BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-14
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern. Not only did you not respond to my QWR in XXXX days you have not fixed your errors. As you know the CFPB has been notified and you finally sent me a letter saying you are researching. Not only did you not apply the XXXX payment correct. I had not received a bill from BSI or statement since XX/XX/XXXX. I paid off what was due and had still been fighting your incorrect again applying of funds there. XXXX is trying to make late as no bill and no online access. I received nothing for months and asking. Also your online statement shows nothing. I have emailed with zero response for a month. I copied CFPB on emails with supporting documents of my screen shots as well as attorney who is compiling all of the violations. I finally received XX/XX/XXXX bill on XXXX/XXXX/16 mailed by BSI on XX/XX/2016. Strange how that worked having to go to CFPB just to get XXXX to actually follow the rules. As a servicer as well the overall incompetence and overcharging has been caught. As with adjustable my payment in XX/XX/XXXX was XXXX which is the only time it can adjust yet all of a sudden now you are charging a different amount which is illegal and the changes were never put in to writing from you. It was just added as you felt necessary and I went through my entire loan with lawyer and we have actually found a great deal of violations which will entitle me to thousands now for the bullying and false charges throughout on this. I do not know why XXXX can not fix their wrongs correctly. It just so happens that my niece is now dating a man that used to work for XXXX and now is at another commercial loan company and he was pretty high up at XXXX as well as XXXX assets and a lot of information is coming out from this. It is quite interesting how this will be public with an investigation now by some lawyers and other people in southern California coming forward. Stop stealing money and apply the payments correctly. I should now be paid up through XX/XX/XXXX with all the charges that were wrong and still XXXX later can not be applied correctly. Also per the statement directly from XXXX in XX/XX/XXXX my XX/XX/XXXX payment had a partial of XXXX just sitting in the account and no one told me you were holding extra money. She said to pay XXXX so the entire XXXX would be applied but now XXXX just changes when they want. It does not work that way.

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 2022-04-15
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed on or around these dates to both Equafax, XXXX, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have 3 hard inquiries on Equafax, and XXXX as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 we requested to wire {$50000.00} from our JP Morgan Chase business account ( California ) to our personal account with XXXXXXXX XXXX in XXXX. Due to the inaccuracy of the exchange rate and fees, and with the advise of our personal Chase banker, we decided to recall the wire back within a 15 minute window. On XX/XX/2022 our private banker with XXXXXXXX XXXX  contacted us to confirm the return of the wire in the amount of XXXX XXXX, and advised us that there would be a fee of XXXX XXXX. We agreed to the fee and the funds were wired back to Chase in the same manner they were received. We found out later, that our original wire went to an intermediary JP Morgan XXXX bank in XXXX when the original wire was sent from our account in the US. XXXX sent it back to XXXX, which in turn should have sent it to the US. We have been trying for more than 40 days to track down this wire and have the funds returned. We have made direct contact with the JP Morgan XXXX bank in XXXX and they said they can only respond with the bank and to have our bank contact directly to obtain details. Today is XX/XX/2022 and we are still getting a complete run around and everytime we speak to someone they indicate that it is going to be 7-10 days to get an answer from an email that has been requested... .unacceptable to me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I rcvd an alert on my credit bureau. It showed Paramount Recovery System for XXXX not familiar at all. I called Paramount, spoke with XXXX. She said, it was a debt from XX/XX/XXXX with a local hospital. I told her, I needed something to verify this debt. She told me, it would be sent that day, to date. I have not received. This is something from 4 years ago.? I have never been contacted or sent any correspondence regarding EVER!! They haven't validated it, as requested. Contacted XXXX to dispute. It is still on my credit. I checked my XXXX today, the date this would be on my credit was changed to XXXX. Well pass the 7 years, from the original debt in question. How, would this be allowed on any credit report.? XXXX will not remove this account. How, they can validate a debt with these people, but I can't get a validation is ridiculous, XXXX, told me to file here, with consumerfinance. Paramount, seems to pull this all the time, according to the XXXX online complaint report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
PayPal charged me {$140.00} in fee for rejecting the money sent to me. Since PayPal does not have a " reject '' method, I had to use " refund in full '' to reject the money. Why did I need pay a fee for " rejecting '' the money? PayPal should provide a method to let the recipient reject the money before any fee is charged. Currently, there is no way the recipient can avoid the fee even if the recipient does not want the money. 

Date : XXXX, 2019, Amount : {$4900.00}. 
I called the company customer times but they did not grant my request to refund the fee ( {$140.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give written instructions? I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Santander Consumer USA Holdings Inc.
State: MN
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:
although i bagan this complaint about SANTANDER, s company who is harassing me, the root issue is that I am not allowed access to my credit files. XXXX, XXXX, XXXX  have been off limits to me for four years. nobody will believe me, nobody will help me. my credit score, meanwhile, has plunged from XXXX down to XXXX becaue i am not able to maintain accurate, honest records any longer. i want the credit file to reflect that score of XXXX at the very least, if not receive monetary compensation for the XXXX this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$470.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the company regarding this false information that they have placed on my credit report. 

Commonwealth Financial Systems Inc. 
XXXX XXXX XXXX XXXX, PA, XXXX Medical collection bill {$740.00} I do not owe this debt and I believe this was place in collection in error. 

Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was seeking a modification on my mortgage about four ( 4 ) years ago with this mortgage service company. However they set me up on a payment plan that I am not able to maintain. They said that they would do a modification about 2 years ago, but have been stringing me along ever since. I am eighty ( XXXX ) years of age with my only income from S/S of $ XXXX monthly. My house note is {$1100.00}. I had been maintaining the payments with the help of my daughter until she recently became unable to assist me. I want to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: VA
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 items listed must be removed from my credit report immediately. They do not belong to me!!! I have filed several complaints I will now file a lawsuit. I was incarcerated during the time these accounts were open the XXXX XXXX XXXX until XX/XX/XXXX. It is IMPOSSIBLE FOR THEM TO BELONG TO ME Account Bal : Opened : 1 ) XXXX/XXXX  {$0.00} XX/XX/XXXX 2 ) XXXX/XXXX  XXXX  {$0.00} XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX {$6.00} XX/XX/XXXX 4 ) XXXX   XXXX  {$770.00} XX/XX/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 2016-06-03
Company: DISCOVER BANK
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been receiving paper statements for my Discover personal loan, even though I had signed up for electronic statements when I received the loan. For over a year I had no issues, and received electronic statements and no paper statements in the mail, which is what I want. I contacted Discover right away after receiving the first mailed statement and I was assured that it was a system update error and it would not happen again. I have contacted them about this issue 4 months in a row. I have explained to them that I have had mail stolen from my mailbox and I 'm concerned about identity theft, but they will not stop the paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a scam on XX/XX/2023, as a result of which I made ( under fraud ) 3 transactions totaling {$1000.00}. I called Venmo immediately, even before the money was deducted. They refused to take any action immediately, pushing it off up to 2 weeks. As a result, instead of canceling the transactions and saving me from being a victim of a scam, they let it process and allowed for the deduction. They then wrongfully denied my claim, without any follow up questions or requesting proof. I managed to stop the payments from my bank, but venmo is now holding my account hostage until I pay the full amount ( they also took my venmo balance hostage ). All of this could have been avoided if they took action as soon as I reported it and stopped the money transfer, which is reported within minutes. 
Venmo basically allows scammers to commit fraud, and let 's their customers be taken advantage of. Instead of taking action, they state they will investigate within the next 2 weeks. They could have immediately frozen the scammers account and prevented any loss. They also denied my claim of fraud without a proper investigation. They now hold mt account in arrears and threaten to go to collections, because of their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I discovered I was a victim of identity theft and after doing a police report I was advised to reach out to any sites I may have online rather my bank or what not. So I did and I also was advised to dispute any unauthorized charges that I didn't make or benefit from a few places were easy to deal with except NetSpend I reached out Everytime I saw a charge, even going backwards to when we think the fraud begain. I told NetSpend about the I'd theft and advice I was given about reporting I sent evidence of the notice of I'd theft and yet they still denied my disputes and kept saying the checked and charges were valid and I told them just because a merchant says a transaction took place doesn't mean it was done by the actual account holder. Yes I erred in writing my pin real small on back of my card on the stript. Two years ago I was injured in a car accident and the XXXX  has caused slow recall, forgetfulness and so I have to write things down. I just want my money back but now they closed my account and only sent me my money I had in my account but nothing from the disputes I filed. I already felt violated by the i.d . theft but to add this in top just made my XXXX  and feeling of violation of privacy, invasion worse

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 2017-01-18
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. 
I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was recently married and added onto my husbands account at Navy Federal Credit Union. We do n't live anywhere near a branch but it was important to my husband that we use this account as our primary account as this Credit Union is for military families. I attempted to make a deposit of a check thru the mobile deposit feature on the mobile app but received the following message " You need to be a member for at least 30 days in order to use Mobile Deposit. We are currently experience issues with Mobile Deposit enrollment. For assistance, please call Navy Federal at XXXX. '' I called and the representative informed me that I needed to open my own membership account in order to have access to this service. I informed him that I did n't need to make deposits into another account, just this one. I requested a supervisor and spoke to XXXX a Contact Center Supervisor. I again was unsuccessful at gaining access to make deposits into my account. I explained I already check for local ATMs to deposit in, they do n't participate in shared branching, etc. They informed me that I either needed to have my husband make the mobile deposit or I needed to mail the check in. I have no credit issues, long time on my job, etc. The only issue is that Navy Federal is forcing joint owners to open membership savings with them if they have no other options to conveniently make deposits. I have my husband at home and can have him make the deposit for me. This institution is for military families and not all joint owners are going to have that same access to their spouse as I currently do. To make struggling military spouses open a separate account to be able to make deposits into a different account when there is n't a nearby branch is n't right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife attempted to purchase a vehicle and was denied by XXXX banks. The XXXX bank was a walk in visit. During the visit my wife was told that the reason I am getting denied is do to Wells Fargo reporting me as a paying only part ( partial payment ) of my mortgage. I have never paid a partial mortgage and coincidentally, Wells Fargo controls the drafting of my account for the payments. I then had to purchase the vehicle with a higher interest rate do to the lowered credit score.

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 2020-04-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureau placed an aged account on my credit report from XXXX XXXX without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was verified

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 2022-04-15
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed on or around these dates to both XXXX, Experian, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have XXXX hard inquiries on XXXX, and Experian as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.

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 2016-09-30
Company: Northland Group Inc
State: TX
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 receive a letter from Northland Group that I owe XXXX {$550.00}. I have never had an acct with this bank.

Company response to consumer: Closed with non-monetary relief