BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX our house was heavily damaged by Hurricane Irma. We contacted our mortgage company Wells Fargo and we were told that due to the fact that we were in a disaster area, we could defer payments for up to three months with no fees or damage to our credit score and that any payments we missed would simply be tacked on to the end of our mortgage. 

We had damage in excess of {$40000.00} and insurance only covered {$14000.00} of it so the rest was out of our own pocket. With Wells Fargo 's blessings, we then skipped XXXX and XXXX 's payment and resumed our payments on XX/XX/XXXX. We only took two month of deferred payments instead of the three Wells Fargo offered. 

In XXXX we were again told that our loan modification had been approved and that we would have the two mortgage payments we missed tacked on to the end of our loan. 

Every couple of weeks we get notices from Wells Fargo 's Home Preservation Department and we call them to find out why our loan has not been modified yet. They have repeatedly told us that we need not worry, that our modification would go into effect XX/XX/XXXX. 

Our loan still has not been modified. We have gone through five different representatives assigned to us by Wells Fargo and each one promises us it will be taken care of and then it isn't. 

The newest one is now telling us that no, they are not going to live up to their prior promises, that adding the payments to the end of the mortgage is not on the table. They have sent up a massive package if information demanding bank statements, pay stubs, tax returns, and lots of personal information. They have sent this to us six times, and each of the prior times, they told us not to worry about it when we called to ask why we needed to fill out the paperwork.

The representative now assigned to us never picks up the phone and her voice mail is full to the point that we can not leave a message for her.

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 2018-04-02
Company: U.S. BANCORP
State: CA
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 rewards from credit card

Complaint:
I had a credit card with them for the longest time. When I tried to use my card end of last year, I had all sorts of issues. They kept declining my transactions. I'd call in then it would get cleared. I wasted so much time with this. I probably went through 5-6 times on this. Finally, this issue seems to be resolved but I had alot of issues with it. I feel fair compensation is in order. 

Also, when I used my rewards, I had to cancel XXXX nights. The hotel manager promised me that my rewards will be reissued but I have no gotten those reissued yet. They were XXXX pts per night at a hotel in XXXX XXXX, XXXX. I booked XXXX nights but had to cancel XXXX nights.

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 2018-04-02
Company: Regional Management Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
regional XXXX XXXX  refuses to provide me with a statement of my account so that i can determine what my payoff amount is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I first called on XX/XX/XXXX to let them know that there was a fraud through western union. There was money transferred in the amount of XXXX to XXXX, and i have no clue where that is. I spoke to a supervisor on this day and she stated it was a inside job and I will have the funds within 7-10 and the police would be involved. I then received a letter from my bank that the fraud charges that i called about and was refunded to my account would be taken away due to western union stating that it was mine. On XX/XX/XXXX I then spoke with another supervisor that the fraud case was not done properly by the first supervisor and he would submit the fraud claim and i would receive my money wthin 7-10 business once again. Throughout this time frame i have spoken to at least 8 reps and 3 supervisors and this has yet to be fixed. This is going on 4 months and I want my money ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are writing this in hopes you can help keep a family in their home. Please get Freedom Mortgage to properly review our loan for assistance options. The issue started in XXXX 2016. I had to leave work for almost half the year to recover from a XXXX that was necessary but we just couldnt have been prepared for. 

My family did what we could to make up the difference while I was recovering. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX  and transunion  credit report shows false information that does not belong to me

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After numerous attempts to obtain my credit file failed, I downloaded the XXXX request form and mailed it certified mail. I received only my XXXX  file and a post card addressed to me requesting a copy of my drivers license, utility bill, insurance documents, and/or bank statements. I am XXXX years old, and maintained residency at the same location more than 30 years. No company name appears on the post card only address XXXXXXXX XXXX XXXX XXXXXXXX Tx XXXX. The information I provided on the form was sufficient for XXXX  and I find this request abusive and harassing.

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 2021-09-02
Company: Regional Management Corporation
State: GA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Eastern Account Systems of Connecticut, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX I have been disputing a debt with XXXX XXXX XXXX for a termination fee of {$150.00}. I was charged this fee after speaking to two representatives that said I would not be charged a fee at all. I tried to dispute this for months and was told that they are aware of the representative telling me this but tried to make it hard for me to remove it from my account. I asked numerous times for this debt to be deleted before it was sent to collections. On XX/XX/XXXX I spoke to someone claiming to be a supervisor at XXXX ( ID : XXXX ). I was told that the charge would be reversed and she would stop it from going to collections.I asked for a letter or email to be sent to summarize what we went over for that call and was told that they would not be able to do that. However, on XX/XX/XXXX I saw that there was a charge to my credit report of {$150.00} for the collections sent from XXXX to Eastern Account System Inc. I called XXXX once again and found at that they did balance my account to {$0.00} but they had not made any attempt to stop it from collections because it was already sent to collections in XXXX which I was not told on the call from XX/XX/XXXX. I was told to call collections to handle it with them. I called XXXX again XX/XX/XXXX to check my balance and realized that it was closed out and told them it had been sent to collections. I was hung up on twice by two different representatives! When I called collections on XX/XX/XXXX, I was told that XXXX  has not cancelled the collections attempt and they would send over a notice to XXXX to verify this information.Though the collections agent did tell me that they usually update them daily. Today, XX/XX/XXXX I called the collections agency to check the status of the charge and was told XXXX has yet to respond to the notice. I have been trying to dispute this fraudulent charge since XXXX and have been lied to by XXXX numerous times. I am upset that it was taken to collections despite numerous phone calls where it was confirmed that the representative said I would not receive a termination fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
- I made extra payments to may loan principal.

- But the payments were not applied to the principal - Several of the extra payments were automatically allocated to late fees.

- Ally 's electronic payment system automatically allocates funds first to the payment ; second to outstanding fees, and third to the principal.

- Ally policy states that customers may request over payment fund applied to principal - I called and emailed Ally the first time it occurred and stated that I would like the over payment allocated to the principal. I chose this because paying off the principal faster allows for less interest and finance charges. 
- But each time I called, Ally would reallocated only a portion of the amount from late fees to the principal. 
- The process would also take so long that the reallocation would cross another payment and I would have to call again to get the over payment allocated to from late fees to principal ; and once again Ally would allocate less than the amount allocated. 
- As it stands, Ally has not applied {$980.00} ( {$770.00} ) to my account at all. The funds were removed from late fees and not reallocated on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called USAA credit card. Told them about the issue we have been having. Had the XXXX  with XXXX in XX/XX/2020, lost job in XX/XX/2020. 
I was paying and since Texas was affected by the winter storm, we didn't have any electricity for a week and it was during the time I needed to pay the payment. ( XXXX XXXX XXXX ) Dates Plus our bank account didn't have any money because, the unemployment is sending the money. Plus we were waiting for a check from our thrift fund. The social security wasn't there either. 
All I was asking for was a {$25.00} late fee. 
I really think USAA is messing with there customers. 

USAA says on the phone that they are willing to work with you if you are having a hardship. 
Well I even told that to them and they didn't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: Westlake Services, LLC
State: NY
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:
Westlake Financial Services has consistently misreported to my XXXX   and XXXX  reports multiple times. 

On my XXXX  my score was dropped 45+ points on or around XX/XX/2018 and again on or around XX/XX/2018. 

They have passed the FCRA requirement of updating payment information for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. They have also disregarded the weekly calls I have made every week since this issue has occurred. 

I also would add that Westlake Financial was supposed to give a financial hardship credit in XX/XX/2018 but instead Westlake Financial didnt  apply that forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Due to working for a company that shut down I am a XXXX year old man without a job and within 3 weeks of living on the streets. I managed to pay all of my debts except for one remaining cable bill. The company I owe is XXXX XXXX. I owe them XXXX for my last months cable bill. I am getting daily calls from the collector. They always call and hang up when I answer which forces me to call them back at which time they go into their spill about attempting to collect my debt. The way they do this is tricky because they always call and hang up causing me to always have to call them back. It 's a form of trickery and I am tired of getting called daily and being hung up on. I am trying to find a job so I always call a number back to make sure I am not missing a job. I received a usual call yesterday X/X/17 mid morning. I explained to them nicely that I would try to make a payment by the end of next month and a fellow who calls himself " XXXX '' said that was n't good enough and I will have to do better or the calls will continue. I received another call today from the number XXXX, the usual hang up when I answered. I called the number back and it was XXXX again. I asked him if I was going to continue getting these harassing calls everyday, he said yes unless I resolved the debt. I admit I was furious, towards the end of the conversation he said something like " You do n't care about your credit '', you can actually verify what he said because it was being recorded. I did call his company which is Central Credit Services, LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Toll Free # XXXX. I called the number and again actually got XXXX so it must be a very small company. I asked him to speak with a manager and he said they were all busy right now, I asked if the company name was the above company and he did n't want to tell me. Again, I assume I was being recorded so you can verify this. He finally placed me on hold for a manager and after a long period of time came back on to say all the managers were busy and I would have to try back another time. I understand I owe this debt. I am XXXX years old and have paid my cable bills for over 40 years with never a problem until I lost my job and can not seem to find one. I am scared I am a few weeks from me and my wife being on the streets. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now have an XXXX XXXX so this is going to be very tough on me as well as my wife who has a XXXX XXXX. I realize my personal situation does not matter, but just so you know where I am coming from. I hope to resolve this all soon, but am certain the collection calls will continue. Thanks for your help. 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 2020-05-15
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by telephone from quicken loans by a representative named XXXX XXXX on XX/XX/2020. He started in on a spiel about refinancing and told me he was going to do a number of things including looking at my credit profile he did not ask he told me. I did not understand that he was going to do a hard credit pull as I would never agree to that period I received an experience and notice through email while he was talking to me and I questioned if he had done a credit Pole and after a while he stated that he did. I told him I did not authorize this and I want of it off my credit report immediately. He did not reply or comply my request. I filed a dispute with experient today over this issue. I have requested that quicken loans not ever call me for any reason at all yet they still do. I have had don't lock in the past talking with any representative of quicken loans/rocket mortgage. I want does hard credit pull off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I ask wells Fargo bank to lower the interest rate on the car loan that I got on a XXXX  XXXX XXXX I only owe {$5000.00} left to pay it off but having trouble with money issues so the bank said to me just finish paying it off that there not going to help me on it so how do I go about that cause that is the only vehicle I have to take me to my doctors appointments and to get my medication so how do I go about this issue

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 2020-10-15
Company: Experian Information Solutions Inc.
State: NC
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 been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, XXXX, and Experian and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Experian XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2017-08-04
Company: The Regional Adjustment Bureau, Incorporated
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I was informed I had an account in collections with Regional Adjustment Bureau since XX/XX/XXXX. I was never made aware of this loan or this debt upon leaving the school.This debt was sold to RAB from XXXX XXXX XXXX. I attended this school in XX/XX/XXXX and was unaware of this loan. I was aware of the XXXX XXXX, but no additional loans. This debt has not appeared on my credit file and when I spoke with XXXX from RAB on XX/XX/XXXXand asked him to verify the address and the phone number they had on file for me, he gave a relatives address in which I have never shared and a phone number which belongs to an old friend, that has never belonged to me. I then requested verification of this debt so I could rectify it and restart with the school, I received something other thanverification and have been receiving 5 or more phone calls a day and voicemails that are 3 minutes long  where the representative is not talking but I am able to hear the other agents in the background talkin to other customers, I am able to hear the a rep in the background verifying another customers information, and further requests for verification of this debt have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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