BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle and obtained a loan but shortly thereafter ran into some unexpected expenses. I fell two months behind on my payments and have received multiple calls a day at both my work and on my cell phone after I made contact with a representative of the lender and told them my situation as well as the date, this month, I intended on paying the past due amount. The calls are excessive, and when returned are often not answered. XXXX now when I have had my calls answered I 've been verbally attacked by Wells Fargo representatives. Once, I asked to speak to a superior. When I was made to wait for forty minutes and finally put in touch with someone, they hung up on me when I asked if I could record the conversation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This concerns complaint # XXXX. Wells Fargo has submitted a response to you that is not true. We were forced to sign documents that the Federal help that came through Keep Your Home California was in fact a modification from Wells Fargo. It was either we sign or the Bank would return the funds to the Federal Government and foreclose on us. It was not an empty threat. Wells Fargo responded to Consumer Financial that they clarified to us that the funds from Keep Your Home was not a modification. That is not true. We had to sign documents that it was a modification from Wells Fargo. We do n't know where to go from here, we had other concerns that Wells Fargo did not respond to you, but they did negatively respond to us. We would like very much that Consumer Financial turn this case over to a Federal agency for prosecution of Wells Fargo for destroying our lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
I requested My 2 credit reports with my ID and utility bill. I received a reply stating that my consumer report can not be furnished until I provided additional identifying information. I complied with the request and sent my driver 's license, social security card, and a utility bill ( electric ) and I received another reply asking for identifying information again. I have been requesting my 3 credit reports and I have yet to receive what is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have not been able to find out any information on my mortgage account for years. 
Every time I try to speak to someone to someone At Wells Fargo concerning my account they give me a story. They say I am in litigation of someone else is on my account and they ca n't speak to me. They have had me locked out of my account for years. I have been served with foreclosure papers, but Wells Fargo would not allow me to qualify for the needed 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 2016-08-22
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My mortgage line of credit monthly payment will go up, XXXX 2016, from {$350.00}. to over {$850.00}. This is a payment I can not afford. Without any success I reached out to PNC to come up with a mutual solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Stellar Recovery, Inc.
State: VT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When I signed up for XXXX I agreed on a one year contract that was what the lady said on the phone with me. I never missed a payment the whole year and when I decided to cancel due to the fact that it kept going down they said I had to pay a fee for not staying with them for 2 years. I called and disputed that till the guy on the phone got very vulgar and demanding.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had XXXX bank accounts with PNC Bank. I closed them in XXXX this year. I used online statements. When I went to access my statements they were no longer available and the bank wants to charge {$10.00} a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BYL Collection Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: SLM CORPORATION
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
When I applied for a Sallie Mae loan I was given three different repayment periods : 10 years, 15 years and 30 years. The repayment period dictated how long I had to repay and in addition affected my interest rate. When I originally applied for my loan, I selected the option for a 30-year repayment term for lower monthly payments, in exchange for a higher interest rate. However once I entered repayment, my interest rate was still for a 30 year loan, but my " estimated payoff date '' is ten years from my " repayment start date ''. As a result, my payments are calculated based on 30-year repayment period interest rates and a 10-year repayment period. There is no way ( to my knowledge, or under my own investigation ) to change my " repayment start date '' nor when I requested a promissory note or reviewing my own documents there was any indication of how long my loan repayment period is. When I asked Customer Service for this information, they could not provide it to me either. So, the basis of my complaint is that my payments are much higher than they should be and that I have paid much more in interest because my payments are calculated using 30-year repayment term interest rates in a 10-year repayment term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX. I received a vehicle from XXXX ( I live in XXXX ) that I purchased from XXXX in XXXX. The vehicle arrived without a temporary plate. When I asked the dealership about this, they said the plate blew off in transport. The transport driver stated it did not have a plate when it was picked up. My loan was financed by Consumer Portfolio Services ( they were fined XXXX XX/XX/XXXX by the FTC ). For several months after I received the vehicle, the dealership would not send me the title and registration. XXXX got involved, but apparently the dealer did not own the car when I purchased it and CPS knew this and accepted the loan. On XX/XX/XXXX CPS sent a letter to the dealer that states they failed to perfect the lien within XXXX days and CPS is demanding the return of the monies. The dealer informed me that CPS told him I defaulted on the note which I have not. I missed a car payment and pay extra each month to make up for the payment I missed. Now the dealer is telling me he will be repossessing my vehicle because I am in default but I am not. CPS has colluded with the dealer to commit fraud as they knew the dealer did not own the car when they agreed to accept my loan. Now my car is being repossessed and I have paid my notes. CPS was fined by the FTC for these types of practices and now I am losing all of the money I invested. I have made several attempts to contact CPS regarding this problem but have not been put through to the right manager. I need someone to contact me before I lose my car. Both the dealer ( XXXX XXXX ) and CPS committed fraud. I need someone to contact me immediately so I can determine who is in the right or wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called Sallie Mae to request forbearance while I change jobs, battle with medical issues and bills, and come up with a plan to repay my loans that will be effective because I am experiencing a current financial hardship. I spoke to a gentlemen who said he could do nothing for me unless I paid {$800.00}, that day and then he would help me. I could not afford to do this, which was the reason for my call in the first place. I eventually spoke to another gentlemen who said he could do a 1 month forbearance for me while I tried to get my feet back under me. Everything went normal and he took my good faith payment of {$150.00}. He told me that I should see the forbearance on my account withing 24 - 48 hours. It has now been 120 hours and no forbearance. In addition, Sallie Mae 's policy is that if you are denied forbearance, they will apply the {$150.00} to the loan. This still has not been done. I have also not received any information regarding if I was accepted or denied for forbearance. Essentially, they have just taken my {$150.00} and done nothing with it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX I sent money to a friend through MoneyGram. The MoneyGram representative at CVS was not able to complete the transaction because of lack of funds at the store. The CVS representative tried to split the payment between cash and a money order. The CVS  representative completed the transaction three times voiding all three transactions. After realizing CVS could not complete the transaction my friend went to XXXX to complete the transaction. XXXX informed my friend that he had exceeded his transaction limits. I contacted MoneyGram and they informed me that I would get a refund I could not correct CVS  's issue. They told me that the information was in the terms and conditions but it was not available when I signed online to send the money to my friend. On XX/XX/XXXX approximately 4 hours after the transaction I contacted my bank and MoneyGram to get a merchant reversal authorization. MoneyGram refused to do the merchant reversal authorization and told me it would be 3 to 10 business days from the date of XX/XX/XXXX. Both CVS and XXXX who represent MoneyGram we're unaware of the 3 transaction limit. The CVS manager felt bad that she had made the mistake that she did and could not get it corrected through MoneyGram either. It would appear that MoneyGram is trying to earn the interest off the money that was sent while I am left without the money and my friend is unable to receive the money. The lack of disclosure for the three transaction limit per day clearly violates some rule somewhere and weather at your agency or another agency can do something about this I will complain until they make it very clear to all their representatives that represent their company the rules and regulations and which is you applied to those thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been enrolled in the IBR program since finishing graduate school XX/XX/2012. I have followed protocol flawlessly during that time. This year, however, due to an exceptionally busy schedule of work, travel, and moving, I missed the re-enrollment deadline by under a week. My servicer NelNet acted quickly, informing me that the interest accrued during the last year ( over {$25000.00} ) would be applied to my principal balance. Now, I fully admit to missing the deadline but what I find incredulous is that there is no way to appeal this decision or negotiate what essentially works out to be a penalty as is commonly done in business and loans. It 's laughable. The best the customer service agent could do was offer me a phone call from a supervisor sometime in the next couple days, and could n't even confirm the number I should expect to receive a call from nor that the supervisor would leave a voicemail in the case I was unavailable to answer. I understand that the impetus is on the consumer to keep abreast of policy and plan details, but the fact that there is absolutely no avenue to appeal or flexibility in any matter is borderline predatory. Also, as the agent confirmed, I can only receive electronic OR mail correspondence. Not both. That alone is baffling. It is also severely decreasing the likelihood that this loan will ever be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo ( WF ) was my bank for a period of over 10 years. During these years WF had my trust and was my banking institution. More recently this trust was shuddered by WF on my finding that certain accounts were opened with out my permission and my knowledge. On my informing this to WF managers and I talking to press representatives about my situation I was quickly pointed out by the management of the bank for closure of all of my accounts dealing in a personal and business level. Over 13 accounts were closed by WF in an act of retaliation of reporting illegal activities by the bank. The closure of account has a cost of purchasing hundreds of dollars and staff time to re organize my banking systems. Retaliation and the reporting of wrong doing should not be a reason to close a customer bank accounts. Yet WF did.

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 2015-03-24
Company: WELLS FARGO & COMPANY
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
There are two components to the bank fraud that I discovered this morning. 
1 ) Wells Fargo changed my corporate bank account number without advising me. 
2 ) A customer attempted to send me an electronic payment last Friday via ACH. I never received the payment. After contacting Wells Fargo, they explained that my bank account changed. I then attempted to determine when this changed by looking at the previous bank statements. When I pulled my XXXX XX/XX/2015 bank statement from their online banking system the statement reflected the NEW account number. I then pulled a copy of my XXXX XX/XX/2015 statement from my local drive which I had downloaded back in XXXX. The XXXX statements ARE DIFFERENT. Meaning, that the Wells Fargo Online Banking system is displaying incorrect banking information to their consumers ( i.e. fraud ). It is not clear because no one has investigated this whether this is the result of fraud, weak internal controls in their IT process or some other reason. No consumer should assume that the information they are receiving from Wells Fargo is credible or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo established a savings account for me and my husband and told us there would be no monthly fees a XXXX DC branch ( at XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX ). That was 4 years ago. Despite that they began charging me a monthly fee. We complained and they reversed the fees and stopped charging us. That lasted a couple years ... but this fall they began charging us again. When I called Wells Fargo they said that we were given incorrect information and that all their accounts have fees. We were basically lied to repeatedly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card
Issue: Other

Complaint:
See the attached information from WELLS FARGO FINANCIAL NATIONAL BANK - I have NEVER opened a credit card with this " bank '' or had any other account with them until XXXX XXXX of XXXX XXXX, TN put my car purchase through the Wells Fargo Dealer Services that is located in XXXX, Colorado. I want this removed from my credit history and if it has affected my credit I will personally sue them and it will hit the world news. Apparently they are still scamming people and I will not tolerate this.

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 2017-02-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted SunTrust Mortgage to advise that they were no longer reporting on my credit report. I was advised that they do not report to the credit bureaus because they did not have a letter of reaffirmation on file and that I would need to reopen my bankruptcy case from XX/XX/XXXX and sign a letter of reaffirmation. I advised and sent SunTrust proof that they report on my credit report until XXXX as shown on my credit report I pulled in XXXX. I also, sent the recent credit report from XXXX to show they stopped reporting, and a copy of my bankruptcy petition showing that they were aware of my bankruptcy and electronically served through the registered agent at the time XXXX to come to the meeting of the creditors.

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 2016-02-12
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX POSTED AN ACCOUNT ON MY CREDIT REPORT AND I NEVER RECIEVED A LETTER OR A CALL REGARDING THE ISSUE. I HAD NO IDEA ABOUT THE ACCOUNT UNTIL AFTER THEY POSTED THE ACCOUNT ON MY CREDIT REPORT. I WAS NEVER LATE WITH THIS ACCOUNT AND I SUBMITTED A 45 DAY NOTICE OF MOVING OUT TO THE APARTMENT COMPLEX. NOW THAT I FILED THE DISPUTE ON MY CREDIT REPORT, XXXX RECIEVED MY PHONE NUMBER FROM THEM AND LEFT A VOICEMAIL STATING PERSONAL AND PRIVATE INFORMATION. THEY STATED IN THE VOICEMIAL REGARDING A DEBT WHICH VIOLATES MY PRIVACY. THE PHONE NUMBER THAT XXXX CALLED ME FROM IS XXXX. MY ISSUE IS WITH PRO COLLECT VIOLATING MY PRIVACY AND NOT PROVIDING DOCUMENTATION OF A DEBT WITHIN A TIMELY/ LEGAL MANNER.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Applied to Suntrust Mortgage on XXXX/XXXX/16 to refinance our Suntrust Equity & existing Mortgage w/Seterus XXXX. The existing Equity expiring XXXX/XXXX/16 with a higher interest rate Plus a Revolving Line of Credit Fee. 
A check for {$500.00} was written for an appraisal, We received our contract via XXXX everything was moving along fine, Suddenly XXXX XXXX was not returning phone calls, We received a letter from XXXX XXXX Banks requesting a third copy of our personal information and was later told XXXX XXXX was no longer with Suntrustt and could not find all the files previously sent. At this point we decided to refinance with XXXX XXXX and was told the appraisal was no longer valid and another appraisal was required. 
. Thank You,

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 2016-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charge several overdraft fees for checks that the bank did n't list on the account on the same date however posted as it was. I was told by customer services representative that if by XXXX is not posted on the account that 's the latest it could show up. In the last month this situation have happen XXXX times incurring in {$35.00} charge per transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-25
Company: WELLS FARGO & COMPANY
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I lost my job and was unable to make payments of my student loan. I have XXXX loans through Wells Fargo, and apparently XXXX went to collections, despite all XXXX being due on the same day. When I was asked for clarification on this, I was given none.

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