BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
WELLS FARGO HAS NOT ANSWERED MY QUESTIONS AS TO WHO WAS WHAT IN THE INVOLVEMENT OF MY MORTGAGE AND FORECLOSURE. I AM SENDING MY REQUEST FOR THOSE ANSWERS.

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 2022-05-26
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity ( social security number name and address ) was exposed in the 2017 Equifax Data Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My first issue concerns the length of time it is taking to settle this refinance. On XX/XX/XXXX, I filed an loan application with Citizens Bank for re-financing my home. It 's now XX/XX/XXXX, and I still do n't have a closing date. They tell me this is because of delays from Underwriting. 

Second issue : They are now insisting that I remove security bars from " all '' the basement windows in my home because they say these security bars pose a " safety issue '' rather than just removing the bars from XXXX window per room in the basement, thus addressing any safety concerns for a quick exit. Besides, I do n't see how this is any part of their concern, as this would be something that would addressed by a homeowner 's insurance company, who regularly do hazard inspections. They say this is the Underwriter 's request. 

Third issue : This mortgage was originally obtained through Citizens Bank in XX/XX/XXXX, but then a few months later, I got a " welcome letter '' from XXXX. that they were now servicing the loan. I forwarded this welcome letter to Citizens Bank last week, as they said it was my responsibility to provide proof of which bank now holds the lien on my property. Now they are telling me, that that is not enough and I should obtain more information from XXXX. Is n't this the job of the title company assigned to my file or should n't the employee of Citizens Bank, who is handling the loan subordination take care of this? 

My fourth and final issue is that they are now quoting me over {$11000.00} in closing costs, for a refinancing on a {$610000.00} loan. That seems very high to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I keep receiving calls about a debt I have no clue about

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made several purchases using my debit card. These were listed under my pending/on hold transactions. A couple days later, I had emergency brake work done on my car. This was after my other withdrawals. The brake work caused a slight overdraft ( which I expected ). A couple days later, I received overdraft charges on my account for XXXX items totalling 210.00 ( approx. XXXX of my paycheck ). These were all caused by the minor charges I had made previous to the brake work. In fact, the brake work was finally deducted four days after. I contacted customer service and asked for a supervisor. I spoke to a supervisor named XXXX who insisted that there was nothing he would do to help and basically insulted my intelligence. I was told that even though those charges were made previous to the large charge which caused this, that they were posted after the charge ( and while it in itself was still on hold and pending ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22
Company: Big Picture Loans, LLC
State: NV
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX/XXXX/2015, I obtained a payday loan for {$400.00}. Starting on XXXX/XXXX/2015, I have been paying back on the loan in the amount of {$100.00} each month. 

XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} The above payments totaling {$400.00} have been ACH debited from my checking account to repay the payday loan. As of XXXX/XXXX/2015, my payday loan account information on the www.castlepaydayloan.com website is showing an outstanding balance of {$20.00} that still needs to be paid towards the payday loan. When I contacted Castle Payday Loans customer service department on XXXX/XXXX/2015, to pay the remaining {$20.00} owed on the payday loan, I was advised that I still needed to pay {$520.00} towards the payday loan because the {$100.00} payments I have been making every month have only been applied towards interest and finance charges, according to Castle PayDay Loan 's customer service department. I asked to speak to a superviser regarding my account and was transferred to a superviser named XXXX, who advised me that I have not paid towards the payday loan and that the {$400.00} I have paid so far was only for interest on the loan. That is crazy and I do not understand how much money Castle PayDay Loans is expecting me to pay back for a payday loan of {$400.00}. None of their customer service representatives or supervisers can explain it to me to where it makes sense and so that I can understand. I want them to stop ACH debiting my checking account, but they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Have filed Complaints to XXXX XXXX XXXX. 
In regards to the Enhanced Recovery Company # XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX/XXXX/2015 sent a 30-day Validation Notice. 
Have asked Several times in the last 5 months to have the items removed. Contacted : XXXX XXXX, XXXX and XXXX. 
The repositories do n't contact the Debt collections and their reply is they verified the information is correct. Need the item removed. Please! Next step is to file a Class Action Suit in regards to Title V of the Fair Debt Collections Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a letter from XXXX XXXX XXXX XXXX stating that I owed {$620.00} dlls as of XX/XX/21 and that they represent PayPal. I checked my XXXX account and the balance is {$0.00}. Everything paid up to date. 
The letter was sent from Texas ( empty lot ) and the letterhead has an address from XXXX, NY. 
I already calle

d Paypal and they don't know what I'm talking about. I logged in to Paypal for
um and there are many customers with this same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
To who it may concern : In XXXX 2016, I submitted a employment background investigation, and was informed I had collection accounts on my credit report. To my surprise, I was un aware of this debt, nor did I receive notice from the collection agency. Even to this day, I make them send things via email, because I do not receive mail. I immediately contact the agency to make payment arrangements and paying right away. Previous, I spent a year address things on my credit report. There should n't have been anything outstanding or negative. I was in dispute of the debt, however had to clear debt to complete clearance. Now, that I am down to the final payment of the debt, I was informed by XXXX of the credit reporting agency to have the debt removed it would have to come for the collection agency. I am requesting to have this debt removed because I was not contacted and given time to dispute this debt. It is impacting my negatively. Preventing me from being able to provide essential living things for my daughter and myself. The collection agency does report when payments are made, I have to continuously call in. Thanks in advance.

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 2016-08-05
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My cfpb information is falsified.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 USBK COURT XXXX Docket # : XXXX, has violated my rights.

15 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 non-monetary relief
Consumer complaint received 2020-09-30
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
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:
My husband and I were granted a loan modification ( short sale ) on XXXX XXXX, 2020. I lost my job due to coronavirus, and thankfully we found a short sale buyer. Despite having always paid our mortgage on time, we were told that we had to be 30 days late in order to close. After closing, Mutual of Omaha reported our 30 day late status to all 3 bureaus. This should never have happened because our loan modification occurred during the time of the CARES act enforcement and our payments were current prior to the modification. 

I first disputed this with Mutual of Omaha on XX/XX/XXXX, and they responded to me with the attached email of XX/XX/XXXX in which they refuse to report my account as current to the credit bureaus. When I did not hear from Mutual of Omaha after a month, I decided to dispute with the three credit bureaus. Both XXXX  and XXXX  removed the late month from the payment history, but continue to show a 30 days late indicator, which seriously impacts both my and my husband 's credit rating. XXXX  did not change the report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -US DEPT ED XXXX 15 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 an 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company Alliance Collection has attempted to collect a XXXX debt from me, that is not mines! I would NEVER consent to any outside company access to any of my personal medical information, without my authorization. This company has sent me copies of medical statements and procedures, trying to validate a debt without a signed release form. The HIPPA Privacy Rule clearly states this as a violation of my rights. 

As of today, XXXX I have sent over more than 6 certified letters to Alliance, requesting written validation and a XXXX release form. On top of that, today at XXXX Alliance had the audacity to actually call my phone, attempting to collect. Thus again ignoring my request for written replies only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 2 ) XXXX XXXX- Inquired on XX/XX/XXXX 3 ) XXXX XXXX- Inquired on XX/XX/XXXX 4 ) XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXX 5 ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

Thank you, 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 non-monetary relief
Consumer complaint received 2021-11-25
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: Personal information incorrect

Complaint:
I have mailed in the correct id documents and nothing got fixed, so I am attaching my social security card and driver 's license here for XXXX, XXXX XXXX, and Experian to remove all incorrect addresses off of my credit report. The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please remove all other addresses, or just keep the one on my driver 's license if you must, but remove all other addresses which are INCORRECT and I never lived at the other places. Thanks

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 2022-05-26
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Macys Department store 's XXXX Department failed to issue a refund due to customer for a duplicate order made in error by their ordering department back on XX/XX/XXXX. The duplicate order consisted of 6 XXXX chairs that were sold by a third party supplier, shipped by XXXX and delivered to our residence. The total for the order was {$930.00} of which {$850.00} was the subtotal for 6 chairs, {$130.00} is the shipping fee titled " fee '' on invoice, tax was XXXX. Merchant ( Macys ) promised a full refund including taxes & fees ( shipping ) upon return/refusal of merchandise but has yet to refund the shipping charges as promised. After numerous attempts between XX/XX/XXXX and XX/XX/XXXX to resolve this issue with the merchant, on XX/XX/XXXX finally a callback was returned by a service agent following up with the case confirming that it's been successfully processed. Again on XX/XX/XXXX I spoke with a supervisor named XXXX in the XXXX  department who confirmed again the credit has been submitted manually, will take about XXXX days to post, but to date - XX/XX/XXXX the balance of {$130.00} is still showing on the account which did not reflect the promised reversal. The order number referenced is XXXX. 

It took the merchant 2 months to finally process the refund for the 6 chairs made in their error, and we are now continuously having to dispute the shipping charges after 7-8 attempts via a combination of calls and correspondence to get in touch with their ordering and credit department servicing teams hearing the same promise. It is now almost 3 months past the initiation date ; it appears that the credit department is completely disconnected from the ordering team and none of the departments within the company is taking responsibility or assisting the consumer to get this cleared. This constitutes as unfair trade and fraud by the company wrongfully charging the consumer which should be escalated to financial bureaus. I've attached all the key documentation and conversation threads that leading up to this while attempting to resolve this matter with the merchant. Please look into my case carefully and contact the company for fair resolution. Thank you for your assistance to this matter.

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 2022-03-23
Company: Healthcare Financial Services, LLC
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I need you guys to not take the XXXX out of my account and that I better not have any charges from u guys bc I didn't realize that I used to use you for another company n I don't like ur service so please don't take no money off my card n what ever u took from me needs to be back on my card thank you

Company response to consumer: Untimely response
Consumer complaint received 2015-11-18
Company: Ditech Financial LLC
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Ditech Mortgage held my personal mortgage check ( mailed out the end of XXXX, 2015, for the XXXX XXXX, 2015 mortgage payment ). On XXXX/XXXX/15, when I called and they were unhelpful and clueless when I told them I mailed it in and transferred me to different people in customer service to keep telling my story over & over again. I got no advise so I said I would pay it online to have proof of my payment. The next day, XXXX/XXXX/15, XXXX mortgage payments were taken from my checking account, the check payment and on-line payment. They were holding my check at someone 's desk at Ditech and cashed it when I called in. I want my {$12.00} fee payment back that I was forced to pay online. To require someone to make XXXX mortgage payments in one month does not appear to be legal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-24
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They keep calling me and threatened me that they will sue me for the funds I owe Sharing my personal info to other people

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 2016-05-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
ECSI XXXX., based in XXXX, PA, services my XXXX loan There have been at least XXXX instances where they conveniently delay the processing of my timely-made monthly payment, so that an additional {$10.00} late fee is applied.

Company response to consumer: Closed with explanation