BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-05
Company: Genesis Lending
State: WA
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 attended XXXX College, a XXXX College in 2012 and was set up with a private loan through Genesis Lending. As well as a Federal Loan. I received no state help and left responsible for a large balance, attending a school that treated their students with no respect. They were welcoming and polite when recruiting you to attend their school but once they stuck you with a large debt and received their money, the politeness was out the door. There were so many promises and guarantee 's made with no follow through. I struggled to make the payments while I was in school, this was something I was not informed of until I started receiving bills and told if I did not pay or made a late payment I would be pulled from class and not allowed back until my account was up to date. Any time you showed up a few minutes late, miss a day due to a funeral or when I missed a few days due to an illness in which I provided a doctors note XXXX, I was threatened to be kicked out and the administration always brought it back to how much money is being provided to us for being there. I finished with straight A 's and a huge debt I struggle to pay but make sure I never default so my credit stays in tact. Dealing with the lender has been a nightmare. I am set up for auto pay to avoid dealing with the lender. Often they do not pull on the scheduled date which turns into many calls in XXXX day harassing me to pay my bill. It 's not my fault they 're system is messed up and I do not appreciate the calls. Multiple times they charged my account XXXX, they point the finger and claim to not be able to reverse my payment. My interest rate is ridiculous. I was told the lowest they ever give anyone is 12 % no matter what your credit score is. I 've contacted the school many times to receive paperwork they 'd promised to provide and after many attempts, they have yet to deliver my request. I recently received a letter that Genesis is transferring my loan over to XXXX. I would never recommend anyone to XXXX Colleges.

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 2015-05-18
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
the college I was attending was XXXX XXXX which is closed three weeksago. I had a private loan with Genesis Lending Company about XXXX andI am still paying for it even after the college ceases its service. So I amlooking for help to stop this payment and get a refund for all thosepayment I have done for more than a year.

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 2016-03-14
Company: Automated Collection Services, Inc.
State: NY
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:
My school loan went into collections a few years ago, XXXX ( XXXX XXXX XXXX XXXX ) was the first to contact me in XXXX XXXX after my bankruptcy closed a few months earlier. I have since made arrangements with them for repayment. I was also contacted numerous times by mail, phone and even my work place from ACSI ( Automated Collection Services , Inc ) which started about 2 months after XXXX contacted me. ACSI had NO accurate, up to date information on me, I had requested multiple times by phone, in writing for information on the loan they claimed to be collecting on-I never received any return calls or emails with this information. In XXXX XXXX I received a notice for wage garnishment from ACSI, I filled out the forms asking for a hearing, mailed back to them certified return receipt XX/XX/XXXX, they received it, but I have not received ANY updates or contact from them since. About a week after I sent the garnishment forms back a NEW collection agency-XXXX sent me a letter claiming to be collecting on the same exact loan as ACSI and threatening to take my federal tax return-again NO confirmation of the loan information. Both ACSI and Performant claim it is from XXXX XXXX XXXX ( I consolidated my loans with them after completing 1 year in school ) In contacting XXXX XXXX XXXX it was brought to my attention that ONLY XXXX handles the collections for XXXX XXXX XXXX. My Federal return for filing year XXXX has been confiscated with no advanced notice of this happening. I have not heard from ACSI or XXXX regarding any collections processes since XXXX, I have never received any confirming information on the loan they claim to be collecting on, the amount they claim I owe is equal to 5 years in school ... I went into a certificate program which was 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A couple of years ago I took out a loan from a company named Cash Central. They ceased communication with me about a year ago but within the last few months XXXX XXXX XXXX has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX/XXXX/XXXX, I contacted XXXX XXXX to refinance my current home owner 's mortgage and obtain cash back. I took advantage of their Nationwide advertisement since both my husband and I are XXXX veterans. I spoke to XXXX XXXX, Account Executive, XXXX XXXX, XXXX. He again initiated a new application, although, I already had a previous application with one of the loan specialist name, XXXX. During our phonecon, XXXX XXXX ask me questions about my loans, whether we were veterans of the Armed Forces, employment, financial, income, interest, etc. I provided him information to include the mortgage which was paid off to Wells Fargo in the amount of XXXX in XXXX XXXX, XXXX, on our XXXX, Hi former residence. After the mortgage was paid off with Wells Fargo, I contacted the Wells Fargo Home mortgage department and informed one of the representative to ensure that my credit report was updated. XXXX XXXX told me to hold on so he can check my credit report, then he returned and informed me that my loan was denied. I inquired as to why the loan was denied, and he told me that it shows that I was 120 days late and in foreclosure with Wells Fargo. I informed him that I was not in foreclosure, and told him that the mortgage loan was already paid in full. Wells Fargo failed to update our credit report upon my request in order to remove the 120 days and foreclosure in the credit report which is currently affecting our credit scores and preventing us from obtaining a loan in order to refinance our joint current mortgage which we have been paying in " Good Faith. ''

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 2016-09-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan and the escrow account was established XXXX XXXX, 2015. In XXXX I was advised my new escrow payment would be going up to {$470.00} from {$310.00}. They have made several errors even paid my insurance company three times in error. I have asked for an explanation and a compromise, their explanations have been from none to very confusing.

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 2015-11-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Wells Fargo to see if they could compete with an auto loan offer I received from a credit union. I was assured that they would be able to offer a loan at or below 3 %, I made sure this was the case before proceeding with the application. The loan was approved, but at 5 %, rather than the promised 3 %. I feel I was misled into applying for the loan that was not desirable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was informed today the bank was closing my account after a business decision. On Friday this account was placed on hold and I did not have access to the money. The bank has not disclosed the reason for closing my account in XXXX business days. I have tried on several occasions prior to today/ XXXX XXXX, 2015 to obtain information. In accordance the consumer account agreement it stated 'the bank will give notice required by the laws governing your account '. I do not have notice or explanation for the HOLD. I am only told the investigator has made a final decision. In speculation, I have POA for my father and have written check from his account since XXXX XXXX, 2015 to pay the bills from this account. My father was not able to write the checks and I lived in a different location. I did not asked to be placed on this account since I was in hopes of my father would be able to handle his affairs on his own. I tried to put a copy of the POA on file for this account. I was told I would have to open another account and close this XXXX. I decided against that because again I wanted my father to have access and handle his affairs. I wrote checks from my fathers account and deposited the checks in my account and paid other bills from this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Wells Fargo Dealer Services repossessed my car two times. The I was unable to make payments because I was on XXXX and my doctor was negligent in filling out my XXXX forms, which caused a delay with my payments. I sent Wells Fargo Dealer Services hardship letters along with proof, asking for leniency. My car was repossessed for a second time and I was required to pay my remaining balance in full. I tried to inform Wells Fargo Dealer Services that I was on XXXX and my payments were being delayed because of my doctor. Wells Fargo Dealer Services was malicious, very rude when speaking, and unwilling to help my situation in any way.

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
Consumer complaint received 2016-09-04
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There was a court ordered stipulation that the bank is not following. I have been writing to get the account corrected since XX/XX/XXXX and yet they ignore my requests. XX/XX/XXXX, yes XX/XX/XXXX, I submitted another request to have them investigate. I just received yet another letter dated XX/XX/XXXX that they are still addressing my concern and conducting research, however I just received documents for pre-foreclosure. The bank has not properly serviced this loan and is in contempt of court. I need the account corrected to reflect the agreed terms and to cease their foreclosure action until they can update their records properly!

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 2016-05-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Update : Case No. XXXX A letter I overlooked. On XXXX XXXX, XXXX, I received a letter from Senior Vice President XXXX XXXX XXXX of America 's Servicing Company. Enclosed was a XXXX page document at the very end of about XXXX pages. It is called Net Present Value ( NPV ) input Data Values. When you look at lines XXXX to line XXXX, XXXX XXXX does not even acknowledge that I had a HAMP Modification. Of course we all know that 's not true. In a communication from XXXX XXXX dated XXXX XXXX, XXXX, she and Attorney XXXX XXXX, plotted a scam to relieve me of my incentives. I was accused of missing three ( 3 ) payments. And sick and medicated as I was, I believed it. And of course the attorney watching my back would never lie and/ or cut my throat. XXXX XXXX did the closing on my house. The Deed to my house is missing. On line XXXX, Capitalized UPB Amount. That is the exact Principal Balance around XXXX XXXX. It is the exact time that my XXXX XXXX Mortgage payment was mysteriously cancelled from my personal checking account at XXXX XXXX. On my XXXX XXXX, XXXX ASC Mortgage it was the exact time that a negative $ XXXX disappeared, never to be seen again. On my ASC Mortgage Statements from XX/XX/XXXX-XX/XX/XXXX npayments reversal and unapplied mortgage payments are the norm. I have never missed payments on my mortgage until now, and that 's because I do n't even know where I stand as far as this house is concerned. America 's Servicing destroyed my credit. Took the laughter out of my life. Forced me to isolate myself from shame. I was bullied and harassed by the entire ASC Mortgage Preservation team for over 3 years. Maybe it can stop now. I have more to tell. I need sleep right now.

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a victim of ID Theft, I had two accounts from Wells Fargo XXXX XXXX. I would appreciate a letter from Wells Fargo. I would like to find out if I am included in the law suit with Wells Fargo.

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 2015-06-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A company that does n't exist XXXX XXXX XXXX XXXX debited {$300.00} from my bank account. I filed a claim with Wells Fargo XXXX claim number XXXX ) and they issued me a credit. They said they needed my credit report showing that the supposed debt was not on my report. I emailed them the report which clearly shows I have no debt with this " company '' and on XXXX/XXXX/15 they took the credit back. I want MY money back. I received correspondence from Wells Fargo, and they put another customer 's letter in an envelope addressed to me. This is just an awful experience from a company that obviously does n't care about their customers ' privacy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
i was told that after i paid the account it was going to be removed off of 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 non-monetary relief
Consumer complaint received 2016-07-18
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This debt collector calls and comes to my home and harasses me at my place of living..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Paypal opened a line of credit for me by tricking me into opening the account. It was all done online. When I tried to close the account, they said I can no close it. I wanted to transfer money to the account to close it but they are trying to force me to give them my bank account info which I do n't trust them with. They are trying to extort me with late fees and bad credit reports if I did not pay but refuse to allow me all avenues to make payment. BEFORE I was able to transfer money from XXXX paypal account to another to make payment. They have blocked this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: GA
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:
I called Navient in hopes of discussing lowering my interest rate, understanding why there was a sudden increase in my monthly bill, and why after years of no missed payments my total amount owed appears to not be decreasing. When I called to discuss the matter they refused to answer any questions about the increase or discuss lowering the interest rate. Instead, they tried to talk me into deferring my loan even though I reiterated the issue was not in making the monthly payments, but in how the money was being applied. After three years of missing no payments, my loan is nearly double the amount it was when it was started, and if they will not even discuss the matter of the 8 % daily interest, it will never be payed, no matter how long I continue submit timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MO
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX XXXX XXXX {$140.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX AV XXXX XXXX, MO 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 non-monetary relief