BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-04
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX/XXXX/2016 I was charged a overdraft fee when I had more than enough money to cover the bill. : The following items posted against insufficient funds : Item Amount XXXX XXXX XXXX PA {$36.00} Item Paid Final Available Balance as of XXXX/XXXX/16 : - {$42.00} This balance does not include the fees listed below. 

Fee ( s ) totaling {$36.00} will be charged on XXXX/XXXX/16. 

I opened two other account attached to the same card and the young lady who assisted me with opening the cards asked if I wanted overdraft protection. She was told YES. 

I spoke to a young lady today and she stated although I had enough money in the bank to cover the cost, the check mark was not checked for this account to cover incidents like the one mentioned. 
Again, I opened the other accounts inside of the branch and was verbally informed by the attendant that the protection would avoid me paying over draft if I had the money in another account. 
As a housing counselor, I felt the wallet was user friendly, I have spent several minutes looking for the check mark the CSR spoke of after telling me there was nothing she could do to help me ... and I still have yet to find it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage My original documents have over 21 signature lines that were left blank. It states there was a closing attorney in XXXX in which there was not one at closing. There was a fee charge according to my documents but no closing attorney was there or closed any loan. 
The California All Purpose Certificate Of Acknowledgement has issues as well because I never sign it nor appeared as stated by the Notary and it would make no sense to why this document was hidden from me by wells fargo home mortgage and why it says corrections agreement and limited power of attorney and why this was done or why. Wells fargo home mortgage ever presented me with no documents or did I agree to any changes or limited power of attorney. I also have US Registered mail sent to wells fargo home mortgage was sent 4 times with no response to various issues pertaining to issues that was dodge and never responded to by Wells fargo home mortgage. Wells fargo home mortgage can not prove or explain to why my original documents that I was giving to me are one way and other documents by wells fargo home mortgage seem forged or adjusted to my documents by image. I have consulted 2 attorneys that have sued wells fargo home mortgage to this same pattern they committed in XXXX on home loans documents. 
I 'm in the process of filing suit on this loan not been legally binding and forged by wells fargo home mortgage and with holding documents to adjust documents with out my consent or knowledge. The instrument/ loan is not legally binding by other issues that never replied back back to years ago that US Registered mail to the issues. I have all the US Registered mail that was sent to wells fargo home mortgage

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 2022-07-11
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This involves an amount owed to my sons former apartment complex while he was in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. My son received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. My son is not familiar with the debt and taken off guard and he asked ProCollect Inc to call me as I was the guarantor for my sons lease. I spoke with a representative about the debt. He also demanded payment from me. I asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my son nor I have ever received any correspondence from ProCollect Inc. I told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. I then asked the representative again to mail me one letter to verify the debt and I would pay it off. The representative refused and stated he could not help it if the USPS did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my sons credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing XXXX disputes.

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 2020-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
Spoke with both Experian and XXXX XXXXl XX/XX/20 after receiving a letter from XXXX XXXX explaining they could not find my account. Spoke with both parties who told me that 1 ) Experian would not correct my credit reporting unless XXXX XXXX let them. 2 ) Spoke with XXXX XXXX   after they mailed me a letter saying we can find your account. 

I explained to XXXX XXXX what was on my credit report, how long this has been going on for and I was willing to settle this with XXXX XXXX and they said, NO. 

They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why Experian is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which XXXX XXXX comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. 

The account they have for me is under XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX and the last 4 of my social is 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 2016-11-18
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company Professional Adjustment Corp, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: SYNCHRONY FINANCIAL
State: OH
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: Problem with personal statement of dispute

Complaint:
Synchrony Bank continues to report an account I closed and paid in full back in  XXXX     1989. The y include a negative comment on the file and have been doing so for 28 years thus only serving vindictive purposes. The credit reporting agencies are no angels in this as they had the opportunity to tell their clien t ( th e bank ) that this dispute is too old to report -- instead they cower to their clients ' wishes and ignore the consumers. The credit agency did not investigate my dispute and simply followed the orders of their client. Note, the bank reports a  XXXX  balance that was paid in full in  XXXX   1989.

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 2020-03-06
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 i received court paperwork by mail saying the law office of James Vaughan was Garnishing wages for a debit owed. i called the company and said the name on the garnishment was not mine, it is addressed to XXXX XXXX XXXX and XXXX XXXX, the rep said the first 3 of the SS # were incorrect and that i need to send a email to them stating the i am not either one of these people nor do i know them, i did as the asked. On XX/XX/2020 i received another set of paperwork stating they were continuing with the garnishment and lien. i again called the company and said this is not me, they told me that SS # was on it so i need to pay it, i tryed to tell them i never had the last name XXXX the said i was a lier and im going to pay it regardless of what name is on it. they said the collection is from a apartment complex in XXXX i never lived in that complex in that year. i asked them to show me proof that i signed the lease and used my id to get the apartment, was told i that to prove to them i didnt get it they dont need to prove anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
nelnet who is the servicer has reported the 120 days late on my credit file the information is incorrect for the reason i have made many attempts to get information on the account. the amount due has been satisfied and when i challenged the validity of the account in retaliation they slapped a 120 days late on my account is this a deliberate form of harassment and a attempt to destroy my credit worthiness that i have worked hard to establish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX  Acct # XXXX {$810.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed

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 2020-03-06
Company: Betterment LLC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$50000.00} dollars from my checking account to Betterment LLC. I had forgotten about a few items coming out of my checking and so attempted to withdraw {$10000.00} the next day. The withdrawal said that it would be 1-2 business days depending on when I submitted the transfer. This was on XX/XX/2020. On XX/XX/2020, it was still not in my account but in betterment the funds were showing as withdrawn. I submitted a help ticket to Betterment and was told that the funds would be sent the night of XX/XX/2020. I think this is false advertising. The company has since shown me fine print that says, '' '' Transactions can be subject to processing delays in certain circumstances. 
While 1-2 business days is generally the expected withdrawal timeline from Betterment Everyday Cash Reserve, withdrawing funds soon after a deposit can trigger a temporary hold on your withdrawal. This hold should last no longer than 4 business days. If further action is required on your part, we will let you know. '' While it is part of their policy, this seems very deceptive to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX received a collection notice of a debt that I owe {$4200.00} plus {$640.00} totaling : {$4900.00} to XXXX XXXX XXXX purchased in XX/XX/XXXX. I have never ever had any dealings, accounts, or service with XXXX. My internet service provider is XXXX / XXXX and my wireless service provider is XXXX XXXX. In my XXXX  years of existence, I had never had any relationship with XXXX. Who, what, how my name was used to transact this account with XXXX, is beyond me. I suspect someone has committed fraud using my name and contact information. Now I'm dealing with the 3 Credit report agencies to have this cleared up. Put a dispute with the 3 credit reporting agencies as well as a freeze on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
This is not my account with JCMP card service. I never had an account with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: MO
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:
Currently a company by the name of XXXX XXXX is attempting to collect on a debt by the original creditor XXXX. This was placed on my XXXX  credit report along with my Experian  and XXXX  reports. Both XXXX and Experian reviewed the dispute and immediately removed this from my credit report. After multiple attempts XXXX continues to ignore the original dispute. 

The dispute is very simple - I terminated service with XXXX in the first few days of XX/XX/2019 and moved my service to XXXX after constant issues with poor service and billing issues. My lease on my phone had concluded, the phone returned and confirmed received by XXXX days later. I have had XXXX service for XXXX, XXXX of 2019 and since. 

In XXXX of 2019 XXXX sent me a bill attempting to charge me for XXXX over three weeks after terminating service. After months of billing issues with XXXX it did not surprise me that XXXX was still trying to charge me for a service that had been terminated for weeks as their XXXX   complaints show a long line of people they attempt to do this with. Then XXXX attempted anyway to charge my credit and debit cards and access my bank accounts and take the money anyway which was immediately stopped by the fraud departments. 

To date neither Experian, XXXX XXXX or XXXX  who is allowing this to remain on my credit report have shown me a single bill with actual charges. When they are asked to provide proof they just send another copy of a past due notice but never a single copy showing what the service is for, the period it was to be provided in both of which would show the charges are for service long after I left XXXX and ceased having an account or service with them. 

I have filed numerous disputes with Experian and the reply I get each time is 'they verified the debt '' and each time it's with a copy of a past due bill. Not once have I been handed a single piece of proof of what the charges are for or any legal document allowing them to charge me for anything outside of the time I had service with them.

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 2019-10-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since I graduated with my XXXX in 2013, I have had trouble financially being able to make payments towards my student loans. From being unemployed to having a job, living with more than 5 people in a single household, to now only having a job that makes me {$31000.00} a year before taxes. Navient never puts into account how much I make a month after taxes, and how much I have to pay in bills. I cant even afford to pay for my own health insurance, how can I afford to pay towards student loans. I now owe over $ 100k in student loans after all the interest stacked up. I dont think Ill ever be able to pay this off. My main complaint is that they dont provide support and when you go to make a payment on the due date, they charge you a late fee and then make you also pay for the next months balance. Im furious! How is my payment late if Im paying it on the due date? Thats preposterous! I absolutely refuse to pay for next months payment on top of this months payment. Im barely making ends meat and they have the nerve to try to force me to pay both this month and next months payment? They dont even give me the option to only make the payment for this month. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXSANTANDER CONSUMER USAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: American Credit Acceptance, LLC
State: TX
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:
i did not authorize nor consent to the following inquiries being furnished on my consumer reports. The following Inquiries to be removed, 1.XXXX XXXX XXXX XXXX- XXXX XXXX 2XXXX  XXXX XXXX- XXXX XXXX 3.AMERICAN CREDIT ACCEPT- XXXX XXXX 4.XXXX XXXX- XXXX XXXX 5.XXXX XXXX XXXX XXXX- XXXX XXXX 6 XXXX XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8.XXXX XXXX- XXXX XXXX 9.XXXX XXXX XXXX XXXX XXXXMAJR XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX XXXX XXXX 14XXXX XXXX  XXXX XXXX 15XXXX XXXX XXXX 16.XXXX XXXX XXXX  XXXX 17.XXXX  XXXX XXXX XXXX 18.XXXX XXXX  XXXX 19.XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
State: AK
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: Investigation took more than 30 days

Complaint:
I sent a dispute letter that was received over 30 days ago by U.S. certified mail. They have failed to properly validate the accounts I questioned. I have received no written communication or any supporting documents that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief