BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have a personal loan with One Main Financial in the XXXX, NJ location. I have asked them in the past ( request sent and verbalized to XXXX at the XXXX, NJ location in XX/XX/XXXX to refrain from calling me at work as I can not receive personal calls ). During this time XXXX assured me my work number had been removed from the account and I 'd no longer be contacted. Recently I missed my XXXX XXXX XXXX payment and informed XXXX and XXXX with One Main Financial that I would be out of work on temporary XXXX XX/XX/XXXX. XXXX stated he would notate my account. Yesterday XXXX called my cell phone from XXXX. She called my work # from the same phone number mentioned but did n't say anything. And then placed another call to my work number again leaving another message. I called XXXX back after being notified by my coworker a bill collector named XXXX called from One Main Financial. I was also forwarded the voicemail. I called XXXX with my husband on the line. I asked why did she call my work number when XXXX was informed in XX/XX/XXXX/XX/XX/XXXX to remove my work number. She replied, I just left a message stating her name and number. I told that was not true that she did mention the name of the company and this is how it was confirmed as a personal matter - not work related. XXXX replied, oh yes I did call but I do n't see where your work number was removed/flagged. After discussing the status XXXX said there was a flag on my account but it was done incorrectly. I explained XXXX was previously notified of this and my simple request was not being adhered to and it 's off putting. I explained to XXXX XXXX did n't have any money to make a payment as I 'm waiting for my XXXX payments. She stated she needed a payment because I had to be out of work for 30 days and not eligible for the insurance I pay for instances such as mine- temporary XXXX. She also stated she did n't want this to go into another month because she did n't want to go into what will happen. I felt threatened and even more XXXX while trying to recover from XXXX. I explained I would be out of work for a minimum of 8-10 weeks. Said she would make some paperwork out to me but I needed to pay at least {$260.00}. I have XXXX XXXX medical conditions and do not need additional XXXX. I was embarrassed as now my personal business has been exposed by this happening. It truly needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28
Company: Global Payments Check Services, Inc.
State: NJ
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
when making a purchase at XXXX in XXXX nj, I wrote a check. XXXX contact global payments check services inc for authorization, they declined authorization without reason. I contacted Global who refused to give a reason and informed me they also ran credit checks for check authorizations. Global never asked for authorization or permission to run my credit. Global also acts as a Credit Reporting Agency and collects their own info on people which they base their authorizations on. They refuse to give reasons for declining a check and says they do not correct any info because they do not speak to individuals when they decline to authorize a check. Global Payments Check Services Inc. needs to be investigated for their collection of info and compiling of credit reports that they base their decisions on. Global Payments Check services Inc should be fined for the unauthorized credit checks they run when contacted for a check authorization. Global Payments Check Services Inc appears to be trying to circumvent laws and regulations when it comes to consumer laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CASHCALL, INC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a XXXX-Cash call-XXXX loan. I obtained this loan in XXXX 2012. I pay {$480.00} a month. It was a {$5000.00} loan. After XXXX I have paid in & gt ; {$8000.00}. I thought it was a XXXX month loan at 100 % interest ( I was desperate at the time ). I called to check my pay off and was informed the pay off was about {$5300.00} at 116 % interest and 100 % daily interest with a XXXX month loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Penn Credit Corporation
State: NY
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:
The Department of Social Services paid my XXXX XXXX XXXX XXXX when I was laid off. I have since moved and have been paying back the Dept. of Social Services for this. I received notice from Penn Credit collection agency in stating I owe XXXX XXXX. I sent them a certified signature required letter with copy of confirmation of Dept. of Social Services making payment and requested they remove from my credit report and to correct this information on their end. Rather than do that they again sent me only a request for payment, even though they signed the certified letter from me. I called and they started yelling I owe them money so I stated I was filing a complaint with CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
credit reporting companies reporting XXXX late auto payments / should only be 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 2016-10-23
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My company XXXX. Received a XXXX check from our customer in the XXXX. The monies were frozen because the loss prevention dept did no like it and was suspicious. Wells. Fargo tried to return the funds XXXX times but the buyer ( sender ) bank refused it. We put pressure on Wells and so they called in the FBI for support. As a result, the funds are still there. The buyer will always refuse the funds. And Wells is keeping the money. My question is. Can they hold funds forever. We asked them to return it if they can. The sender will hand deliver the fund if he has to. Sincerely. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I went to CVS to send money via MoneyGram Payments Systems , Inc. on XXXX XXXX, 2015. I paid {$300.00} cash, of which {$9.00} was transaction fee, reference # XXXX. The money was intended for my mother, XXXX XXXX, in XXXX. When she went XXXX XXXX to the designated bank in XXXX, they informed her that the money was never transmitted. She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX, I contacted MoneyGram about the problem. They told me that my name was incorrect, even though my receipt shows my name accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The names I have are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX did not provide a name ). The call lasted over XXXX hours. The last person, XXXX, opened a case, provided case # XXXX. She said she would give me a call after they investigate. They also said that " someone '' had requested a refund, but refused to explain what they meant, who it was, when it was, or any detail. At this point I was highly suspecting FRAUD. 

After 5 days, I had not received any call, so I called MoneyGram again on XXXX XXXX and spoke with several people, once again being transferred repeatedly. They ended out telling me that I would have to wait up to 3 weeks for resolution. They still have never called, not once. When I called again various dates they were unable to provide any information. They said they would assign a single agent to investigate, but they did not provide a name or contact or any confirmation. Later, they increased the time for resolution to 90 days! During my calls with MoneyGram, customer service was downright terrible and unprofessional. Repeatedly being transferred to persons that could not help, and long hold times was very frustrating. The last agent, XXXX, to whom I spoke with would not transfer me to the escalation department even though I had a case number. Instead I had to re-explain my whole situation again. Then I was transferred to a supervisor named XXXX, who did not offer any kind of apology, provided the same canned responses, and then suddenly hung up on me when I said I was not satisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18
Company: National Credit Systems,Inc.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I did not received the proper information on the validity of this debt. I am now requesting additional information for the debt to be disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm filing a complain against Wells Fargo Home Mortgage and the Real Estate Settlement Procedures Act ( RESPA ) which allows WFHM to collect for a minimum required escrow balance in addition to the funds we collect for your property taxes and homeowner 's insurance ( yearly ). For California, the allowable minimum requirement is 2 months of escrow payments. This would be considered a WF requirement as RESPA allows for us to do so. Well, my wife and I makes over $ XXXX/year last year and we have to pay {$2100.00} monthly mortgage based on 4.5 % APR. I strongly believe that the minimum 2 months balance is highway robbery. I was wondering what is CFPB is doing about. I have e-mailed my local XXXX. Congressman, XXXX XXXX, to start a bill in XXXX to repeal this act as it hurt XXXX of strong middle-class Americans like my wife and I. I might take it further to my California XXXX. Senators and also to XXXX XXXX Obama also. Thanks, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I have contacted XXXX, and Equifax online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to XXXX, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my parents are both deceased. they left house behind and the house still has a mortgage. my XXXX sisters were living in the house and were not paying the mortgage. I called Ocwen after my XXXX sisters moved out the house. I was advised by Ocwen that if I paid the back notes the mortgage monthly note would still be {$480.00}. Ocwen advised me to file for a loan modification and while waiting for a decision from the loan modification I did n't have to pay the monthly note. They would add the months to the mortgage end date. I was denied three times. Each time Ocwen kept telling me to apply again. Well, XXXX months went by and me and my family are living in the house. So Ocwen offers me a re-payment plan two days before the Sheriff sale. Of course I adhered to the offer. Heres the offer : {$7000.00} down payment and 11 payments of {$1500.00} and then everything would be caught up and the note would go back to {$480.00} per month. Now Ocwen is claiming that I owe them {$2700.00} in fees and other cost .... and the new monthly note is {$1200.00} Ocwen are scam artist. Please advise me of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: WELLS FARGO & COMPANY
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a Wells Fargo student loan that went into collections years ago. I have been on a payment plan with them for several years now paying {$350.00} a month. The statements I receive just state thank you for scheduling your payment in advance and when it will be withdrawn -- with no balance etc. The last payment was made on XXXX XXXX and paid the loan in full. I have spoken several times with Wells at XXXX who verify the debt has been paid off..I have asked for a letter they said it could take several months and they are waiting on an attorney. I never received a letter that it was paid off -- I happened to call to see what the balance was ... I called the attorneys office at XXXX and they said they have no instructions on this and referred me back to Wells Fargo. I feel like I am getting the run around and if the debt is paid in full I would like that represented on my credit report. I tried disputing through all XXXX bureaus and it is still registering a XXXX balance and still in charge off status. When I called to ask why Wells is saying until they get paperwork from attorney ( which I have mentioned knows noting about this ) they can not show a XXXX balance..If it is paid in full in XX/XX/XXXX why cant I get this updated now?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Zachter PLLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX P ( XXXX ) XXXX XXXX D ( XXXX ) XXXX F ( XXXX ) XXXX www.zachterlaw.com This law Firm is representing the high interest loan company XXXX XXXX XXXX XXXX NY, I took a business Loan 5 years ago while I had a small business before It collapses 3 Years ago and i wasn't able to continue the Loan payments because i wasn.t able to afford without working. 
After years hard working and study while I am now start working and getting a paycheck and rebuilding my life this law firm put hold my personal bank account and denied me to access my paycheck and they are trying to kill my XXXX, Hence I am begging your to get your immediate assistance to help me to enforce this firm to release the hold on my account and I can feed my family, I haven't denied As I took that business loan years ago and they could have approach me to discuss the payment arrangements since I am working now instead of doing this illegal action By holding Paycheck and putting the XXXX  life in danger, This is UNITED STATES OF AMERICA, I don't think if there any law supported that someone can hold 100 % people 's paycheck and send them out to the street. 
I am expecting your full support on this Matter! 

Best Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
These XXXX accounts keep getting re-added after being deleted. i have provided the XXXX for the XXXX account and the FTC ID Sworn Statement for the XXXX card account. 
Name : XXXX XXXX Acct # : XXXX Name : XXXX XXXX XXXX Acct # : XXXX These inquiries below are not mines and I have asked the banks directly to delete inquiries. I did not authorize dealer to make all these inquiries to my credit report. I even requested that in my email more than once not to submit deal to any banks. 

Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 This is a fraudulent inquiry. 
Inquiries XXXX XXXX XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries null/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : :XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We mailed full payment of {$67.00} due  X/XX/17    to Target on  XXXX . Due to two federal holidays that week, payment was received and posted by  Target  1 day late. We were out of town for 3 months and did not have mail forwarded as we pay all our regular monthly bills electronically so we did not see notice that Target received our payment  one  day late. Cumulative fees were charged each month until we returned home on  X/XX/17    and found a bill in the amount of {$96.00}. This was only for late fee s (  late fees on top of late fees each month  )  even though  Target   received payment in full in  XXXX . I contacted Target several times and finally spoke to a supervisor who said they could not waive the late fees even though payment was made. I sent a letter appealing to  Target  headquarters that this seems unfair and excessive particularly since bill was paid. I received no response. We pay all our bill on time, in fact we pay early and are proud to have an excellent credit rating. Target reported this incident to the credit bureaus which undoubtedly will impact credit rating. I feel this practice of charging late fees after a bill is paid is unfair and excessive and impacts our credit rating and we paid more in late fees than the actual bill even though they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Through Wells Fargo Mortgage we applied for a pre-qualification letter to get a mortgage for {$35000.00}. on a conventional loan for investment. We have all the monies in a Chase account for the 20 % down payment and Closing. They have approved our income, but state that some of the monies are going into our Wells Fargo personal account from our Wells Fargo business account and this was a problem for them and want me to liquidate {$17000.00}. in funds from a retirement account which would involve up to 30 % in taxes penalties and fees. An appraisal was done already and I was not advised of any problems prior to spending the money for the appraisal. We also have plane tickets that are not refundable. The money for the down payment and closing costs for this purchase came from the sale of o condominium in XX/XX/XXXX and sale of a house ( financed by Wells Fargo ) in XX/XX/XXXX lessoning my monthly payments by over {$2000.00} Now I am looking for a mortgage that will be about {$1000.00}. per month. I pre-qualified with XXXX XXXX at the same time but decided on Wells Fargo because we have been banking with them for years. I do n't believe they are following guidelines while processing my request. If they do not approve this loan I would like to find out how to get reimbursed for my expenses which are several thousand dollars are this point. I feel they have taken way to long in coming to their decisions which are not final at this point.

Company response to consumer: Closed with explanation