BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-02
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
When I voiced myself with the woman- please note- this time I did not catch the name, had it been 2 months prior- I would have, along with an employee ID number or something, because as mentioned before, I am just about done. The purposed of my call to XXXX had to do with me attempting to speak with XXXX XXXX because the CFPB notified me that DFS- XXXX XXXX ... requested for a 60 day extension. This information was given to me hours AFTER I had sent my 2nd follow up email to XXXX the first was more of a thank you but both emails did request for DFS to update me about any new information regarding my concerns- at their earliest convenience. Whoever I spoke with in lieu of XXXX though that she was doing the right thing by CALLING THE LOCAL POLICE TO HAVE THEM COME AND DO A WELLNESS CHECK ON ME- SO ONCE AGAIN, THANK YOU DFS- DISCOVER CC- DISCOVER BANK FOR MAKING ME FEEL AWFUL. XXXX, I just needed a break- and seeing that my issues started ( LIKE FULL MOMENTUM ) in XXXX I THINK THAT IT MIGHT BE OKAY TO FEEL A LITTLE DEFEATED. 
I would like to state that I DID SAY I NEEDED HELP- NOT THE POLICE 's TO COME AND MAKE SURE I DO N'T XXXX- I NEEDED DFS and the people who work there, SAY WHAT THEY MEAN, AND MEAN WHAT THEY SAY. IF I DO NOT KNOW WHAT I AM PAYING FOR- ACCORDING TO THE FTC- I DO NOT HAVE TO PAY. SOOOOOOOOO- XXXX XXXX is coming up soon- and my inquiries about my TRANSFER BALANCES- were initiated on XXXX XXXX with clear PROMISE that I would be provided an answer in 72 hours. IT HAS BEEN ALMOST A MONTH- and 6 billing reps later- THE SUPERVISOR- XXXX assured an answer by XXXX DO N'T TELL ME THESE THINGS WILL HAPPEN- and then DROP THE BALL, ESP BC IT WAS ALWAYS THE REP WHOM I SPOKE TO, that put themselves in that very situation. 


Regardless, I did need help- I NEEDED A BREAK, bc MICROMANAGING MY DFS ACCOUNT has been a NIGHTMARE. AND HONESTLY- WHOEVER CALLED THE POLICE TO COME CHECK UP ON ME, PROBABLY SHOULD HAVE UNDERSTOOD A LITTLE BIT MORE ABOUT WHY I WOULD CLAIM TO BE TIRED or state that I HAVE LOST SLEEP. BUT NO- did n't look up my info, just sent the police instead. SO THANKY YOU - FOR ONCE AGAIN, MAKING ME FEEL LIKE I AM XXXX, FOR THE MOST PART- I AM JUST ASKING FOR INFORMATION REPS HAVE PROMISED, BUT NEVER DELIVERED- of course there are other issues but ONCE AGAIN- I AM TIRED- DFS has WORN ME OUT- and I CAN NOT WRITE ABOUT THIS ANYMORE. I WOULD TO STATE- ON THE RECORD, NOOOO - ME WRITING THAT I CA N'T DO IT- as in I CA N'T CONTINUE WRITING ESP NOT ANOTHER REPORT- DOES NOT MEAN I WANT TO XXXX or ANYONE AROUND ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a banking account with XXXX. XXXX could not open the account due to the consumer report that XXXX received for Early Warning System. I contact the company to have my report sent to me. After receiving the report, I submitted a letter to start an investigation on a dispute. I sent a total of four letters requesting documents and validation of the information that was being housed and distributed to other companies at request. Early Warning responses each time calling these investigations frivolous dispute. The process started in XX/XX/2022, it has been over 30 days and 4 attempts for Early Warning to valid the information. The company has failed to provide documents for the information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I deferred three months of payments due to Covid. My payments were to resume in XXXX. I called Wells Fargo XXXX and told them I could resume payments. I asked to have the amount added to the end of the mortgage. I then made XXXX XXXX payment that the rep advised me to do. 

I called to make my XXXX payment on XXXX, and they said they had rejected my plan because I was to make a payment on XXXX XXXX. I spoke with my agent, and she said this was in error because I had made a payment XX/XX/XXXX. She was going to escalate this to her supervisor I called today XXXX and the rep I spoke with said that no supervisor had touched my account The are wanting me to pay {$14000.00} on XX/XX/XXXXXXXX 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 2016-04-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing this complaint because Ditech Financial is unjustifiably holding my escrow overage of over {$500.00}. My mortgage escrow account was due for a yearly analysis XX/XX/2016. This was the procedure for prior years and was noted on Ditech 's online website. XX/XX/2016, I noticed that the analysis STILL had not been done. I forwarded an email to them and the next day the analysis was finally done. The analysis showed an overage on my account which was mailed to me. The problem, in addition to being one month late, was that I had moved just as this check was mailed to me. I waited for three weeks and when the check and analysis was not forwarded by my post office, I sent an email to Ditech instructing them to stop payment on the check and issue a new one since I believed either it was lost or was being returned to Ditech. The check finally arrived a few days later and I decided to deposit the check since I had heard nothing from Ditech in reply to my email. The check cleared and I assumed the matter was settled. However, Ditech withdrew the money from my account. When I called them in early XXXX, 2016, they said they had done what I had requested. In fact, I requested a stop payment NOT a withdrawal and I told them to reissue the check and send to my new address. So they did NOT do what I had requested in my email. The withdrawal occurred on XXXX XXXX, 2016 and as of XXXX/XXXX/2016 ( nearly two months ) I STILL have not received the replacement check. Ditech has no right to hold on to this money. I believe they are trying to float the money which is profit for them using my assets. This should be and may well be illegal. I have written them numerous emails trying to get this resolved. They, in turn, have done nothing except send form letters that they are " reviewing my written request ''. There is nothing to " review ''. They clearly have an obligation to give me my escrow overage money and are using stalling techniques to avoid paying me what they have owed me for over 4 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The lender makes every effort to not credit payment on the date that it is received. 
The lender charges high fees for making payments and intentionally delays posting payments to create additional late fees. 
The United States Postal Service confirms that the payment was received on XXXX XXXX but the payment is not posted until XXXX XXXX. The Lenders ' correspondence states that a late fee would only be charged after the XXXX. But a late fee is charged to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Last payment of {$7000.00} was received by Southeast Toyota Finance SETF.com towards my car pay off amount as of XX/XX/XXXX. The account balance was confirmed as negative - {$26.00} with SETF.com on XX/XX/XXXX. When I double check my balance on SETF.com by XX/XX/XXXX, I've found new balance {$7000.00}. XXXX is stating that my last payment was reversed back to my bank account, but the bank confirmed that I don't have anything from the merchant. XXXX is refusing to provide any associated information such as return tracking number. I have the case opened with XXXX as well as with the bank for a week. It looks there is a fraud going on with XXXX. What is the next step? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
a lot of information is showing invalid on my credit report with Experian. I am interested in disputing all incorrect information to help my file become correct.

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 2016-02-19
Company: Stearns Ventures, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted Stearns Lending multiple times to get my escrow adjusted to reflect a property tax exemption from my county. First, it was to see what information was needed in order to adjust it. I submitted the questions through the online contact form. I received an email confirming that the request was received, however, I never heard back. I called in after waiting the requested 10 business days and was told that the county needed to send them a form. When I asked for the form, they said that the county is the one who has it. I called my county who had no clue what is was but offered to write a letter confirming the property tax exemption on the property for my service XXXX veteran husband. This letter included all the information on my property including the estimated tax bill for 2016. 

On XX/XX/XXXX, I submitted this letter through the same secured form online and got a confirmation that they received my request and it asked for XXXX business days to review and research it. On XX/XX/XXXX, I called in because I again never heard a response from the company. I was told that they denied my request for Escrow Adjustment because I did n't submit an actual tax bill. When I explained that tax bills do not get issued until XX/XX/XXXX, they said that they can not go off of the county 's estimated tax bill. I questioned this because they are currently withholding the escrow based off an estimation and not an actual tax bill. The answer was still no, they would not adjust my escrow based off of my tax exemption. This puts a large strain on my monthly cash flow because the difference in escrow is about {$150.00} a month. 

I also questioned why I was not informed that the request was denied. I literally had no communication back from Stearns lending after I submitted the request. I was told that I submitted the wrong form. I questioned how that was possible considering that I used their form online. I never got a clear answer. The agent I spoke with was agent # XXXX. I 'd love someone to review this call because it truly was bizarre. 

I 'm appalled that a company who is holding VA mortgages is not more familiar with tax exemption available to XXXX Veterans. Also, this is the not first time I 've had issues getting my escrow adjusted. When I switched insurance policies, I had to submit the request 4 times before it actually was done. Each time I called, I was informed that they never received the information. There is a systemic issue with bad service and communication at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone tried to apply for credit with my social security number without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX I contacted PNC bank in reference to a payment for my rent submitted XXXX/XXXX/XXXX electronically though a XXXX app. on the day of XXXX around XXXX in the morning I called customer service to inquire about the payment that was submitted because online it was indicating that the payment was not paid & it looked as if it was returned due to insufficient funds. I spoke to XXXX who reassured me that the payment had not been returned & it was either paid or still in the process of being paid. XXXX/XXXX/XXXX I received a letter from my rental property manager that they received the returned check and I was to pay not only the rent but a return fee for {$100.00} and a late payment fee of {$100.00}. Due to the wrong information that was provided XXXX/XXXX/XXXX Myself or my partner were unable to make the proper arrangements to avoid the fee that was accessed XXXX/XXXX/XXXX by the property manager. On several occasions have we spoken to the bank to get informed information on how to properly use our account & on several occasion has the wrong information been provided. The difference between the past & now is due to the lack of knowledge the rep ( s ) & as well as the local branches have it has caused us financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Even after settling a XXXX lawsuit for abusive overdraft practices, PNC Bank has not stopped their manipulative practices to create overdraft fees on their customer 's accounts. As my attached ATM receipts will show, PNC is giving their customers one set of accounting figures, while they are using another set of accounting figures internally. In doing so, they have unfairly charged me XXXX ( XXXX ) overdraft fees of {$36.00} each. Please note the following : 1. ATM receipt # 1 - date XXXX/XXXX/16 a withdrawal of {$45.00}, new available balance {$120.00} 2. ATM receipt # 2 - date XXXX/XXXX/16 a withdrawal of {$50.00}, new available balance {$74.00} 3. On XXXX/XXXX/16 - {$1.00} purchase in workplace cafeteria - availability immediately taken away, new balance {$73.00} 4. ATM receipt # 3 - date XXXX/XXXX/16 a withdrawal of {$20.00}, new available balance {$53.00} ( also proof that the {$1.00} was already taken from my availability ) 5. On XXXX/XXXX/16 there were XXXX ( XXXX ) pending payments of {$25.00} & {$66.00} totaling {$91.00}, new available balance XXXX 6. ATM receipt # 4 - date XXXX/XXXX/16 balance inquiry, available balance XXXX 7. ATM receipt # 5 - date XXXX/XXXX/16 deposit {$100.00}, new available balance {$62.00} 8. ATM receipt # 6 - date XXXX/XXXX/16 withdrawal of {$60.00}, new available balance {$2.00} On XXXX, PNC charged me XXXX ( XXXX ) overdraft fees of {$36.00} totaling {$72.00} for the payments of {$25.00} & {$66.00}, although my ATM receipts show the {$100.00} deposit covered these XXXX ( XXXX ) payments. On XXXX/XXXX/16 PNC charged me XXXX ( XXXX ) more overdraft fees of {$36.00} totaling {$72.00} for the {$60.00} ATM withdrawal on XXXX/XXXX/16 ( receipt # 6 ) and the {$1.00} purchase from XXXX/XXXX/16. These are fraudulent, unfair, and abusive practices and I am demanding reimbursement of the {$140.00} PNC stole from me. 

These figures are not just what I believe, but they are what PNC Bank have provided me based on my receipts. The ATM balances are in " real time '', then PNC fraudulently manipulated the processing to create fees. 

On a larger scale, I hope that you will launch an investigation into PNC 's manipulative and abusive practices. 

The math plain and simple : XXXX ( XXXX pending payments ) XXXX ( ending available balance )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to address a collection reported on my credit report from LVNV FUNDING LLC for {$600.00}. I have sent several certified USPS letters to both the collection company ( LVNV FUNDING LLC & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with LVNV FUNDING LLC XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. XXXX has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to LVNV FUNDING LLC addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that LVNV FUNDING LLC does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of XXXX, therefore LVNV FUNDING LLC. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a XXXX XXXX acct with a General Power of Attorney and got XXXX. Shorty after returning from XXXX she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with Portfolio Recovery. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. Portfolio had no issue taking the 1000 dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received paperwork stating that a lawsuit is going to be filed against me for a debt that I do owe on. The cover letter from the company states I need to contact them to resolve the situation more amicably. I did send an email with the draft of a settlement letter, and I will follow up by sending the letter via certified mail. I want to pay the debt ; this is one of the last ones I need to resolve. This letter is dated a few weeks after I received the first debt validation letter. 

I believe the company is using this as an intimidation tactic to collect money for the creditors it 's representing. I am willing to work with the company to resolve the debt, but I do feel that in this instance they 're in violation of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, XXXX, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, XXXX, Experian, XXXX erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you

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