BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with WELLS FARGO on a condo in XXXX XXXX. My property and flood insurance was held by XXXX. XXXX decided to no longer provide cover in Florida. The cover therefore lapsed which was in XX/XX/XXXX. Apparently Wells Fargo sent reminders to that address that they may place forced coverage. I do not live permanently at that condo and the mail is forwarded. The letters were NOT received. My broker was instructed to provide new cover and did so with XXXX of XXXX XXXX  XX/XX/XXXX at a premium of {$22000.00} which was a significant increase from the previous premium. Proof was sent and acknowledged by WELLS FARGO on XX/XX/XXXX. We were NOT informed that forced cover was placed for the period of 3 months at an annual premium of {$85000.00} ( approx ), 4 times the amount of the real premium. The mortgage payments are made on auto pay and I had not looked at the statement until today XX/XX/XXXX as I have had no communication with Wells Fargo and assumed the mortgage was current, which it is with the exception that they have added an escrow to my account. I pay all property taxes and insurance myself and have done for the last 10 years and was surprised to see a monthly amount of {$2400.00}. They tell me they credited {$60000.00} back on the forced policy leaving some {$25000.00} to be repaid. That cover by Wells Fargo was with XXXX XXXX XXXX clearly an affiliate. I told Wells Fargo there must be a mistake with the exhorbitant premium but was told it was correct. I asked if a case number could be provided to escalate and resolve and was advised there is no process within WF to do this. Yet another issue constantly in the news with Wells Fargo practices and ability to make money without due regulation for the consumer.

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 2016-02-15
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial has failed to provide {$740.00} payoff refund after 2.5 months. The mortgage was paid off on XXXX XXXX, XXXX. I called Ditech around XXXX XXXX to confirm payoff status and shipping address for refund. I emailed Ditech on XXXX XXXX, XXXX, requesting an update. I called Ditech around XXXX XXXX and was told that a refund was issued on XXXX XXXX, XXXX, but it would be reissued and should arrive within 2 weeks. On XXXX XXXX, I received a response to my original email stating that a refund was mailed on XXXX XXXX. As of XXXX XXXX, 3 weeks later, no refund has been received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment Service, Inc. At XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , MN XXXX, has been sending me collection notices in the amount of {$1600.00}, the collection has been as reported pass due. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: AAA Collections
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My Daughter is being Charged for some XXXX? that we did not consent to or order they have been after her for 6 years She is now XXXX I want her to be left alone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my property was in active shortsale process in underwritten with and a counter offer from the bank green tree that had removed the sale date for XX/XX/XXXX because the active shortsale negotiation, in the process Green tree sold the loan to dietech who put back the sale date and foreclosured the property it went back to fannie mae on XXXX XXXX, 2015 because Green tree failed to transfer the shortsale package to Dietech, and Dietech did not have any knowledge that the property was in shortsale and proceeded with the foreclosure, at this point I want my property back I do have all the proof documentation to sustain my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2015-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company called up and said they were an 'investigator ' and needed to discuss my court date over their legal pending action against me. As I just received my credit report and know there is nothing on it the company is clearly trying intimidation tactics to collect old noncollectable debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Paypal Holdings, Inc
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I sold an item on ebay, in my description I specifically stated that i do not accept refunds or exchanges. The buyer reported to ebay that the item was defective so ebay refunded the money to him. The buyer then returned the item to me and I discovered that the item was not defective at all. Ebay and paypal are now trying to bill me {$250.00} dollars for this discrepency. I feel ebay ruled in favor of the buyer without all the information and even false information from the buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I believe that I was enrolled without consent or knowledge in Citi Identity Monitor. 

Customer Reference 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 2015-07-20
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been through a bankruptcy. My were debt were discharged in XXXX. Among them is this mortgage. I want Green Tree to do a Deed in Liu. I have made XXXX attempts. They have requested numerous documents which I have provided. The first time they told me they were closing my request for a deed in liu and that I had to evict the tenant presently in the house. So I started the process again. Sent all the ducuments again and asked my lawyer to help me evict the tenant. This process has begun. We gave the tenant 30 days notice as is required. The tenant was served this notice. Next month it will go to court if the tenant does n't vacate. Today I was informed by Green Tree that they were again closing my request for a deed in liu since the tenant is not yet out. 

Well since I 've been through a bankruptcy in XXXX and I 've begun my fresh start, I 'm not willing to compromise my private documents yet again for a XXXX time. I do n't see why Green Tree ca n't keep my request active until my attorney is able to get the tenant removed. I 'm not willing to go through the document sharing process again. 

In addition, the forclosure process in NY takes two years. I 'm trying to speed up the process with a deed in liu. The bank is n't willing to work with me. 

What do I want? Just keep my deed in liu request active until the the tenant is out and the deed in liu can occur. Asking for these docuements after a bankruptcy seems unreasonable to begin with. Asking for them XXXX times does n't seem to me appropriate at all. I just want to the bank to take the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I contacted Portfolio Recovery collection agency spoke with representative XXXX ( female ) to pay off a debt for XXXX XXXX, I was then told after asking to send a letter showing it was paid off and to also report on my credit bureau the same. The representative then said she would do so but to allow 30 days for it to reflect, after a year later it is still showing on my credit report as not paid. I then contacted them again on XXXX XXXX and the rep said it does show paid in full and that she showed it reported as of XX/XX/2021 but if I wanted it off my credit report I had to contact XXXX XXXX to get it removed. I am requesting a {$1000.00} due this affecting my credit after a year of this being paid or immediate removal of this negative and incorrect information on my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
My wife and I hold several different credit cards issued by U.S. Bank in partnership with XXXX XXXX hotel chain. We have paid the annual fees because we were promised perks on the contractual agreement. One such perk was receiving the last night free when booking XXXX or more stays at XXXX XXXX hotels. We recently received a piece of mail with sneaky writing indicating they had removed this feature on a whim, after I paid the annual fee for this feature. Ridiculous and unprofessional conduct. I expect that our annual fees will be refunded since there is no longer a reason to continue paying them and the shift in perks was misleading or deceitful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi. My name is XXXX XXXX. My Mom had numerous annuities with First Citizens Bank with me being the sole inheritor. They are all gone, there is nothing left in any of the annuities in my name. First Citizens Bank let my sister XXXX XXXX illegally use Power of Attornet to steal my whole inheritance. I have an attorney and one was appointed by the XXXX XXXX XXXX to be Adminitrator and First Citizens Bank is stone walling the information that the Attornies need to bring a law suit against my sister and possibly First Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been paid off for over month yet my escrow has not been received address XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX My money was paid promptly _ PLEASE RETURN MY ESCROW!!!!!!!!!!!!!!!!!!! 
XXXX XXXX at 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 2016-08-26
Company: The Leviton Law Firm, Ltd.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Signed up for marketing tool that was represented would work for my industry - merchant services. When it is clearly a construction marketing service for general contractors after reviewing it. I was told I could cancel and I did. They have repeatedly kept contacting me and my parent company after written and verbal notice to cease all communication from my XXXX XXXX law firm in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A couple of years ago I took out a loan from a company named XXXX XXXX. They ceased communication with me about a year ago but within the last few months National Credit Adjusters has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent 3 certified letters to this company requesting that they validate this account. I have never had this service & have knowledge of the at all. I requested a contract or some type of agreement between myself and the company be provided to me however, they have ignored an nagated every request. I spoke with XXXX XXXX id # XXXX and he told me to just file identity theft or fraud because that was the easiest route. All my attempts to resolve this matter with this company have failed. I want this account removed from all XXXX credit bureaus and their files if they can not provide me the necessary documentation, They only information they provide me was a last bill with a balance.

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 2016-09-23
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I wanted to purchase a video game add-on from a seller on a website forum. We agreed to make the transaction through Paypal and once the money was received the seller was not responsive. He constantly avoided any questions I had. Overall, the whole deal was a scam. I am sure the seller has done this to many other unaware buyers. The overall amount lost was XXXX XXXX I would at the very least like the CFPB to contact this individual to make him stop scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In 2009, I was informed by Citimortgage/Citibank via writing that they were foreclosing on my home. At the time I was several months behind, as the interest rate was 9.9 % as a result of ARM increase, and I could not make the huge payment. We tried to renegotiate and get back in good graces, but they would not budge from 9.9 %. We vacated the home, and they let the property sit for over 2 years, making us liable for taxes, maintenance, etc. and never followed through on the foreclosure with the Sheriff. The property was in limbo and I do n't think they even have paperwork as the loan was sold XXXX times in one year. They bore no responsibility financially for these expenses, forcing me into bankruptcy. I feel like they stole my home, my reputation ( resulting in job loss ), and my credit rating ... leaving me in shatters. There are still claims against us to this day ... and we can not seem to fight them off. Since then, I retrained my career, returned to employment, and we have rented a home closeby, and have been in good standing with the landlord for over 3 years. However, as I continue to reflect on what happened, I feel like laws were broken, and I was a victim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This was a promotional deal. The monthly statements were deceptive. The statement said no balance due when it was actually due and then they charged me 6 months of interest. In addition they had changed my payment method from being linked to a credit card to this credit account. 

I paid off on the phone immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: I.C. System, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
IC Systems failed to mail me a Dummy letter. Under FDCPA that is a violation and they can no longer collect on the debt. I want the debt gone and off my credit report. They ca n't report a Debt on a credit report if I did not recieve a dummy letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: I.C. System, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/2015 I contact my bank and XXXX and there was no charge to my credit card except the amount of {$1.00}. I then asked XXXX what 's going on again I paid you took my credit card why is my account still not working saying I owe you money. 
The lady named XXXX said you are in collections again. 
I said I called the icsystems and I am not in there. She said you have to call them again ok so I did now all of a sudden with her on the phone there was a case in ICsystems.com with a case number of XXXX. She said that case is no longer with us I said how come I never received a letter from you. She said again she could not consult anything with me about XXXX. So not XXXX from XXXX resolution department said that I have to call this number XXXX I said who is this this is the collections she said. 
So I called it and it was XXXX asking me to pay another {$190.00}. 
I said I just paid you this through my card yesterday on XXXX/XXXX/2015 I am not paying you again. XXXX said it looks like the transaction is not going through. 
Its not going through although it took my credit card. 
I said if I get over billed what are you going to do. XXXX said we will take care of it. 
Really like you have taken care of everything so far I am beginning to see a major scam here and I have contacted the FTC.GOV I am also contacting every agency within the government for credit abuse this could also be a possible discrimination case against XXXX XXXX Please help me. 

I have all snap shots proof and documentations and to be honest no federal agency is helping me so it seems so far at all I get harassed daily. 

This is suppose to be a constitution equal opportunity state of XXXX am seeking justice in this equal opportunity state on ConnecticutIn regards to my family members that serviced this state representative XXXX XXXX was my uncle who served at state of Connecticut Representative. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXTel # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: CT
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 sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 
I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: CA
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 still can not view my correct Equifax credit report online.

Company response to consumer: Closed with explanation