BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My parents took out XXXX life insurance policies many years ago. I did not have any info on these policies. I was contacted by XXXX XXXX, the company the policies were with. They told me that I needed the bank to complete a Release of Collateral Assignment form on each policy so I could take possession of them. The bank that had originally had the collateral assignment was no longer existing. I did a XXXX search to find what bank currently owned the assets of the original bank. Wells Fargo is the current holder of these assets. I have tried repeatedly to get the local branch to complete the forms and they will not. They will not put me in contact with anyone higher up in the company except one man who has done nothing to help. They say that they have no way of contacting their corporate office. They say they can not ask anyone at the regional office other than to put me in contact with the one man who has done nothing. They say that since the branch is a retail branch, they have no authority to help me. I offered to show them my documentation proving Wells Fargo bought the bank that had these accounts, but they did not want to see. They would only look back 7 years on their computers and say they could n't find the accounts. When I told them the accounts would have been bought a lot longer ago, they claimed that they had no records of assets further back than 7 years. ( As they are a bank, I did challenge them on this, to no avail. ) I need to have these accounts and in order to do that, Wells Fargo must complete and sign the Release. of Collateral Assignment on each of these XXXX policies. 
The policies are all from XXXX XXXX and the policy numbers are:XXXX XXXX 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 2022-10-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a XXXX party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX XXXX which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX  Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no 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 2016-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citizens Financial Group is improperly assessing fees for Regulation D. The letter of the law clearly states that this regulation governs transfers " made by the depositor and payable to third parties. '' Citizens has assessed me and presumably all other depositors a XXXX dollar fee for transfers made WITHIN THE BANK. Please prosecute them to the fullest extent of the law, and assure that the citizens of the XXXX are refunded these millions of dollars in illegal fees which have been levied by the bank. Feel free to contact me by phone or email if a copy of my statement is needed showing proof of their illegal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-05
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Call from Wells Fargo XXXX on XXXX/XXXX/2015 Saturday XXXX about a payment made though my attorney for XXXX/XXXX/2015 XXXX for XXXX which was the wrong amount was provided - {$50.00} off for mortgage that is still in dispute as they have failed to answer a QWR ( twice ) yet have forcefully made me take a loan modification ; and even at that the amount was still incorrect ). It was paramount in the first few minutes of the XXXX minute call that the Wells Fargo Representatives were clearly uninformed. What I find odd is that the VP and Higher level personnel at Wells Fargo have said there is a XXXX day grace period on payments without penalty. Especially they said on this case. That was said in court in XXXX and has been the same ever since. They have been made aware of my attorney and have now been placing calls to me versus him. They say they have no record of representation even after XXXX years. They have now done this XXXX times. They say there is no record of anyone telling them that. Phone calls come from all over, California, Texas, Iowa, South Dakota, North Carolina, etc. XXXX gets a XXXX phone number to call back but then it is rerouted to someone else to regurgitate the story again only to be told they do n't see anything. This IS PHYSICALLY DEBILITATING AND CAUSES MAJOR ISSUES ( XXXX ). This is my only bad account and it stems from Wells Fargo misapplying payments and then hiding money. They have now sent XXXX refunds to me yet they say I am not paying my bill. Good reason is they do not even know how much I am supposed to be paying. Clearly they are not held accountable nor are they help liable to the FDCPA, FCRA nor Dood Frank measures. When will someone take on these " can do no wrong '' giants and do the " simple '' right " accurate and legal '' thing for consumers?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan with Wells Fargo. I tried to set up automatic payments greater than the required monthly amount and was told that Wells Fargo does not offer that option. I was advised that I should set up an automatic payment from my bank account and the additional payments would be applied to principal ( as I believe they should be ). The first automatic bill pay from my checking account was made to my student loan with Wells Fargo on XXXX XXXX, 2015 for {$50.00} and the full amount was applied to interest. On the surface to me, this seems like an unfair and deceptive practice on behalf of Wells Fargo. Additionally, the Wells Fargo student loan website ( https : //www.wellsfargo.com/help/faqs/student-loans ) notes customer serivce times of M-F as well as Saturday, but when you call on Saturday you are told to call back during regular business hours between M-F.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo strongly suggested that I open a business credit card account in order to maintain some features I had. I never requested they connect it to my consumer checking/savings. Why would you do that since the IRS frowns ( rightly so ) on co-mingling funds. Historically I kept enough of a balance in my saving in order to cover any overdrafts from checking. This happened and Wells Fargo covered the overdraft from the business card-a set up I never requested. It should have been easy to fix. Remove the charge from the credit card. Make a transfer from savings to checking to cover the amount. Why link a business card to a consumer account? For years I covered any overdrafts from savings. 
The txt files attached are text sent by WF secure email. I can only copy text before sending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In the year 2000 I paid and closed a equity line of credit, and Citizens Bank never notified the Registry of Deeds in XXXX XXXX in the State of Massachusetts I had to pay {$77.00} to record this discharge which I feel the bank should have paid for the discharge. In the cover letter nothing ever said or implied that it was up to me to have this document recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I changed jobs and we got a little behind paying our mortgage with Wells Fargo. We saw an advertisement in our mortgage statement that we could call in to Wells Fargo and qualify for a reduced payment plan that would extend our payments out further but with lower monthly costs. I spoke to XXXX XXXX on the XXXX and she encouraged us to stop paying our mortgage and provide our pay stubs and monthly bills listed to figure out our best restructuring of the lower monthly payment. We spoke back and forth during a six month period during which we asked if we should be paying something on our mortgage and she advised us not to pay because it would alter our payment calculations. After six months were up we were served with foreclosure notice. We worked extremely hard to catch up our payments and save our home. I called XXXX XXXX back and she informed me that we were not in the home for a full year when asking for this program, that we did n't qualify in the first place. As the result of historic flooding during XXXX XXXX XXXX, we lost all correspondence and proof of the events that took place. I called Wells Fargo in the last six months and they informed me that XXXX XXXX no longer worked for them and there were no documents to support my claim.Every call was advised to myself that we were being recorded and were we alright with this, now they claim they have no recordings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Approx 1 week ago I was notified by my per diem " employer '' that i was taken off of the roles, and would no longer be needed to stay on per diem status, and no full time positions were open. Today, I received notice from a collection agency ( Transworld Systems ) that a {$250.00} balance has been reported to the collection agency against my credit for un-returned uniforms. One week is not enough time to return uniforms, when the home office is over XXXX hours away. The uniforms were returned at this time, but the report of collections is still on my credit. Before this time I had not been notified that I was " taken off the roles '' until the employer called me to pick up some shifts, and then she noticed i was removed for being inactive ( not picking up any shifts recently ). So in 1 weeks time I found out I was done there and that the collection agency had taken action. No notice was given to me to return the uniforms, nor was any attempt made to notify me. This should not be reported on my credit. The items have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Arbor Residential Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a first time home buyer. I bought my house XX/XX/XXXX and I just received a shocking bill of paying back into an escrow account. My payment was lowered to {$2100.00} XX/XX/XXXX I called and was told twice that I was paying everything I needed. I have my payment auto drafted and now they want me to pay almost {$13000.00} or {$3900.00} a month when my payment is & XXXX. Seneca mortgage is a scam and is unfair. I called and asked about this issue not once but twice and was told everything was fine. As a first time home buyer I would like everyone to know I feel cheated and lied to. I would be careful with Seneca mortgaging. They do n't tell you the truth. I was not told what I need to be told that my payment was incorrectly being collected. I asked I should have been told. Everyone is not able to payout all at once or have their payment raised. I was with XXXX with my loan and had no issues.

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 2016-12-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016 account reported by XXXX and the original creditor was XXXX XXXX XXXX XXXX XXXX with a balance in the amount of {$500.00} was removed from my credit files and reinserted on XXXX XXXX, 2016 under PHNX Financial services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Genesis FS Card Services, Inc.
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 information incorrect

Complaint:
FEB - RETAIL continues to report inaccurate information to all credit bureaus. When I dispute the payment history they update the late payments to new a new month and year. I have disputed multiple times with the creditor because the information is simply inaccurate and for them to change the dates of when the payment was late every time I dispute is proof that they have been reporting inaccurate information on my credit report. 

According to Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ), this is a violation to my rights as a consumer, and I ask for this account to be either removed from my credit report or the payment history be cleared for reporting inaccurate information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Other

Complaint:
I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/2015, I sent money through Moneygram to my brother in XXXX XXXX XXXX for my mother and family for the XXXX holidays. As of today, Moneygram has not released the money, ruining my family 's XXXX holidays, etc., saying that our names are XXXX names and that my brother in XXXX, which is a very peaceful country, may have XXXX. They say the transaction is under review but they have not been able to provide me with details of the review and evidence that his name is tied to some organized extremism when I ask. I have asked for a refund several times to send the money directly to my sister or mother but they refused. Reps I have spoken with have given me numbers inconsistently for my brother to call from XXXX, but those numbers do n't work and Moneygram agencies in XXXX are unable to call for him, citing link issues. I have asked Moneygram to call my brother directly to obtain whatever information they need but has refused to do so thus far. I need my money with interest and compensation for all the calls to and from XXXX. Thank you for your assistance and cooperation. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: AMCOL Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I ha2d insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to XXXX XXXX, so why are they both contacting me. And AMCOL SYSTEMS INC is continuing to attempt collections on dates of service that matches PROFESSIONAL XXXX along with identical monetary claims. I 've been told by AMCOL SYSTEMS INC If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an XXXX visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 2015-12-08
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had made a payment with my credit card to settle the debt owed. I have sent a copy of my credit card statement to ERC Collections showing my payment but they say their system shows no payment. They have wrongfully reported this to the credit bureau even though I have paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief