BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: AFNI INC.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contracted services from XXXX on approximately XXXX for Internet Services. In XXXX of XXXX I cancelled services with a credit balance - which to date I have not received. In XXXX of XXXX I received a collection letter from a collection agency stating that I was delinquent approximately {$100.00} owing to XXXX. After contacting XXXX they identified that a return shipping label and request for hardware return was never issued upon cancellation. The XXXX representative issued a XXXX return label. The modem and related cabling was returned at the XXXX XXXX XXXX, in XXXX Utah with the provided XXXX return label. This past week - XXXX/XXXX/XXXX I received a second notice from the collection agency stating an outstanding balance was still owed. I again contacted XXXX of the issue and they [ XXXX XXXX XXXX stated they are unable to identify the location of the shipped hardware and are unable to assist with a resolution. I have copied the full dialog for reference. Since XXXX has received the hardware or has proof that the hardware was received, I would appreciate them updating the derogatory collections reporting and issue my outstanding credit for over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My brand new car was totaled back in XXXX. I received a statement, after my insurance made a pay out and additional money was released to Ally financial because I had an extended warranty on the car. There was a remaining balance of XXXX and some dollars because I was not aware of the need for gap insurance at the time I purchased the car. The statement they sent said that the next payment that was due was for XXXX XXXX, 2018 in the amount of XXXX. The next thing that I received from them, was a letter threatening to take action against me and my co-signers credit because they claimed I owe them a {$360.00} payment that they said was then 2 days past due. I spoke with numerous people trying to get answers and resolve this issue and got disconnected from them several times when I asked to speak with supervisors. I was told to " disregard '' the statement I had received and that the letter threatening my credit is what I should pay in full. When I ask why that statement was sent if I was to just disregard it, no-one answers me, or I get spoke over and redirected to make the payment, and reminded of the threat to my credit for not making the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-27
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
This may sound like a repeat or a continuation of my pqast complaints, but in essence this is NOT THE SAME. 
The only part that is the same is that it is my loan with CitiMortgage, Inc. a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number Loan # XXXX. 
I tried to do a loan modification with Citi now five times over 3 years.

XXXX  has my 2nd mortgage and I managed to do it with them in 2 months. Citi has been a problem.

Unlike the past, when I complained about the details of their denials ( They admittedly denied me based on a mistaken classification of my loan - which they placed as 2nd mortgage instead 1st - which would have guaranteed my approval ), my complaint is that Citi-Mortgage should not  require me to reapply. 
They agreed that they made a mistake. 
They agreed that if not for their mistake - they'd have approved me, based on my correct numbers. 
They agreed that I submitted everything they needed multiple times. 
They agreed that they reviewed my multiple applications and deemed them complete. 
Once in XX/XX/XXXX, 2 times in XX/XX/XXXX and 1 time in XX/XX/XXXX and 1 time in XX/XX/XXXX.

So my claim is that similar to any judicial process, when a side makes a mistake, they reevaluate the submitted and complete filing/application and review it based on the new corrected facts.

Citi knows, by their own admission, that I will be approved based on ALL m

y 5 submissions, now they want me to apply again, or resubmit new 'missing ' items from the 6th application.

I reviewed other people 's complaints and it is common complain, when people feel ignored and mistreated, their filing misplaced, miss-classified or just required to start the process all over again - just to be denied again, by yet new claims.

I consider their behavior in bad faith and I demand the Consumer Financial Protection Bureau - representing my interests against a systematically sinister bad faith and bad reputation organization - to force Citi to do the simplest thing, which will take the least amount of time.

Please demand from Citi Moprtgage to review my previous completed submissions for Loan-Modification, considering my loan being labeled as it is - in first lien. 
I will then be approved immediately. 

This is not to take any money away from CitiMortgage, but to facilitate what they volunteered originally in agreement with the government - to help owners who can - to stay in their houses under new repayment terms. 
XXXX did it immediately and Citi can do same. I will then be able to pay my way and
we'd all benefit from this. 
Otherwise - in Foreclosure, I will have to defend it and claim the mistreatment of my case by Citi and subsequently - ignored by the CFPB. 
Thank you XXXX XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Tried to get a {$150.00} money order cancelled from Western Union Company but they said they could not do that and I explained it got lost are stolen and gave them number for money order and said no guarantee can get refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have made several complaints to Midland Funding about one of the accounts placed with them. During the dispute I asked for a copy of the document I signed. They have me listed as having a XXXX account in a state I have never been to. my name is also misspelled. I never had this XXXX account. They sent me back that they sent me some notice which I never received and never addressed that I did not sign for this. If I knew the dates that I supposedly had this account I could try to prove my whereabouts. they also seemed to say that because I have another collection account this must be legitimate. This is not legitimate. I have never been to Virginia in my life. This account needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-31
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is foreclosing on my home. They refuse to return calls, when I am trying to ask what my options are. They never sent me anything but acceleration letters. I 've reached out to their " executive group '' time and time again. Noone returns calls, no one sends out acknowledgement letters, or letters period. I am XXXX, I have my XXXX mother living with me, my son and his children. Please help!

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 2016-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion will not report my perfect payment history of my XXXX home loan # XXXX, according to XXXX XXXX of XXXX, until a mysterious TRANSUNION employee named " XXXX '' refuses to let XXXX reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to XXXX and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report. 
I have called TransUnion many times since XXXX XXXX of XXXX told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both XXXX and TRANSUNION. 
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I do n't know if there is a XXXX. Both XXXX and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, XXXX is making serious false accusations.

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 2016-12-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Despite having an agreement made two months ago with Wells Fargo to pay a credit line ( debt ) with $ XXXX monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving multiple phone calls from XXXX from Collections with the message, " XXXX wanted me to call you based on your agreement ... '' XXXX had no information about the " agreement '' with her supervisor XXXX ( noted in detail below ), but is calling me anyways. I told XXXX the agreement was {$300.00} a month, which is what I have been doing for three months now. She said XXXX told her to call me but had no other information. I then received yet another call from XXXX asking about this " agreement '' she has no information on and transferred me to her supervisor XXXX. 

Apparently, XXXX, whom I made the monthly payment agreement with wants me to pay the debt in full now and is having XXXX call me. I have explained now three times my financial situation and my inability to pay it off at once ( I 'm a new small business owner XXXX ). I offered my 2015 tax returns to illustrate my inability to pay the debt in full ( out right ), but the Supervisor XXXX told me, " lose the attitude, XXXX. I 'm going to follow my boss ' recommendation and sue you. '' XXXX then immediately hung up the phone as I began to respond to his threat. He hung up on me after telling me Wells Fargo was going to sue me regardless of answering the multiple phone calls from XXXX and paying {$300.00} every month as per the agreement made with XXXX at Wells Fargo. He does n't care and wants it paid off. A representative from Wells Fargo 's remediation department called me and left a message. I called the representative back only to have her tell me that she ca n't talk to me about the debt because it 's in my husband 's name. I reiterated that my husband gave Wells Fargo ( specifically XXXX ) verbal confirmation to discuss the debt with me. Apparently, the remediation dept representative did n't know about the case/issues prior to calling me. I noted to Wells that this is becoming a joke, but I 'm left with the threat of a lawsuit from a huge bank festering over my head. 

Hearing that Wells Fargo is going to sue me is causing me XXXX and I 'm a XXXX yo XXXX ( XXXX ) mother of XXXX. Small business owner in XXXX XXXX. 

Being harassed and threatened with a lawsuit is frightening.

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 2015-04-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage loan ( # XXXX ) with Wells Fargo towards the purchase of my new home in XXXX, CA. My wife and I are both gainfully employed in high paying XXXX jobs and have impeccable credit scores in excess of XXXX. The loan process began in early XXXX and I submitted comprehensive documentation of assets including statements at that time. I have had a lot of trouble with the Underwriting team at Wells Fargo responding 10 days after I initially submitted my documentation of assets. The initial estimate of the payment ( including costs ) due at closing given to me was higher by around {$7000.00} from the final closing cost causing me to scramble and liquidate assets towards meeting this requirement. The Underwriter did n't agree to have this as a closing condition instead requiring me to liquidating my assets before approving the loan. On this occasion too the Underwriter took more than 3 days AFTER the liquidated funds reached my bank account to sign off her approval. After all the delay caused by the Underwriting team, my wife and I finally signed off on the loan documents after depositing the payment with the escrow company yesterday morning XXXX. The Wells Fargo underwriting team threw a curveball after the signing by insisting on a Section XXXX item ( broken duct indicated by the termite inspection team and not the home inspection team ) to be certified as not being a hazard as a condition to funding the loan. This was not a condition that either me as the buyer or the seller had mutually agreed to as part of our contract agreement. This was a total surprise to me and the sellers as it was never mentioned as a condition by either the loan consultant or the underwriter previously. If this was a condition, the Underwriting team should have indicated as such, prior to me signing the documents for closing. I understand that loan underwriting standards have become very stringent, but I believe that Wells Fargo 's underwriting team is acting out of malice towards me causing me and my family undue grief and trouble stemming from rescheduling appliance delivery, movers and cleaning crews. At this point I can not understand the reason why Wells Fargo 's underwriting team is putting up last minute hurdles towards the closing of my loan other than the fact I had declared myself as being of XXXX origin in my application.

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 2017-04-28
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I   XXXX   from  XXXX   XXXX   XXXX   in   XXXX   XXXX  . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months, Navient, tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from Navient who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  Navient  on    XXXX   XXXX   XXXX   XXXX  , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the t ime my loans were " deferred '' would 've been until  XXXX .  Navient  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. '' Navient could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on. Navient has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Had a car loan with XXXX XXXX XXXX, which was voluntarily surrendered in XX/XX/XXXX. Said account is to be deleted from my credit file as of XX/XX/XXXX and it has not been done yet we in XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting a " unconfirmed '' Chapter XXXX Bankruptcy. 
I changed my mind about the bankruptcy and asked my attorney to cancel. Please see the attached documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion is reporting a Paid, Federal Tax Lien on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice, in XXXX 2016 and XXXX 2016 asking them to delete this entry from my TransUnion File. Most recently I received a letter from TransUnion dated XXXX XXXX, 2016, stating " Verified, No Change, '' and the tax lien remains on my credit report. 
I believe this is a violation of Fair Credit Reporting Act and would like action taken against TransUnion.

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 2016-08-02
Company: NEW YORK COMMUNITY BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am unable to access my account information with customer service. They indicate that I do n't have security questions/answers on file, therefore they ca n't verify my. Never have I been presented with the ability to complete said security questions/answers. The account was originally created with AmTrust who was then acquired by New York Community Bank. Since then, I 've been locked out of my account via their website and can not get assistance on the phone due to the lack of said security questions/answers. I do n't receive paper statements, they are online only so I have no visibility to what is going on with the account. I was n't too concerned about this since I have n't used the account in several years. Yesterday I received a overdraft notice in the mail on the account for {$8.00} and customer service ca n't assist me in determining why/how, again due to the lack of said security questions/answers. I 've provided them every piece of identifiable information I have ( account number, name, SSN and address ), yet this is not sufficient verification to assist me with resolving this overdraft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: I.C. System, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Letters were sent to the company on XX/XX/2022 as well as to XXXX in XXXX and XXXX to correct this account. There has been no response from the bureau or the company in reference to this 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 2016-11-04
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Over the past few months, I have reviewed my credit reports and notice XXXX entries on them from Ad Astra Recovery. I have reached out to them several times demanding documentation ( application, proof of identity, signature pages, etc ... ). No documentation has been received, but yet the entries are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
Dear XXXX XXXX am writing to tell you I 'm trying to work with you on my debts with you but it 's not working outI have XXXX ( XXXX XXXX ) and I can hardly do anything throughout the day. This is my third week trying to write you. I 've got a friend helping me do this complaint that I hope will work. 

You have called me about my debts and it just catches me off guard and confuses me. Please stop calling it just stresses me out. I 've tried to work out payments online and it does n't let me. The last year has been worse than ever and I 'm just trying to work things out before I die.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief