BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Monterey Financial Services LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On line purchase from   XXXX   XXXX   purchase  XXXX / 17  Charge to my   XXXX   XXXX   {$63.00} This amount included {$19.00} for  30 tr ial  P & H cha rge of {$29.00} tax {$13.00} The cancellation for the item was placed on the   XXXX /17    XXXX   XXXX   received their product back at the  XXXX  GA  location   XXXX /2017    XXXX   XXXX  I was billed twice to my checking account    XXXX /2017   and again  X/X/  2017  in the amount of  XXXX . I have spoken to   XXXX   XXXX   and their finance    Company Monterey Finanical over a ( 2 ) month time frame without resolve.      Illegally charged without my written express permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company basically likes to steal from people. They are still reporting me on collection when I have informed millions of time that the account that is open under my name, was open as a result of identity theft. I contacted them last week to let them know again, and tried to find a possible solution to my problem, and the representative that took care of me over the phone told me that the account was a result of a XXXX card. I wasnt even aware of that. I find this very weird because I was approved for a XXXX card having them reporting me on collection. When i checked my credit report, it said that he original creditor for this account was XXXX bank nevada. Nothing makes sense to me. They dont even know what they are doing and what they are charging me for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our XX/XX/XXXX statement inaccurately indicates a past due amount of {$140000.00}, and erroneously stated we have not made any payments on the account since XX/XX/XXXX. The attached Trustee Ledger of payments to Wells Fargo Mortgage during Case number XXXX was {$75000.00}, which to date has not been credited to the account, while Wells Fargo Mortgage and the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via Attorney XXXX XXXX is moving with lighting speed to unlawfully foreclose our home without providing us the correct and true amount that is past due. We have submitted numerous Qualify Written Request ( QWR ) Pursuant to 15 USC 1692g 809. Validation of debts and California Rosenthal Fair Debt FDCPA requesting the following documents in order to validate what is actually owed on our account prior to Wells Fargo Mortgage proceed with foreclosure on the property to no Avail : ( 1 ) Account Payment History from XX/XX/XXXX thru XX/XX/XXXX. ( 2 ) Reinstatement Work Sheet ( 3 ) Detail documentation as to how the {$75000.00} from Chapter XXXX Case NO : XXXX was apply and credited to our account. ( 4 ) Any and all charges for delays posting our payment to the account. ( 5 ) Any assesses an incorrect late charge amount. ( 6 ) Any pyramids late fees ( Pyramiding occurs when the loan servicer takes the assessed late fees from the regular payment and leaves part of the scheduled payment overdue ) .as Federal regulations and California State law, and mortgage contracts prohibit this practice.

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 2016-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Portfolio Recovery Associates purchased my debt after it had been written off. After I moved into my home they started knocking on my door and threatening me with legal action and until I agreed to a settlement and a settlement was offered for a partial payment in lieu of going to court, at the time I was in XXXX treatment. I was told this would not be added to my credit report and I have been disputing with them for the last 5 years to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan at PNC bank. In XX/XX/2022, a tree fell on my home and demolished it. After informing PNC bank of this situation, they sent out a person from the mortgage insurance department. The insurance department declared it a loss and communicated with me about this. 

I received a check in the mail from the insurance company a few weeks ago and also included was a printout detailing what would be required is I wanted to rebuild. I informed PNC that I am not interested in the rebuild, however, wanted to payoff my mortgage loan balance. 

For XXXX weeks now, I have tried to get my mortgage loan payoff, I have spoken with PNC by telephone, I have visited a local office and called the mortgage department again and again, they won't give me a payoff. The branch I visited is trying to help me get the payoff, they have not received any information either. 

I do not know what to do now, please help me get my payoff and help me resolve my mortgage loan with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a resident of California. I had received notice from my mortgage company XXXX XXXX XXXX XXXX that my home was being foreclosed on with a sale date in XXXX. In XXXX of XXXX I applied for a loan modification for my home mortgage. CMG confirmed they received my loan modification package and postponed the sale date until XXXX XXXX, XXXX. Since applying for the modification I have contacted the XXXX XXXX on a regular basis : at least once a week, sometimes more and have provided all documents they requested. Currently no decision has been made on my account and they have not removed or postponed my sale date. I understand that a sale date held concurrent with a loan in the process of being reviewed for modification is illegal in California and called dual tracking. This dual tracking has continued throughout the processing and review of my my application and XXXX XXXX refuses to acknowledge that this is illegal and remove my sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX /   2017  I filed a complaint against a company. You assigned it case number  XXXX . On  XXXX / XXXX /   2017  you sent me an email with the status indicating that the company has replied to you. Howevere, they replied that they will investigate and get back to you and me. As of this day I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
With out my Permission Ditech Financial issued Unauthorized Documents to my Bank & Funds from my Account was submitted to Ditech with out my Consent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had a student loan with Navient student loan company since 2012. I have been in touch with this company several times. I realized after 2 years I was making double payments on this loan. I was mailing a payment and then they were taking the payment autopay every month. When I realized this I looked into it and they were charging me interest on both payments and not applying a payment directly to principal. When contacting the company I was hung up on several times and re routed to several people. I was basically told that is how it works because student loans are designed to be payed off within the payment plan originally chosen and that penalties were given if the loan was paid off before the desired payoff year. If I did n't get charged extra interest my loan would of been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: EQUIFAX, INC.
State: GA
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 have asked Equifax to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  XXXX   XXXX . I contacted  XXXX   XXXX   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to Equifax and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  XXXX   XXXX  and the letter from Equifax. How can Equifax say they verified the info and I have proof that the public record is not in  XXXX   XXXX  database.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Wells Fargo discontinued the Nevada  Unemployment program and advised ( in a letter ) that all remaining balances would be send via check. Prior to the program ending I changed my address with Nevada  unemployment to my Ohio  address. After not receiving my check I walked into a Wells Fargo branch and they could not help me so I called on X/XX/17 and inquired, only to be told it was send to the old and inaccurate address. I was also told it would take 10 to 30 days to replace the check and it would be sent to my new address, XXXX XXXX XXXX XXXX, Ohio  XXXX. I called Wells Fargo today and immediately received a rep and they said I have to transfer you to a level 2 representative. I have been on hold over 45 minutes. Fortunately I am back to work and can wait on these funds but I ca n't get anyone to tell me what is going on. I would like my remain balance ( somewhere around {$1300.00} ) IMMEIDATLY and am requesting interest since you are holding my funds. In addition I would like a call so I can arrange to pay off my Wells Fargo credit card, close my checking account and I will arrange to move my mortgage. This was my first experience with Wells Fargo about a year ago and unfortunately it has been very poor. I am also filing a complaint with the CFPB. I finally talked with someone at the company and they said I would receive the funds but now there is no timeline. They cant hold money they owe me XXXX, if I owed them money and I was n't paying back, I would get calls everyday.

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 2021-12-26
Company: P&B Capital Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE DEBT THAT THIS COMPANY TRYING TO COLLECT WAS FRAUDULENT OPENED AND NOT AUTHORIZE BY ME I DID NOT PROVIDE ANY ID OR SOCIAL TO THIS COMPANY I DISPUTED THIS INFORMATION BEFORE THE ADDRESS THAT THAT PROVIDED NEVER WAS MY ADDRESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: FL
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 dispute these Items in the month  XXXX  Equifax did not compile with the State Attorney General Settlement Agreement  and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that  you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required und er Section 611   ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness.     According Sectio n 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclo sure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than  five  days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14
Company: Early Warning Services, LLC
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and the early warning System are reporting derogatory information to XXXX Pertaining to frivilous debt that im not responsible for Im a victim of fraud and identity theft since XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the Perpertrators. XXXX XXXX WAS AUDITED IN XX/XX/XXXX BY THE Irs tax examiner for claiming fauld dependenr deductions. They also opened a checking account A Business Account with XXXX and a XXXX acct with XXXX XXXX bank then had me investigated by consumerinfo Credit collection Agencies are reporting incorrect information about my income Residential Address and XXXX XXXX XXXX is displaying incorrect information about my nane and sex. The division of the general service administration is reporting derogatory information about me. I was convicted of a crime but my civil liberties are restored. I am discriminated against in XXXX XXXX by federal entities because the assused me of a frivelous homicide which i would have been proven innocent if i had of appealed to the united states of nevada supreme court. Every since i came back to las vegas ive experienced nothing but casualties and theft of identity and fraud and more retaliation by the state of Nevada parol Commissioners. I am the owner of XXXX XXXX I was Audited in XX/XX/XXXX By XXXX XXXX Of The XXXX for over payment of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage which was assigned to Greentree and now they call themselves Ditech. I have my payment to auto debit out of my account every month on the XXXX when it is due. They took it out on the XXXX ( not a problem ). I got a call this morning at XXXX from Ditech asking me to make a payment, I informed him that the payment was already set up on auto debit from my account, his response was oh I see that. Well it is still pending. Why am I getting a call 2 days before my payment is due when the payment will be there on the day it is due? Also let me state NEVER have I been late in the 12 years I 've had my mortgage. NEVER did the other banks that I 've had to make my payments to in the past called me and harrassed me as much. When it was Greentree they called me asking for payment the day my check cleared my bank which is why I went with auto debit but I guess that is n't good enough for Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Association On XX/XX/XXXX I sent Portfolio Recovery a Debt Validation Dispute letter because on my credit report its stating a deragatory acct. Of {$550.00} I sent it certified Mail Return receipt requested. Post mark on Receipt Received on XX/XX/XXXX. However during the period of days nothing, No correspondence or acknowledgement or Debt Validation response has come to my attention.They put on my credit Report that Acct is Disputed by Consumer I have sent a second letter, waiting the 31 days I sent another Disputed and Debt Validation on XX/XX/XXXX.But even a second Dispute Debt Validate so the can respond with some correspondence.Nothing has been received by me, they signed for the Two Certified however I Have n't received 1 piece of correspondence from them, no letter of acknowledgement.The company states in all my Credit Reports go through Portfolio Recovery. Portfolio Recovery states I have a Deragatory Open Acct of {$550.00} which original creditor is XXXX however Creditor Contact Details Portfolio Recoverywith no details. On all my XXXX different Credit Report it states meets FCRA. .Portfolio Recovery has not sent me the Consumer One piece of information for this claim.The Credit Report states the account was opens on XX/XX/XXXX. My XXXX report from XXXX/XXXX/XXXX states loan types Debt Buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a verbal agreement with Portfolio Recovery Associates in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my first payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my first payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my first payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.

Company response to consumer: Closed with explanation