BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got a car a XXXX XXXX XXXX from a XXXX dealer in XXXX XXXX area in XX/XX/XXXX and the vehicle was the approximate cost of {$12000.00} XXXX XXXX miles on it. XXXX dealer indicated to me that I would have to pay like 10.5 or 11.5 interest-rate when I was told by Wells Fargo gave in my information I just paid off my student loan XXXX {$9000.00} off and I had very little credit and they said they will work with me Wells Fargo and the XXXX dealer. I end up with a 16.99 interest rate I cant pay for it now. I decided just get in the car because a hassle to me and the lady who help me with the loan gave me her fax that she will give me 11.5 I was surprised at this rate I half I told them about it they wrote me a letter stated this is the rate they gave me I said no I feel that you are racially profiled me and you discriminate against me and you lied, Wells Fargo. So I voluntarily told him then have the car cause I couldnt pay for it and the repairs at XXXX miles. They wanted me to sign a piece of paper that I will voluntarily give them the card. And I decided not to sign the paper when I got the information back it was so many fees die oh more for the car that I paid into the car. I believe this is a scam by Wells Fargo the predatorily lead against me with this car they try to help me out to give me two missed a couple payments is XXXX a month and its crazy Im on XXXX to and I dont know what to do? They will be charging me on XX/XX/XXXX XX/XX/XXXX I have to pay for three XXXX with late charges XXXX continues from the day I decided to give up the car so the current balance is XXXX XXXX delinquents charge XXXX collection repossession fees will be {$470.00} then another describe miscellaneous fee {$45.00} and the reason we procession amount of this is due XXXX XXXX then it says contactContact payment due XXXX delinquents charge it at XXXX collection fees again for {$470.00} insurance nothing another miscellaneous fee is XXXX then it says amount due at the date of notice will be XX/XX/XXXX XXXX. XXXX additional then they said every day when I have to car I will be charged all these fees until the car is sold not tell me this is not a gimmick. This is Wells Fargo plan to sell property yesterday told me this is Wells Fargo dealer service. My name is XXXX XXXX XXXX XXXX.My cell number is XXXX my address is XXXX I did my best to try to work this situation out with Wells Fargo this company is a joke I dont like how they treated me and I dont like how they harassed me and Im very serious how they treated me as a customer so can you please help me with the situation.

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 2019-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am submitting an official Complaint through a cfpb investigate XXXX XXXX. also know us Wells Fargo Bank in regard of my mortgage the new allegations are they are the investor, creditor and or note holder I would like to clarify the nun have not been a victim off the fake account created by Wells Fargo. 

Loan # XXXX XXXX XXXX My last 4 digits of My S.S. XXXX B.O.B XX/XX/XXXX MY ADDRESS : XXXX XXXX XXXX XXXX Florida 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 2018-02-02
Company: Account Resolution Corporation
State: IL
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:
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: The CBE Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from THE CBE GROUP , INC . I had previously disputed this account. I have never done business with THE CBE GROUP , INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that THE CBE GROUP, INC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that THE CBE GROUP, INC Cease and Desist all further communications and collection actives and provide the  verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX. 
Those dates are reporting on my account as being late but they werent and when I spoke with the company they assured me they would be updated in XXXX or XX/XX/XXXX, they were not, I spoke with someone else in XXXX and they said they cant be updated after theyve been put in. Im disputing that they were paid late and would like my account to reflect that. The account has since been paid off, but I still want the information to reflect the on time payment history.

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 2020-06-05
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX  sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: FL
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:
Bummed that the Experian Dispute portal is still down. I have mentioned this when I have called recently. There are many addresses that are on my report that are not being reported to Experian they are not accurate.

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 2021-03-30
Company: INDEPENDENT BANK CORP.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I tried to receive a PPP loan from Rockland Trust. This is the second draw loan for my business which has been shut down since XXXX of XXXX due to Covid-19. I originally applied for a second draw PPP loan in XXXX once Rockland Trust began accepting requests. I am a sole prop seasonal business under the SBA guidelines released. I was approved for a second draw PPP loan on XX/XX/XXXX. Around this same time the Biden administration released updated guidance for sole props allowing them to use gross income instead of net income to calculate their loan amount. This change would significantly increase my loan amount. My loan officer, XXXX XXXX and I made the decision to not continue with the second draw and instead apply under the new guidelines resulting in a loan amount around {$23000.00} vs {$8500.00}. Once guidance was released to banks, I submitted a second draw loan application immediately. The only change I made from the initial second draw application was using gross income instead of net income to determine the loan amount. In this application I used the sole prop seasonal business calculation worksheet provided by Rockland Trust. After many weeks of back and forth since most reviewers and loan officers at Rockland Trust do not understand the SBA guidelines, I was denied for my loan today stating that sole props can not be considered seasonal businesses. Rockland Trust had already approved my business for two loans under the seasonal business calculation. They have also dragged their feet up to the deadline ( XX/XX/XXXX ) to process these applications. I am now being denied my loan unless I consider my seasonal business non seasonal. Rockland Trust is making up new rules on the final day of the loan eligibility deadline in order to refuse service. I have business accounts with Rockland Trust and have had nothing but issues with Rockland Trust and the PPP loan process since early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
As I had mentioned in a previous complaint against TD bank, despite the fact that I have had a Direct Deposit account for Social Security XXXX with TD Bank for more than ten years they have continued to deny me consideration for a credit card or auto loan or mortgage loan resulting in me being forced to experience continuing difficulty in business, employment and in making it through a day to day existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have bought a property by owner finance and I can not get them to put mortgage on my credit report. I have paid it on a timely manner for 4 years and still not reported on my credit.

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 2021-05-23
Company: Webcollex, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CKS FINANCIAL THIS IS REPORTING ON MY CREDIT REPORT AND THE INFORMATION IS INACCURATE, I NEVER HAD THIS ACCOUNT IT WAS REMOVED OFF MY REPORT AND RECENTLY ADDED BACK ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: MI
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:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from XXXX XXXX. On XX/XX/18 I sent a certified letter to XXXX XXXX requesting proof of " written authorization '' by me with my signature to pull my credit. XXXX XXXX  failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have XXXX XXXX  run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion XXXX XXXX is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and Equifax report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that XXXX XXXX is liable for a monetary fine if they fail to provide such documentation. XXXX  and Equifax are liable for the monterey fines as well for reporting unverified information.

https : //www.ftc.gov/policy/advisory-opinions/advisory-opinion-landever-10-12-99

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
OnXX/XX/2019, I paid a Chase Bank money order # XXXXfor a deposit for an apartment # XXXX at XXXX XXXX/XXXX XXXX, XXXX. 
for {$100.00} for a deposit for # XXXX apartment towards move in rent. On XX/XX/2019 -- 3 days later, FTC and AZ Consumer Protection Laws -- 3 days are within cooling off period-right of recession ) I called XXXX XXXX to cancel and drive by and pick up my {$100.00}. I told XXXX XXXX, XXXX, and told her this is consumer fraud and a violation of the FTC and AZ State Consumer Protection laws for the cooling off period. XXXX XXXX, XXXX, said to call XXXX XXXX XXXX @ XXXX, left a message with the Supervisor, XXXX. Haven't heard back. I then went 0n XX/XX/2019, Chase Bank Branch in XXXX on XXXX to place a stop on my {$100.00} money order. XXXX banker told me he saw that the transaction for money order # XXXX on his computer and it was in process and he couldn't stop it. I said that means it hasn't been paid. He said right. I demanded Chase banker to stop the payment now!! On Chase money order that I paid {$5.00} for out of my checking account on XX/XX/2019I told him to place a stop now!! Get me the supervisor! Chase banker chose not to place a stop and indicated on the money order " terms and conditions '' that says '' Placing a Stop Payment on a Money Order-Sender, that is ME, can place a stop and have the item reissued back to me the sender.Chase went against my authorization ( robbing me ) to pay XXXX XXXX. Consumer fraud. On my money order, on memo, I wrote " DEPOSIT # XXXX towards move in rent '' I did not move in and called on the 3rd day-right of recession-FTC cooling off period. I want {$100.00} of my money back NOW from CHASE BANK! My money was to go for rent as stated on " memo '' Deposit {$500.00} towards move in rent. Chase needs to reverse {$100.00} and charge back XXXX XXXX dba XXXX XXXX back into my checking account. That is my money and CHASE BANK can do reversals. Consumer fraud by CHASE BANK AGAINST ME.I paid for something I didn't get by Chase Bank. Reverse the charge now. Consumer fraud by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-08-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for an Amazon store card on XX/XX/21 and instead of the store card I received a Amazon Prime Rewards Visa. It was the wrong card and I contacted both Amazon and Chase and they both said to go to the credit bureaus because it was out of their hands. I keep filing dispute after dispute and it is being rejected. I never applied for this specific card. Now I have a closed account because it is the wrong card and I do not use it and closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 I had about {$190.00} in my Wells Fargo checking account. There were no posted check that day for {$300.00}. I checked my account frequently and there was nothing posted so my account still had money in it. There wasn't even a pending transaction for that {$300.00} check at all. The last time I checked my account on XX/XX/2018 was right before midnight. There was still no check posted and I still had about {$190.00}. At about XXXX today XX/XX/2018, I saw my account was - {$100.00}. No big deal, I will get the money into my account before XXXX to avoid an overdraft fee. I went to the ATM at about XXXX in XX/XX/2018, before the XXXX grace period was over, to deposit {$100.00} into my account only to learn that Wells Fargo has already charged me an overdraft fee of {$35.00}. I looked at my account online and it is stated that the {$300.00} check posted yesterday on XX/XX/2018 when that is not true at all. The check posted today on XX/XX/2018 but it says differently online. I find it unfair and a lie that Wells Fargo has done that. They insisted the check was posted on the XX/XX/XXXX when it did not show up on my account until today, XX/XX/XXXX. Wells Fargo refuses to refund the {$35.00} overdraft fee ( I don't make a lot of money so {$35.00} is a significant amount of money for me ) stating that the reason is because of my history of overdrafts. I may have overdraft more than once with Wells Fargo, but I managed to to bring my balance to at least {$0.00} before XXXX. Yes, I wish Wells Fargo would refund my money, but I find it much more alarming about the unfairness of Wells Fargo stating a check was posted on a day before it actually was posted as well as the unfairness of stating I have a grace period up until XXXX to deposit money to avoid an overdraft when in all actuality it wasn't given 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 monetary relief
Consumer complaint received 2019-01-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello I attended XXXX college inXX/XX/2018- XX/XX/2018 as you all know XXXX  closed down. I have been trying to get a discharge on my loan for as I did not use any of my loan money also I have a federal student aid loan of XXXX and only XXXX  was used and I'm unsure where the rest is. I have been trying to get information through navient on how to discharge my loans and the forms I need to send to dept ofeducation. I have called and called and no one picks up. I have talked.about how I could get the money from the loan if I have to repay it back at least I'll have the money and bbe able to take my education else where. I'm confused a single mom of XXXX  and work.hard to pay my Bill 's I'm already struggling and this is making it harder on me and my family not only did my education get ripped from me, everything else will too when I have to pay money back that I didnt even use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: First Advantage LNS Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thank you for helping with this CFPB. 

Ive attached a false move out statement that has been effecting my credit score. 

The collection agency claim that I own late fees and accumulated a monthly rental charge for a apartment unit i was no longer occupying. 

In order for this move out to happened I had to follow the leasing terms contractually and report directly to the property managers in the required 60 days to indicate I was no longer going to be living in the rental unit, hence a move-out statement and not a eviction notice within the 60 day notification. 

The property confirmed, I moved out on the confirmed date with my moving van receipt attached and security footage of this day can be retrieved for evidence. 

1 year, 7 months later I was being held accountable for a error the property made in the amount of {$4400.00} Please review promptly, I would like this to be closed and resolved case. 

Many Thanks

Company response to consumer: Closed with monetary relief