., L.L.C.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
The dental office gave me a quote before doing work for my son 's teeth - he was XXXX yrs. old. The quote was {$160.00} my out of pocket expense which I still have the quote. But then I got billed for {$760.00}. The work done is only filling for XXXX teeth. The explanation was insurance only cover XXXX filling not the XXXX they used. i dont ask what XXXX they used, i just assume they used what is allowed. i sent a payment of {$200.00} but they refused to take and further advise me to deal with the collection agency. They sent me to collection when the bill was only XXXX days overdue of which I was trying to depute. This is a fraud. I got misled. I sent the dentist a nice letter and also requested if i can discuss in person. Both I was not granted. I did ask for a discount, I was told by his billing that they can not even give me a {$10.00} discount.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-26
Company: Auto Buyers Credit LLC
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX XXXX in XXXX, MI in XX/XX/XXXX. The finance company ABC Auto Finance was the company my car loan was through. At the time of purchase the sales representative informed me that I had to purchase the company 's Gap Insurance, so that the car would be covered if anything should happen. My car note was around {$600.00} per month. After calling ABC Auto for several months requesting that the car loan be added to my credit report they finally reported but only reported payments of {$480.00}. XXXX XXXX the car caught fire and was totaled the representative told me I had to pay a {$500.00} deductible ( which I did ) and the loan would be forgiven, I could purchase a new car. During my search for a new car the representative ( XXXX I think ) informed me that I could go to any dealership to purchase a vehicle. ABC NEVER stated that if I did not return to the same dealership or a dealership that ABC is affiliated with I would have to pay the balance of the car. I obtained a new car from a different dealership and just happened to check my credit report in XX/XX/XXXX and saw a loan amount for {$9100.00}. I called ABC they stated I had to pay the balance because the box was not checked on my loan agreement that I was pay for GAP insurance. That was false not only did XXXX XXXX XXXX and ABC auto say that I had to pay Gap Insurance from their company in order to obtain the truck I have my bank statement where I payed the {$500.00} deductible and the bank statement from where I paid around {$600.00} for my car note, while they were only reporting {$480.00}. The ABC auto rep. told me I could go to any dealership and my loan was forgiven. I even tried to work out an agreement with ABC auto just to have this loan removed from my credit report as quickly as possible the amount they were willing to work with was outrageous, when I do n't owe ABC at ALL. Please inform me what to do in order to dispute this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) XXXX county taxes paid {$2700.00} CORRECT 2 ) XXXX county taxes paid {$2300.00} CORRECT 3 ) XXXX county taxes paid {$2300.00} INCORRECT 4 ) XXXX Escrow advance {$1500.00} INCORRECT WHY????? 5 ) XXXX Tax Refund {$2700.00} WHY FOR WHAT????? 
6 ) XXXX Repay of Escrow Advance {$1500.00}??????????? 
7 ) XXXX Tax Refund {$2300.00} First of all it is wrong and why are you calling it a Tax Refund??????? 
8 ) XXXX Repay of Escrow Advance {$00.00} what are you repaying 9 ) XXXX Mortgage Payment 10 ) XXXX County Taxes Paid {$2700.00} WHY?????????????? 

On XXXX why would you pay county taxes if all of my taxes were paid on XXXX of XXXX????? 
This is a made up statement. You are putting numbers in so my account looks paid it is NOT. Taxes still have not bee paid and I am still delinquent with XXXX County taxes ( see below ). The first payment should have been made XXXX. I want to know are you making up fake statements???? 
I have late payments of {$240.00} so far that have incurred who is going to pay that????? 

I have called your customer service 20 times, I get put on hold for an hour and then they are so rude they hang up on you or say wrong department I cant help. I finally get thru to XXXX in the escrow department ( she said she was a supervisor ) phone # XXXX and she said she would help she wont pick up my calls anymore. 

My mortgage was sold to you in XX/XX/XXXX I did not pursue you I am so disgusted with this bank I have no words. I can not believe that you are still in business. 

XXXX the only reason that I got as far as you is because I contacted the XXXX XXXX XXXX. Well no that you can not seem to get any information out of your own company ( I have provided it ). I will make sure that the XXXX XXXX XXXX has all of this information, my lawyer because I am so distressed ( I am a widow of a XXXX ) AND I AM A SENIOR CITIZEN. How dare you treat people like this. 

XXXX XXXX XXXX Above is the letter I sent to Citizens One I re-financed my mortgage in XX/XX/XXXX and it was sold to Citizens one. They have not paid my property taxes and I received a delinquent notice from XXXX County treasurer. I have tried to get anyone to help me. I am beside myself. I called and sent a complaint to the XXXX XXXX XXXX  I have called the Bank 50 times my property taxes still are not paid and my escrow account is now overdrawn. HOW does that happen. I should have a positive escrow balance and no one at the bank seems to be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to call my phone number and did a skip trace and has consistently called XXXX of my family members. They state they are not a collection agency and are a legal aid firm for XXXX. They claim I owe them {$16000.00} and need to settle or they will sue me. I have asked for a validation of debt notice as I have never received any correspondence from them. They state I need to call XXXX and refuse to mail me any documents. They will not give me their address to mail a cease and desist letter. I am unable to stop the phone calls and they are harassing me and my family. They claim to be based in XXXX, NY. They have violated a countless amount of FDCPA related laws, but I am unable to continue the process without them giving me any information.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted XXXX in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for three procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.

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 2016-08-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am a long term customer of Wells Fargo. Always make payments on time. My XX/XX/XXXX payment was short by {$40.00} as my school tax bill had a significant increase, which got by me. I immediately went to the branch to deposit the funds along with my XX/XX/XXXX payment. They agreed ... because I am a good customer to waive the penalty fee, but not the " insufficient fund fee ''. I am set up for auto pay out of my checking account for the XXXX of every month. I was told by the branch the account was brought up to date and all is well. I started getting phone calls about XX/XX/XXXX and XX/XX/XXXX payments still outstanding after the XX/XX/XXXX. I asked why they did n't withdrawal it from my checking account. I spoke to about XXXX people assuring me they understood and would fix the problem, but when I would ask for a confirmation number, they would not give me XXXX. I finally spoke to someone in customer service and was told my auto pay was shut down. I asked why would you do that, because that makes it hard to get my payment. Because the XX/XX/XXXX payment was late they closed my auto pay down. I am structured for a XXXX of the month withdrawal, I received a letter dated XXXX XXXX, physically received it on XX/XX/XXXX I had no idea they would shut me down, and I made my deposits, in good faith, that the funds would be withdrawn. They are charging me penalty fees and will not remove them. I feel as though a disclosure letter before XX/XX/XXXX should have been issued so I would have a heads up? The branch does not work cohesively with the call centers. They tell me everything is fine, when in fact it was n't. The servicing end at Wells Fargo is horrendous. Their recovery department is demoralizing and patronizing. As I said I am a long term customer with good history, I faltered honestly and I feel as though they essentially prevented me from making my payment and bringing the account up to date. I am reporting this to the CFPB in hopes that they agree a timely disclosure was not issued by Wells Fargo, to the customer, ( me ) informing me my auto pay was no longer in place. I thank you in advance for any courtesies you could extend to me regarding this matter. Basically, it was like a " runaway train '' I could n't catch up to, no matter how hard I tried. And believe me, I tried. Thanks again.

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 2017-04-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the reporting of accuracy for account XXXX over 5 times with Experian. I have recorded phone conversations with the assigned rep over the phone telling me that he would remove the past due notation from my report after he verified that he received the fax that I sent to Experian on two separate occasions. The XXXX account was charged off back around XX/XX/XXXX or XX/XX/2014. There are several different areas of concerns with Experian : When you challenge them they place your file into segregation and assign your account to their consumer affairs rep. Which this rep will investigate one time and basically use previous investigations to determine that the validity of the account doesnt need to be re-investigated. This account has several violations that violates the FCRA and the FDCPA.

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 2021-02-04
Company: CURO Intermediate Holdings
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent this company 2 letters asking to validate a debt they send me something not matching my signature. They can clearly see that based on my license. Yet they are trying to verify this debt with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a substantial amount of student debt, upwards of XXXX in Federal loans and another XXXX in Private student loans through wells fargo. I called Wells fargo and explained my situation and the fact I only make XXXX a year.. so essentialy the amount they are asking for me to pay monthly would cause a hardship for me and not allow me to save any money in case of an emergency or move up in life IE. Buy a house, have a family. After Wells Fargo had me submit all of my paperwork for the hardhsip they recently contacted me that I was not approved for the hardship request and that I would have to continue to make the payments they demand. Wells fargo is soo unwilling to help students like myself who feel trapped by the burden of having such large payments due on a month to month basis. I essentially feel enslaved by this. Please help me lower my student payments at least to the levels of federal loans where the payment is more manageable. Also the high interest rates on Wells fargo loans are upwards of 10 percent which only causes a never ending cycle of debt for student like myself. It makes me wish I could return my degree given that I am not currently working in the field I studied. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I purchased a car with financing provided by Wells Fargo in 2014. I am insured with XXXX XXXX company and have been since I purchased the car. Early in my finance, I realized Wells Fargo was charging me for insurance. I called them to note the error in 2014, and was told the charges would be removed in short order. In reviewing my statement over the past few months, I 've noticed I 'm still being charged, close to {$6.00} per month for Wells Fargo insurance and interest. Again, I am already insured and upset that Wells Fargo is double-charging me. I called them again today and they told me they would start an investigation, but did n't promise to remove the charge. I am happy to provide my declarations page to prove that I have coverage, though Wells Fargo has not requested it. I feel I am being and have been scammed.

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 2021-02-04
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company has been harassing me and is threatening me trying to force me to pay for something that does not belong to me I am tired of them calling from blocked numbers and they even went as far as contacting my former employer, I say former because they have repeatedly called this man and told his I owe money I am a dead beat all types of negative false statements that are terrible. I do not owe this money. 

I contacted legal assistance and they told me based on North Carolina Laws they are over the Statute of limitations on collecting debt whether it is or isnt mine dont even matter they shouldnt even be contacting me for this because of that. 

So they are harassing me after I told them In writing not to bother me any further and I told them they are over the state statue to which they replied that state statues dont matter on this account which I thought was a total lie but at this point I am used to all this. Its the same guy that keeps calling me he calls me and uses different names and he swears he is not same person but I have received so many calls that I no how this person talks and I am going to Give all the evidence I have collected from these calls to My attorney and I will be filing a lawsuit and a protective order of protection if this does not stop immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Concord Resolution Inc (Closed)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continue to get call regarding a payday loan debt which I never took out. They continue to harass despite a request for a validation of debt. They also have started calling my family

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I got a home equity loan, that shows up as a revolving line of credit on XXXX of my credit reports.This is not a revolving line of credit. Any help with this matter would be greatly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: P&B Capital Group, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call from XXXX at XXXX stating I had to deposit {$1500.00} into her company account - P & B Capital, Acct # XXXX, XXXX XXXX Bank or she would file papers to take my home. She was very rude and abusive. She called me at XXXX, XXXX, XXXX. and on XXXX/XXXX/16 at XXXX. I had asked for their company name and website. That was when she became verbally abusive.

Company response to consumer: Untimely response
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX, I had an insurance claim. The check was sent to Wells Fargo. On the check was Wells Fargo and my name XXXX XXXX. From the beginning, they made it hard. Wanting to pay the contractors in XXXX installments made it difficult to find someone to agree. Finally, after 9 months they agreed that it could be done in XXXX installments. At that point, I had a XXXX and told them that I could not do it. XXXX XXXX agreed to tear the whole roof off and replace slate with tile. that needed to go through the Historical Society. Someone fixed the roof and I asked if I could be paid because I fixed the ceiling. I was told to submit the request, later to be told no because I was in bankruptcy. XXXX another storm hits and the insurance company told me that I needed to prove that the first claim was fixed. Therefore, I could not remember and went through the phone book. Later my insurance agent told me the reason why I did not know who fixed the ceiling was because Wells Fargo had it fixed. That they had requested a list of contractors stating that I was incompetent. My insurance agent said XXXX you would have had to sign the check. I told her that I had never seen a check. Therefore, I called Wells Fargo at least XXXX times always to be told that someone was going to do research and get back with me. XXXX person did I missed his call and called him back without any response. I have told Wells Fargo repeatedly that it is raining in my home ; XXXX ceilings have come down in the bedrooms. The wood floors are warped. The water has moved to spill the ceiling in the living room, dining room, and kitchen. I have not resided there because it rains like a tsunami in the house. XXXX of XXXX this week I finally after going to the corporate office of the insurance company received an email with a copy of the check that was deposited by Wells Fargo with my signature forged. They received the check XXXX XXXX, XXXX signed my name XXXX XXXX, XXXX and sent a check drawn on Wells Fargo to the Bankruptcy Court in the Trustees name who in turn paid them as creditors. The sad thing is that all this time they worded our conversations as if the insurance check was sent to the Trustees. Wells Fargo did not send the insurance check to the Trustees. This week I sent the copy of the check to the trustees and was informed that they had never seen the check and provided me with a copy of the one send to them. Now my house still 2 years later is unlivable. Also the insurance did give me a check to fix the carriage house but Wells Fargo place an insurance deductible of XXXX. When I ask the insurance agent was the XXXX deductible still available when the placed the insurance on the house she said absolutely. Wells Fargo tried to convince me that it was the insurance companies doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation