BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Please forgive me for not remember exact dates. 

Sometime around XXXX XXXX, 2014, someone had gotten my debit card number. They then used this number to order food from XXXX. I was completely oblivious to the fact at the time. Both my income and my fiancee 's income were going into the same bank account, and we both had debit cards on the XXXX account. Meaning lots of charges were made each day ranging from {$3.00} to $ XXXX. I rarely checked the actual statements, just the balance from my mobile app. 

The person first started using this card on XXXX XXXX, 2014. They used it sparingly at first, every couple of days. Seeing around {$20.00} every couple days was not a red flag for me, since we were both using the cards every day. This went on for four months. Sometime around XXXX XXXX, when the person was full blown ordering XXXX a day, sometimes XXXX, I noticed that the amount I could have sworn should have been in my bank account was much much lower. So I investigated. I saw these XXXX charges ( see the XXXX pages of charges attached ) and immediately asked my fiancee. He was not ordering from that website. I called the bank and told them to cancel the card and file a fraud statement, I called XXXX, and I also went down to the police station to file a police report. A few days later I check the account again, more charges from XXXX. The bank had failed to cancel the card like they had stated they did and more charges were made. They finally cancelled the card and the last charge from XXXX was made on XXXX XXXX, 2014. 

So, After much hassle I fill out and mail in the affidavits for the fraudulent charges and wait some months for the funds to be put back into my account. The total amount of fraudulent charges made was {$1500.00} ( see attached sheet of replaced funds ). I start seeing charges being refunded, but not nearly as many as there should be. So I called the bank again and they told me something shocking. They will only replace the charges that were made within 60 days of the FIRST fraudulent charge. Meaning, they refunded {$610.00} and I was out {$920.00}. They would n't even refund the charges made after they were supposed to have " cancelled '' the debit card. How is this fair practice? I called many times after demanding to speak with a supervisor and they all told me the same thing. This is absolutely unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Other financial service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Western Union is refusing to release funds of a money transfer and has given no good explanation other than " needs further validation ''. We, sender and receiver, contacted customer support repeatedly, even provided a letter from bank attesting that funds were released to WU on schedule - but not to avail. I attach the email from the money sender to WU with relevant details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX. My husband, XXXX who is a XXXX vet, loss income in XXXX due to COVID. We managed to pay the mortgage until savings depleted. Then had no choice but to apply for COVID hardship in XX/XX/XXXX. 
XXXX XXXX Loss Mitigation approved us for COVID-19 forbearance which stated that any suspended payments would be added to the maturity date of the loan and no lates would be reported to credit agencies. 
XX/XX/XXXX, we regained income XX/XX/XXXX resumed payments and have since paid timely XX/XX/XXXX received notice to pay missed payments and when we contacted the collection company, they said that the mortgage company showed us as owing a balloon payment. We have tried calling Santander Mortgage to figure out how this happened, but lines are always busy. 
XX/XX/XXXX account sent to collections and 30 day late reported to credit agencies. We contacted a XXXX Loan Counselor who placed several calls/messages to Santander Loss Mitigation XXXX XXXX ) XXXX to explain that late/suspended payments due to loss income as a result of the pandemic are not supposed to be reported to the credit agencies. 
XX/XX/XXXX, and XXXX XXXX, called again. Was able to speak to Loss Mitigation Supervisor ( XXXX XXXX XXXXXXXX ) who research our account and explained that someone pushed a payment deferral which caused the problem. 
XX/XX/XXXX Problem still not fixed and collections continues to report late payments to credit agencies. PLEASE HELP US.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} XXXX XXXX account. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXXt Account # XXXX Account # XXXX Account # XXXX, Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without My Written Instructions

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 2022-05-25
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Bankruptcy Account # XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-08-12
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They never informed me I had a right to dispute. I requested verification of debt and never received it. They continue to call me and say they will continue to attempt to recover debt that can not be verified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Credit Protection Association, L.P.
State: IN
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 keep getting calls from an automated number. They are from Credit Protection XXXX and they provide XXXX different phone numbers to contact them in the same message. They also provide a verification ID number to refer to. I have attempted to call XXXX numbers to tell them they have the wrong number and to stop calling me, but XXXX numbers are completely automated, and you can not reach a real human to talk with. You can push numbers to remove your number, but it does n't work. You can not leave a message and must have your account number. This is not my debt and I want them to stop calling my home number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-05-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2022 I applied and was immediately approved for a Union Bank Visa credit card. They had a promotion offering {$0.00} fee balance transfers for the first 60 days. As soon as it was approved, I was asked if I'd like to request a balance transfer. I said yes and entered in the account number and balance amount for my XXXX XXXX. I was not asked for an address. I never received an email confirmation for the new card account or for the balance transfer. I was given no verification or documentation. My XXXX XXXX payment was due on XX/XX/XXXX. The balance transfer did not show up on my account, so I made the minimum payment believing the funds would soon be transfered. I received no communication from Union Bank until receiving the card on XX/XX/XXXX. The transfer amount was shown as a balance on the Union Bank Card, but was not applied to the XXXX XXXX. Then, on XX/XX/XXXX ( 13 says after requesting the balance transfer ), I received a letter saying Union Bank mailed a check to " XXXX XXXX '' ( name misspelled ) on XX/XX/XXXX. None of the card disclosures said balance transfers were done by physical check. I don't know of any large financial institutions that does not use electronic funds transfers. On XX/XX/XXXX, a full two weeks after being approved for the card and requesting the transfer, I received a check made out to " XXXX XXXX '' and addressed to my home address. Union Bank sent my balance transfer to my home, addressed to the wrong company. When I called customer service about this error, they tried to tell me it was my fault for putting in the wrong address. I was never asked for one and they could not demonstrate where or how I had submitted both the wrong name and address. They offered no possible solutions and I ended up closing the account in frustration. Now I'm going to be charged interest on the balance I could have paid completely on the due date and I have a card opened and closed two weeks later on my credit report. I now don't have the funds for a home improvement project I have planned ( the whole reason I applied for the 0 % interest card ) and wasted a significant amount of time with both XXXX XXXX customer service ( trying to find those supposedly transfered funds ) and Union Bank 's grossly incompetent and unhelpful customer support.

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 2017-02-04
Company: Phoenix Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Phoenix Financial Services LLC stating that I owed a debt that was closed over a year ago. I informed them that the debt was paid in full and requested information to forward them proof of debt paid. While I was waiting for the XXXX balance letter and copy of account paid from the original creditor, I submitted a photo of my bank statement showing proof of payment. They did not contact me again until the 30 days was up, or request any other kind of proof. They then attempted to contact us again saying that it was a valid debt. We were advised by the original creditors that Phoenix Financial Services LLC is not a collection agency that they use for collections and that more than likely they were attempting to fraudulently collect information. When I informed them of this information they became combative and told me that the debt was valid and refused to give me information from the company that was requesting the debt paid. I forwarded them the additional documents proving that the debt was paid in full, and they responded by reporting to the Credit Bureaus as a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
5 years ago I fell 2 months behind on my mortgage. I reached out to my lender, Bayview Loan Servicing LLC, for assistance and they told me I was ok and that when I fell to 3 months behind they had programs and options available to help me with my financial situation. The day I hit the 3 month behind mark, I called the lender to make a payment and schedule the remaining XXXX late payments for XXXX weeks later via automatic withdraw to bring the account current, only to find out that I was being processed for foreclosure. Unfortunately my situation required a chapter XXXX bankruptcy ( the debt was mine and I should be responsible for paying it back, not wiped clean and given a free ride ). Since filing for bankruptcy, I have made every monthly payment to my current mortgage lender, Bayview Loan Servicing LLC, ( sometimes a little more ) for the last 5 years as per my chapter XXXX bankruptcy requirements. I have the receipts and or conformation numbers to verify each payment. Twice during the bankruptcy Bayview incurred debt on my behalf without my permission ( they paid my property taxes when I have never had an escrow ). They attempted to have my bankruptcy discharged stating I was 6 months behind, again we had the receipts to prove their accusation wrong. As of the end of XXXX 2015 I have been released from my bankruptcy as paid in full. I just attempted to refinance under a VA loan and much to my surprise Bayview is reporting me as delinquent, again we have made each monthly payment with receipt to verify, as recently as XXXX 2015 even thought they say I have a XXXX $ credit. Bayview Loan Servicing LLC even sent a letter to the bankruptcy trustees stating we were current on our loan. As a result of their improper reporting habits I can not refinance under any loan to get out from their 9 % interest rate. Can someone please help resolve our issue? I have been fighting with this company for years now. Research has shown Bayview Loan Servicing LLC to have terrible consumer relations and would appear they are in the business of forcing people out of their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX 2017 I sent an actual live check to to Everbank and they held it for 30 days and I reported TO THEM that they held my check to make me default on my loan which i immediately paid on line. They removed the negative mark from my credit report only to place it back. I am trying to obtain a mortgage and I need Everbank to report my credit for the last 12 months and change the late pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Financial Credit Service, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been contacted repeatedly a woman named XXXX or XXXX XXXX who leave the following message. 
XXXX '' I am contacting you regarding an urgent federal matter out of XXXX XXXX [ XXXX ] County. Our firm sent you notification in regards to filiing case XXXX. At this time a decision will be rendered on your behalf with or without your consent. " I have looked up the numbers, which are related to a company located at the following address. It goes by different names, depending upon who calls, but I believe it is the same outfit. 
XXXX XXXX XXXX XXXX, XXXX, IL XXXX : XXXX : XXXX : XXXX XXXX, PresidentThe statute of limitations has long expired on any debt I may have had in the past, and these people ignore requests to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Tried using a local ATM to make a cash deposit XXXX XXXXXXXX XXXX ATM number : XXXX ), but was unaware that you are not supposed to deposit across bank companies. The ATM went forward with the transaction and took {$480.00} in cash, then provided a receipt that states, transaction not allowed. It asked me to input the correct amount, which I did ( {$480.00} ). It then provided another receipt that states : deposit exception record. One or more deposit items were unable to be returned due to a technical problem. We apologize for the inconvenience.

I immediately went inside and spoke with a teller who told me they could not help because I was not a XXXX XXXX  customer and to call Chase ( my bank ). I then called Chase and was instructed to call XXXX XXXX. When I called XXXX XXXX  and spoke over the phone they informed me that Chase needed to start the dispute process so I could get my money back, that it was a Dispute Regulation E. When I tried Chase for the second time, I was told that because they can not see the transaction in another banks ATM, they have no way of helping me, despite me having both receipts and the ATM number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo will not fax paper work to me or another mortgage company. I have been trying for over a month to get paper work that Well Fargo has on my XXXX Mortgage. We have called everyday for XXXX weeks and have faxed everything they have asked for. But they will not give me information about me to me! Is this covered under the Freedom of Information Act. I can, t get my own info. how is this legal. I am trying to get a new loan for my house but Wells Fargo will not help at all. This is a contract between them and me and they are withholding this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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've contacted the following accounts below & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX 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 2022-05-25
Company: Navient Solutions, LLC.
State: IL
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:
In the month of XXXX I obtained a copy of my credit report. I am attempting to purchase property and was denied. What I became aware of is the fact that this company was in violation of my rights. The information that was reported was/is a DIRECT violation of FCRA SECTION 623, 15 U.S.C. 1681s-2 ; 12 CFR PART 1022, subpart EXXXX I have sent several letters to NAVIENT about this issue and I have even called them to no avail ..... 
I started sending letters to them in XXXX of 2021 when I first became aware of this issue and they never corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After a period of financial difficulty, I received an offer from Wells Fargo for a loan modification to bring the account current and to lower the monthly payment. I needed to make a payment by the end of each month ( XXXX, XXXX and XXXX XXXX XXXX to qualify. To assure the payments were received by the last day of the month, I utilized XXXX 2-Day service. Apparently, the XXXX delivered the Priority Mail package with my XXXX payment XXXX weeks late! I did not know that this occurred until I received a letter XXXX from Wells Fargo stating the XXXX payment had not been received and that I was ousted from the Loan Modification plan. On the same day that letter was received from Wells Fargo, I received a letter from their attorney. I promptly replied to Wells Fargo and supplied documentation from XXXX showing the package was supposed to be delivered on XX/XX/XXXX, but did not arrive until XX/XX/XXXX! With that reply and documentation, I also included another payment for XX/XX/XXXX I believed that once Wells Fargo reviewed the documentation and saw that I attempted to make the XXXX payment on time and that XXXX mishandled the package, I would be placed back into the Loan Modification program. Unfortunately, today I received a letter returning the XXXX payment. I acted in good faith to make the trial payments as required. I believe that Wells Fargo should act in good faith, given the documentation and proof provided them, to continue the loan modification as originally offered.

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