BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Working with the XXXX XXXX, WA Wells Fargo branch, located at at XXXX XXXX XXXX XXXX, for a home refinance was an absolute horrible experience. After repeatedly inquiring about a VA loan funding fee, which was supposed to be waived due to my VA XXXX, I have received nothing back from Wells Fargo except emails that show no progress or movement from XXXX of XXXX to the XXXX time of this formal complaint. After the closing of the refinance, I learned that my XXXX would allow the funding fee to be waived, so I inquired and never received back any feedback on the end state of my question. Only delay tactics, and quite frankly unprofessional methods of dealing with a newly acquired customer. I showed proof of my VA XXXX, and was told by the mortgage broker that my case would be looked into. Months passed and still no resolution. My concerns were never addressed to any kind of resolution from my initial inquiry, the present time of this formal complaint and I do n't think this is at all professional in any sense of how banks are supposed to work with customers. I feel neglected, and quite frankly, I have decided to refi with a different institution in order to depart from this horrible experience. I only wanted an answer of anything that could close this chapter, but unfortunately this has n't happened throughout this entire process. I only want resolution, clear communication, and a bank institution that takes pride in addressing the concerns of its customers in a timely manner. This Wells Fargo experience has been anything but professional and I hope this complaint helps with other potential veterans who decide to conduct banking with this particular Wells Fargo branch in XXXX XXXX, WA located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA.

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 2016-06-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since filing my original complaint with CFPB # XXXX In which COMMONWEALTH FINANCIAL SYSTEMS AGREED TO DELETE A DISPUTED CLAIM, they simply deleted original claim & refiled same claim changing the dates & omitting the name of the alleged hospital. I am now disputing that claim. Since filing, I 've seemed to have became a target of their wrath, today I received XXXX additional claims in total XXXX open claims. 
CFSI ACCOUNT NUMBERS XXXX, XXXX, XXXX In addition to filing a complaint with CFPB after the second filing of original claim, I have lodged a complaint with the State of Florida Department of Financial Responsibility ( Florida 's department that handles Fair Debt Collection Act complaints. 
Since Commonwealth simply changed dates & refiled same complaint with CRA 's I believe they are committing FRAUD & view their company as disreputable. Am requesting that the CFPB investigate Commonwealth & help myself & other victims of their activities. uploading all the information @ this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a credit alert about a company by the name of Ability Recovery services so I called the number listed to inquire about the debt and why was it still showing, the rude customer service lady yelled the whole conversation so I never got any information I ask for nor could I give her my case number. After I asked her why she was yelling she continue to huff and puff and then hung up on me. I called back and the next rude lady decided giving her name was not necessary when I asked and she proceeding to yell as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a discharge on a Chapter XXXX Reorganization as of a year ago this XX/XX/XXXX. The mortgage servicer company, Ditech, bought the mortgage from GreenTree and has failed to move me from BK status to normal servicing, has failed to provide a monthly statement, failed to provide loan balance, credit for all monthly payments made since I obtained a Confirmed Plan in XX/XX/XXXX, XXXX District Bankruptcy Court. I contacted CFPB when I was initially being abused by GreenTree, you failed to help me, I ended up in Chapter XXXX, with case costs of {$150000.00}, to protect my estate including my real estate which I rely on for retirement ; perhaps now you can do something - this is a straightforward violation around consumer lending disclosure, fair credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: NCC Business Services, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.

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 2017-03-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a problem with my checking account as a result of my purse being stolen, along with my check book and sensitive financial paperwork. As a result, I contacted SLS and the representative XXXX suggested I make my payment by XXXX and cancel the scheduled payment I had set up from my checking account. The payment was scheduled for XX/XX/2017. XXXX cancelled the payment & I made a XXXX payment on XX/XX/2017. However SLS still processed the previously canceled bank draft. I received a letter from SLS indicating that I now had an additional NSF on my account. If I get one more I will be banned from check payments for 6 months. This is their mistake, I cancelled the draft, on their recommendation, well before the scheduled payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For two years I checked my credit report and saw XXXX XXXX XXXX collections reported by Jefferson Capital Systems LLC on my report. XXXX for {$200.00} and the other XXXX for {$500.00}. I contacted Jefferson Capital on XXXX XXXX, 2016, and they referred me to XXXX XXXX XXXX to settle the debts. I paid {$100.00} using my debit card over the phone, and it was debited on XXXX XXXX, 2016. I requested to settle the {$500.00} account as well, the agent told me that there was no other accounts in collection. I contacted Jefferson Capital again, the agent I spoke to also told me that there was no other accounts in their system when she searched using my social security number. I went to the XXXX website and disputed the charge. Jefferson Cap. rejected my dispute and confirmed that my debt was legit. I called them again, and in some miraculous ways they found the account. On XXXX XXXX, 2016 I called and made a payment in the amount of {$170.00} that settled the account ( {$500.00} ) in full. Since I paid over the phone using my debit card again, the money was debited on XXXX XXXX, 2016. After that I requested for the debts to be deleted, and they were deleted by XXXX XXXX, 2016. On XXXX XXXX, 2016 I checked my credit report on XXXX and realized that XXXX XXXX. reported a new XXXX XXXX charge in the amount of {$330.00} to be collected. I called their phone number XXXX twice on XXXX XXXX and twice on XXXX XXXX, 2016. Their automated system says " no one is available to answer your call at this time '' on both occasions and the call just ended. I called XXXX to dispute the charge, although the agent assured me that it will be deleted within 24hrs, she also recommended that I file a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: Nelnet, Inc.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My daughter was going to XXXX when they closed their doors. I HAD Taken out ap parent loan for my daughter and it went through Nelnet as that was where my student loans are through. Both my daughter and I submitted the federal form for loan XXXX eness due to school closure. My daughters financial institution that is handling her student loans accepted it and her loans were wiped out and I have had to reapply 3 times and Nelnet keeps mishandling it and in the meantime is making me make payments and still accruing interest on the loan. Every time I contact them the answer is the same ... .I need to resubmit. I 'm frustrated and do not know what else to do. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX called me claiming to be XXXX saying that my computer was sending out error messages and needed repairs which it did not. Now they claim I called them. How could I have called them when I have never heard of them. Furthermore I have sensitive material on my computer XXXX and would not leave it with anyone except XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: TX
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TENET HEALTHCARE CORPORATION
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being charged {$600.00} from central financial control which is a debt collector for XXXX medical center. This debt and account is an authorized and my primary care physician is located in XXXX and this debt originated from 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 2017-03-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
JP Morgan Chase Bank has legally stolen the money that my mother put into UTMA trusts for her grandchildren. 
My mother, XXXX XXXX XXXX, opened UTMA and annuity accounts at JPM Chase for her grandchildren and contributed regularly. When we learned she got XXXX, we immediately went to our local branch to request paperwork to transfer the custodian of record for all of those accounts to her children, XXXX XXXX. XXXX and myself, who are the parents of her grandchildren. I took pictures of her signing the paperwork, and submitted those to JPM Chase Bank. 
After she died on XX/XX/2008, we learned that JPM Chase had FAILED to provide all of the paperwork. They only gave us papers for the annuity accounts, not the UTMA accounts, even though I made it very clear at the time what we wanted to do and why. The banker who gave us the incomplete paperwork is no longer with JPM Chase. The lawyer fees we would have to pay to probate her will and release the funds would exceed the combined value of the accounts. 
I have made many, many inquiries and complaints over the last nine years to JPM Chase, including at the branch and to their Presidents help line. The only advice they offer is to wait until the kids turn XXXX when they can claim it themselves. 
That would be acceptable, except that they charge a fee of {$5.00} per month per account. All appeals to cease charging this fee have met zero success. The net effect is the accounts will be depleted entirely by the time the kids are of age to claim their rightful inheritance. 
JPM Chase has already stolen {$60.00} per year times XXXX kids times 9 years from a XXXX victim and her grandchildren. Everyone is oh so sorry, but the fact remains. No refunds are forthcoming, and the fees continue. 
If Americans can not trust their banks and the laws behind which the banks hide, then what use is a financial system? 
Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX/ XXXX XXXX Account # XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 it also state a consumer reporting agency can not furnish an account without my written instructions. i did not give them written instruction. 

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse items of information other than records of convictions or crimes wich antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My problem is that PNC Mortgage is trying to sell my house at foreclosure auction without giving me the chance to be considered for any programs that would allow me to get my loan restructured or modified. There has been a major change in my financial circumstances as my wife is working full time and based on this information we certainly qualify for an assistance program. The issue is that PNC refuses to give us the time of day, refuses to open a new review, refuses to assign a contact to handle our case and instead is moving to foreclose on my home I have owned for the last 12 years. 

I worked as a welding inspector for the last 13 years until I was injured. I ended up beginning the process of applying for XXXX but it is a lengthy process. At that time my father was living in the home with myself and my wife. Although I was not bringing in any income at that time, my father picked up the slack and helped out with everything. The big problem started when he passed away. At that time I reached out to PNC in order to be reviewed for assistance options. I was told that I was denied because we did not have any income coming in at that time. I was waiting for XXXX and my wife was looking for work. Luckily we had some money put aside and continued making the payment for nearly another year, and then the funds dried up. My XXXX benefits case was still pending. I once again reached out to PNC to see if there were any options such as forbearance plans, deferred payment plans or unemployment plans. However, their agents refused to consider ANY of these options and immediately moved to put me into foreclosure. 

The good news is that there is a change in financial circumstances, my wife is working full time as an XXXX and contributing 100 % of her monthly income to the household. We are now in a position that we can definitely afford a reasonable monthly mortgage payment. The problem is that when I attempted to inform PNC of this situation and initiate a new review I was told it was too late and that they were moving forward with the foreclosure. This is not only unethical, in the state of California it is illegal. I believe I am entitled to a full review of my current and correct financial circumstances in order to determine eligibility for all federal, state and internal programs that are set up to help struggling homeowners. PNC Mortgage is refusing to do so and instead insisting on auctioning off my home unless I can reinstate the loan in full. I am not in a position to do that, but if PNC were to postpone this sale and review the current financial information they would see that we have a much improved financial position and would be able to get back on track with our mortgage loan and make a fair monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : ) showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$4600.00}, XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$3300.00}, XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Ray Klein, Inc.
State: CA
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:
On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance!

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