BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo Bank ( WFB ). I scheduled my mortgage payment like I do every month. I find today that two mortgage payments have been debited to my checking account and an additional one ( for 3 total ) is pending. I only authorized one payment from online bill pay at WFB from my checking account. I keep my balance at checking balance at WFB at XXXX dollar over my mortgage amount of {$1100.00}. When I talked to the banking side of WFB they said one came from bill pay and one from an auto-pay on the mortgage side. WFB bank side transfers me to WFB mortgage side. WFB mortgage claims one payment was from their bill pay service ( which is the one I authorized ), one was entered online on their mortgage site ( I did not do thsi and am unaware that this could/can be done ). WFB mortgage also claims there is no auto=pay which the WFB baking side said was there and show no pending payment ( see atatched screen shot image ). The problem is that the second payment caused an overdraft transfer from my credit card with WFB. If the third pending also hits it will generate another overdraft. This seems to be more of the shady business practices of WFB. Although I have not seen any fees associated with these over draft transfer yet I suspect I will. At any rate it seems WFB has no idea what one hand or the other is doing and just pulls explanations out of thin air. They should at least consult on what lie there going to tell a customer. I never, NEVER use auto-pay on anything. WFB can see that I have been making my mortgage payment using their bill pay service and that I keep {$100.00} in the checking account. Can you rattle their cage please?

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 2016-01-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
After presenting name,. SSN, and Date of Birth the Experian system tells me they can not confirm my identity, and I have been unable to contact a human to talk with to try to find out why they can not confirm my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the second Cease and Desist letter that I have sent to   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on   XXXX   XXXX  , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by JP Morgan Chase who is not a party to my Adjustable Rate Note and my Deed of Trust.
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: U.S. BANCORP
State: MN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/XX/XX/2015 I discovered that XXXX prepaid debit cards that I had purchased had been used by someone to make small fraudulent charges. I reported this to USBank. The cards were deactivated to prevent further fraudulent charges. When they were deactivated, the money I had placed on those cards were also made unavailable. I was instructed to fax information into the disputes department so that I could go about getting my money ( {$400.00} ) refunded ( fax included - proof of possession of cards, receipt for purchase of cards, my contact information ). On XXXX I called inquiring about status and was told to call back after 10 business days had passed. On XXXX I called and was told I 'd need to call the fraud department the next day. Today, XXXX I was told that I never needed to send a fax and that I would need to wait to receive a letter in the mail. Then after sending back the letter, i would need to wait 45 days for an investigation before my funds are returned. I asked to have my funds that were remaining on the cards but not in dispute returned to me immediately ( approximately XXXX ) while waiting for the disputed charge ( approximately XXXX ) to clear. This set off a maze of phone calls and conflicting information from representatives about the current status of my dispute and how long it would take for me to receive access to my funds. At this point it is unclear whether USBank is even appropriately attempting to remedy this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have contact my lender (   XXXX   ) numerous times concerning the delinquent mud tax for my home. I have faxed the tax document twice and emailed it on   XXXX    XXXX ,2017. They have given me the runaround and have not paid the tax. There has been interest and penalties attached to the bill.
<P/>
Delinquent Taxes for Account [ Incident :  XXXX  ]

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: AMERICAN EXPRESS COMPANY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
American Express customer services phones almost always after  XXXX . They most always never leave a message and when they have left one they ask me to phone them on a  XXXX  #. I live in a foreign country and can not phone   XXXX   XXXX   # numbers. They have my address, they know where I live and that I live in   XXXX   XXXX    as it is my address of record but yet they still phone me all hours of the night, disturbing my household and in violation of FDCPA.
<P/>
They have phoned 7 times since the  XXXX  of  XXXX . FIVE of these times were in violation of Federal laws as they phoned after  XXXX . Here are the the following dates and times :  XXXX    XXXX   2017 phoned at   XXXX   no message left  XXXX    XXXX   2017 phoned at   XXXX   XXXX   left a voice mail ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX   XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at  XXXX  no message left I kindly request that American Express be penalized for fragrantly violating the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a home equity loan from XXXX XXXX XXXX that got forgiven due to the department of Justice lawsuit. All XXXX credit bureaus are reporting every month that I have not paid and I 'm past due. I have provided them with the letter from XXXX XXXX XXXX stating that there is not a balance on this account and that it is not past due, but they are not correcting my report, and every month they are reporting me more and more late ( over 30, 60, 90, etc ). I got denied a business loan because of this and it has damaged my credit. I want this account deleted immediately and I do n't know who to contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
in 2011 I opened a trial account for {$1.00} with Experian - Acct # XXXX XXXX XXXX I have been billed XXXX since then. I have never used the account. 
I had no idea I was being charged. They refused to refund anything more than the last month. This is fraud,

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 2016-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a dispute with XXXX card XXXX ending in XXXX that has been resolved but my credit rating with Experian has not been updated to reflect this. I was denied a XXXX credit card on XXXX XXXX. Please update my credit rating to the excellent status that I had before this problem occurred.

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 2016-03-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I could not get my report online from XXXX and Experian

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 2017-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
See attached Cease and Desist # 1 letter which I sent on  XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on  XX/XX/XXXX , I called SPS and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,  XX/XX/XXXX  to present,   XXXX   XXXX   since  XXXX  to present and more. See attached letters of my conversation and list of documents.
 <P/> I  called again on  XX/XX/XXXX following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on  XX/XX/XXXX . We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to SPS validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan with   XXXX   XXXX   XXXX  ,  XXXX  and other questionable issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Performant Financial Corporation
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In   XXXX   2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
<P/>
On  XXXX / XXXX /17 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
<P/>
The debt collector was informed that I am not the debtor on the  XXXX  2017 phone call and proceeded with an improper wage garnishment.
<P/>
The debt collector is Performant Recovery, Inc.   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: U.S. BANCORP
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for bankruptcy. I got a discharge of my debts. US Bank is my mortgage holder. They refuse to report that I have a mortgage to the credit reporting bureaus. They also wo n't release my mortgage statements for the last three years.

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 2017-07-17
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
opened a sear citi bank master card. after only several uses card was declined. when I called they said they think someone else may have used the card. I requested that they immediately close the account. they asked for my password saying it starts with the letter "  XXXX  '', I have no such password. now they say they ca n't verify who I am to close the account. I 've tried 4 separate occasion. I requested they send a form to my address, they have n't. I wrote a letter with the details and a request to close the account including a copy of the bill that was sent to me as proof and a check paying the balance in full. I just want this account closed.

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 2017-02-15
Company: ERC
State: TX
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:
This complaint is in reference to account XXXX with Enhanced Recovery Corp. According to my credit report ERC took over this account from XXXX in XXXX of 2016 in which I was not aware of this account until ERC listed it on my credit report XXXX/XXXX/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( XXXX ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On XXXX I made payment to the Original creditor ( XXXX XXXX ) in the amount of {$160.00}. ERC was notified by the original creditor the payment day ( XXXX/XXXX/2016 ) that the account was paid in full and as of today has not reported the correct account information which has caused me to be denied credit. As of today after multiple disputes on this account ERC continues to report false information to the XXXX reporting agency which is a FCRA violation. For the last 6 months ERC continues to update XXXX reporting agency and list the account as an unpaid collection and with a balance owed ( {$160.00} ) in they are aware that the account was paid in full on XXXX/XXXX/2016. As of today I am prepared to sue ERC for not providing complete and accurate information to the credit bureaus and for not correcting inaccurate information in my report upon credit disputes. This is not acceptable for ERC to knowingly participate in unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-04
Company: Convergent Resources, Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XX/XX/2016 I contacted Convergent Outsourcing Inc. to settle a debt that was not listed on my credit report at all. I spoke to a rep and she explained to me that the settlement is for {$270.00}, which by paying this amount the debt would be considered paid in full and it would be cleared up. I paid it and within the same day I received an alert that they changed my account twice ( they duplicated the payment and my credit card company reverse one of the transactions ). I thought everything was over, but in XX/XX/XXXX I received an alert from my credit monitoring app that Convergent Outsourcing Inc. is reporting this account to all XXXX credit bureaus as a unpaid account. I contacted Convergent Outsourcing and spoke to two different reps ( XXXX XXXX and XXXX XXXX ) and I explained that I paid this debt 6 months ago I have the confirmation and credit card statement to show that I paid it. I also asked both of them why did the company post this account to my report if I paid the account 6 months ago, neither one of them could explain to me what happen. The dishonest from this company and their reps and completely uncalled for. They should be able to report anything to the credit bureau if the account was paid and settled 6 months ago. This account needs to be deleted and an investigation needs to be done to see why this company is scamming customers.

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 2016-12-22
Company: ERC
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:
Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did  XXXX ,  XXXX , and Experian disputed these bogus accounts. There is no account numbers associated with these accounts.

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 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I was checking my credit score o n   XXXX   XXXX   and saw that my   XXXX   credit score went down about  XXXX  points during the last   reporting period for apparently no reason, as nothing has changed since the last period. I am filing a separate complaint about this, but this complaint is about TransUnion who I went to, to check for information to compare with   XXXX   to see why my TransUnion score did n't go down, but my  XXXX  one did.
<P/>
I had to make an account to check this information, and they asked for my card information which I just assumed they needed to accurately reflect credit. They made NO indication that I was signing up for a paid account, and now whenever I try to go through their portal to cancel my subscription that I apparently now have, it does n't work. Every contact method they list is related to opening accounts/getting more information and I do n't really want to call because I 'm worried I might end up with more useless charges and no way to get my money back.
<P/>
This exchange happened on  XXXX   XXXX , 2017 and the amount I was initially billed is {$21.00}, which I also assume is going to be a recurring cost.

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 2017-07-17
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Security finance in  XXXX  Tennessee reported late payment to the credit bureau  XXXX   XXXX  2016 I have since paid the account off and owe a  XXXX  balance however the account is still showing a negative mark on my account and severely affecting my credit how do I go about having this removed.

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