BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When my mother passed away a few years ago, my brother and I needed to establish a trustee account in order to pay lingering bills. We did so with Wells Fargo, who, in view of the fact that my brother and I barely speak and have no trust in one another, the bank recommended a " joint/and '' account, which would require both signatures in order to write checks, move funds, etc. The bank required copies of Mom 's will/trust account etc for verification that all funds were to be distributed equally, with which they were provided. 
I have recently discovered that my brother was able to cash out and close this account, without my knowledge, consent or signature, for the full value of the remaining funds! 
The bank has stated that this account " did not need to be monitored '' ... and that they take no responsibility. 
What is the purpose of this account if it is not monitored? Why was my brother allowed to effectively steal the money? 
I work in retail ... if we sell a product that does not work as stated, we offer a refund. This account, which was suggested for both of ours ' protection, clearly " did not work ''! The bank XXXX, I am at a loss, and they tell me to " get a lawyer '' and sue my brother! 
In my eyes, the bank is at fault, and owes me half of the money but they refuse to compensate me for their misconduct. HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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 status incorrect

Complaint:
I recieved services from XXXX XXXX XXXX XXXX, Georgia in the amount of {$150.00}. I was referred to XXXX XXXX  XXXX. I paid the entire bill on XX/XX/2020. I have a receipt of the paid bill from XXXX XXXX. I contacted XXXX  XXXX  XXXX  to inform them that the bill was paid. They said they would look into it but never responded to me. XXXX continues to report the bill as unpaid. I contacted Equifax to dispute the bill. Equifax provided me with the I instructions to dispute the bill. I provided Equifax with the information they requested. I recieved a letter from Equifax saying they can not find my file but continue to report XXXX XXXX as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Issue: Late fee

Complaint:
Since I opened this account for my fiancee 's engagement ring with wells fargo I have made payments exceeding the minimum and if I worked overtime several payments a month. then in XXXX and XXXX this year I made XXXX payments in early XXXX and Early XXXX, but for some reason they refused to recognize the XXXX payments and charged me a late fee and did not credit me with any payments in XXXX stating I owed XXXX dollars with a 25 dollar late fee. They have been unwilling to recognize the payments or waive the late fee at this time. I make payments the day my pay checks come in every other week and hope to get the billing cycles moved to recognize the paycheck that arrives during the first 10 days of any given month will be gauranteed to be recognized on the billing statements since they seem to shift when the cut off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS is claiming that I owe them {$60.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

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 2016-05-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In short, my home was foreclosed upon due to a divorce where my ex-wife would not sign any documents related to the foreclosed home. I understand that the mortgage company is not responsible for that. Regardless, of the circumstance, the foreclosure falls on me. The court proceedings for the foreclosure were concluded over two years ago ( XXXX/XXXX/XXXX, Court Case # XXXX, XXXX XXXX ( MD ) XXXX XXXX ). The property was transferred to Wells Fargo on XXXX/XXXX/XXXX ( according to XXXX Property records ). The property was then transferred to HUD on XXXX/XXXX/XXXX ( according to MD Property records ). Wells-Fargo has left the foreclosure as open and active all this time. Their contention is that the foreclosure was not final until they improved the house for HUD to accept. I know that the house was not in the shape that it should take two years to rehabilitate to living condition. I do not believe that I should have to wait all this time for Wells-Fargo to make what little improvements were necessary for HUD to accept the home. Additionally, the house was conferred to HUD in XXXX of XXXX. Yet, the foreclosure remains open and the account is being reported to the Credit Bureaus as being delinquent.

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Delinquent account

Complaint:
I keep getting collection notices from Wells Fargo Bank for amount due at the time apprx {$11000.00}. I keep asking for signed receipts to see if I really owe the money. All I get back is according to our records I owe the money.

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 2015-06-02
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying monthly mortgage payments to Rushmore Loan Management S,ervices on a regular basis for years. Recently I have used XXXX online payment service for this purpose. Rushmore claims that they have not been getting the bank transfer funds and threaten me with numerous phone calls at all hours. My bank records show valid fund transfers. I am unable to talk to reliable Rushmore employees , usually their phone numbers do not answer. I do not want to jeopridise my mortgage, but do not know how to proceed. Please advise
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX months ago I got a payday Loan with Ace Cash. I got XXXX extensions with them. I was about to make a payment and went into their website to do so. I could not log in to their site. So I called and the customer service person told me that they no longer gave pay day loans in Maine and that is why I could n't. So I asked her if I could make payment arrangements with her and she said no I am sorry. I might add that I had XXXX more times I could make payment arrangements. She said that they would be debting the full amount of the loan which was XXXX on the XXXX I said i could n't pay that and she said well stop payment on it and we will make payment arrangements with you. I did just that. Now I realize that they broke their contract with me and probably charged me for non payment and I know for a fact it is on my credit report for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Thaxton Investment Corporation
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple phone calls through the day starting at XXXX and ending sometimes at XXXX EST. Multiple visits to my house and today I was blocked in the driveway by the collector and I told him to leave or I would call the police. These house visits are common and have asked them to stop doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Try to use my u.s. Bank ReliaCard they said my account was suspended I called on the XXXX  they said they were updating their security I needed to send a picture of my driver 's license front and back and a selfie of myself did that waited two days on the XXXX of XXXX that asked me for the same thing again I called them on the XXXX because that's my unemployment money and that's all I have to feed me and my family they said I had to wait another two working days until they can identify my selfie with my license I've never had trouble with my card before don't understand why they have a hold on my card anyway and they will not release my unemployment money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BMW Financial Services NA, LLC
State: TX
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:
I was a victim of identity and someone tried to buy car in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern this complaint is in regards to XXXX XXXX reporting to my credit file for acct # XXXX. I have never received an initial letter allowing me to dispute this account and its inaccuracies pertaining to me supposedly owing this dept. Upon doing further research I discovered that XXXX XXXX is NOT bonded in the State Of California with Californias Secretary of State to attempt to collect debts on behalf of any creditor. It is illegal to do so if you are not bonded in this state. I am requesting that said items be deleted from my XXXX XXXX, and XXXX credit files immediately sice you have no authorization to do bussiness or operate in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX, I paid off my chase freedom UNLIMITED credit card with {$1800.00} on the full balance of {$1700.00} plus interest-leaving a credit balance of {$29.00}, as shown on my XX/XX/XXXX statement. 
After having verified that my credit card was paid in full, I requested additional card for my daughter, XXXX XXXX XXXX on this account. I did not receive the card for a while, and requested again electronically in the chase mobile app. Then I received 3 identical copies of the same account number in my daughter 's name ( I live in the same address as my daughter since pandemic started in XX/XX/XXXX ) .When I got my next bill in my app, it showed a purchase of {$730.00} from a certain XXXX store in XXXX XXXX, New Jersey on XXXX XXXX. I then asked my daughter if she made the purchase-to which she replied that she had not even activated the card yet. Neither me nor my daughter had ever been in that store, and so I called the XXXX right away, and told the customer representative ( name is XXXX ) that this purchase was not an authorized purchase, and hence a fraud. I told him that my daughter had not even activated this card yet, to which he replied that this type of card did not need activation, and was ready for use upon receipt. ( This is poor security protocol because if someone else got hold of this card when the mail was in transit, he or she could just literally go to any store. ) I was then told that they would investigate this, and that I had to wait for the result. Meanwhile, the purchase was deleted during the investigation process. 
On XX/XX/XXXX, I got an email stating that the transaction was valid ( copy herewith ) and that I am obligated to pay. I immediately wrote them a letter by post ( copy herewith ) reasserting that such transaction was never authorized by me nor any of my authorized user, and requested CHASE to furnish me a copy of the documents that they used as basis in the investigation, why they believe that the charge was proper and not a fraud. 
On XXXX XXXX, they replied by email ( copy herewith ) that they have reviewed this case and that the transaction was valid, and I am responsible to pay for this-and the case is closed, without giving me the proof that I had requested. 
Hence, this complaint wherein I am required to pay for item/items ( do not have a receipt of the fraudulent purchase ) that I did not purchase in the " XXXX '' store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-28
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX 2016, my husband and I were pre-approved by XXXX XXXX Mortgage to purchase a property located at XXXX XXXX XXXX, XXXX PA XXXX. We made an offer which was accepted. A closing date was scheduled for XXXX XXXX. The property was listed by XXXX XXXX of XXXX XXXX in XXXX PA, XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX. Our real estate agent is XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX The following bank entity signed the addendum : XXXX, or Rushmore loan management services, who appear to be represented by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX We submitted an earnest deposit of {$4000.00} to the bank owner entity on behalf of XXXX XXXX. 

On XXXX XXXX, the mortgage application went to underwriting and the mortgage was suddenly denied, based on the same documentation and information with which it was pre-approved. The mortgage company claimed that they did not know that my income was only part-time, and once they found out just before closing, they pulled out of the loan. 

Our earnest money deposit of {$4000.00} still has not been refunded to us. The listing office XXXX never answers the phone or returns my voicemails. 

Today our real estate agent told me that she was able to get in contact with XXXX. XXXX XXXX told her that the bank entity rejected refunding our earnest money deposit because a commitment letter had already been issued by XXXX XXXX Mortgage, and that the bank entity considers our mortgage to be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
since XXXX/XXXX/2015 ( DYCK O'NEAL Keeps calling, I get a call everyday to every other day to maybe XXXX days. I have a print out of the phone calls coming in. I have them blocked on phone because it happens so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
BECAUSE OF THE COVID-19 I AM REQUESTING XXXX TO CANCELATION OF CREDIT CARD EFFECTIVE TODAY XXXX TO IRS XXXX AND REMOVE ALL CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
They had me pay XXXX installment to assure I would pay them, but and then I would get the Loan plus get my XXXX reemburst but I never did

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
My wife has been harrassed by XXXX from Kinum, IncPhone : ( XXXX ) XXXX on several occasions. When I attempted to call he was extremely rude and eventually hung the phone up on me. he threatened to get the money through my job at the XXXX XXXX XXXX at the time. He sent a text to my cell phone with his phone number. I addressed the issue with our insurance company and they are processing the claim for payment to the original medical provider. XXXX is extremely rude and aggressive and should not be allowed to communicate in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: I.C. System, Inc.
State: TX
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:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I opened a checking account with Regions Bank XXXX, SC. I gave them a check from a local bank for {$1500.00}. I was given a Debit card which the banker said was good now. When I tried to use it that night it was declined for a {$.00} senior drink. I called customer svc but closed. Called next morning and was told there was a 10 day hold put on my check and the local bank did it. He said the Main ofc did it. He released the hold. My daughter, an attorney, said it is against the banking laws to put a hold on a local check.Then the main bank in XXXX, AL sent me an email and regular mail letter saying they put the hold on the check because " they had confidential information that the check may not be paid ''. The bank on which I wrote the check said they could not get that information. I talked to the Branch Mgr of the XXXX XXXX  and he gave excuses why they put the hold.on. I had enough in my account to pay that check and it was paid that night. I want something to be done so they do not break the law again.

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