BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: J.S Resolution Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 at XXXX pacific time. I received a call from an unknown number. Person left name, XXXX XXXX, stating that if I did n't call them back immediately legal action would be taken & I would be served papers. She left the file #. I returned the call at XXXX pacific time. I was transferred XXXX times. The first person was XXXX XXXX because, I recognized her voice from the voicemail msg. She then transferred me to someone named XXXX. XXXX said my name & asked if the last XXXX digits of my social were # # # #. As I was on hold, I XXXX this company 's name and saw the list of complaints from different consumers. 
When XXXX asked about my social, I replied, " I do n't know you tell me if that is correct. What is this debt about? I know my bills and I know who I need to pay. Can you tell me what is this regarding? '' XXXX replied : " So you do n't know your social? '' I said, " Ma'am, what is this debt about? Can you give me any information on who this debt is owed to? '' She said : " I ca n't give you any information because I need to verify that it is you who I am speaking to. '' I said, " I 'm not going to verify my social security number because, I do not owe any debt collector, and you will not even tell me what this about. '' She said : I am asking you for the last XXXX digits of your social security number. '' I said, " And I am telling you to verify the debt. What is this company that I apparently owe this debt to? '' She said, " So, you 're not going to give me the last XXXX digits of your social security number? '' I said, " I tell you what I will do, I am going to call the police. '' She said, " Fine. '' And she hung up the phone. If she was trying to verify if the person is actually me, why would she blurt out the last XXXX digits of someone 's social security number? Usually when asked to verify your social, a representative from a reputable financial institution will not repeat your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In 2015 I filed for Bankruptcy. .I re-affirmed my mortgage with Wells Fargo Home Mortgage and the paperwork was filed with the XXXX . My Meeting of the Creditors was XX/XX/2015. My discharge was XXXX/XXXX/2015. Wells Fargo instead of showing my payments which have never stopped since the Bankruptcy Began are showing that the mortgage was included in bankruptcy ( XXXX/XXXX/2015 ). They denied me a new account for this same reason after pulling a credit report. They are reporting incorrectly the information to all XXXX credit reporting agencies - XXXX. XXXX & XXXX. This is seriously affecting my credit since I have made sure to have this paid and reaffirmed as part of the credit rebuilding process. I have called them and sent them emails about the reaffirmation and they had not associated to the account until after I spoke to a representative on Wednesday of this week XXXX/XXXX/2015. I need them to correct my information ASAP. Can you please mediate for me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recently completed a refinance with Wells Fargo. I regret this decision greatly, but so deep into the process I was afraid to back out and start over with a new company. I was not sure of the ramifications it may do to my credit. The entire process took over 3 months to complete. XXXX Normal mortgage processing time is XXXX days XXXX. In the meantime I was mis-communicated to or under communicated to. ( At XXXX point I went a month with no response on the status. ) I was lied to from the beginning with promises that were not granted at the end. Now, they will not respond to me at all. Papers are signed, they got paid so now they do not care. The level of customer service I received was horrid to say the least. Now that I have been discussing this on social media I am horrified by the number of responses I have received telling of thier poor experience with Wells Fargo. I want consumers to be aware that this company does not have your best interest at heart. Of course banking institutions as any business must make money but Wells Fargo crosses the line. They are not there to help, will not answer questions and seem to be poorly trained. At XXXX point I had to seek out a manager and she was just as bad. No follow up, no apology, no explanation. 
They charged much larger fees than other mortgage companies would have as well. 
I have reached out for help within the company and not XXXX person will respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure occurred while a modification process was in effect. I will incorporate documents showing lender engaging in a loan modification process and failed to comply with civil codes XXXX by auctioning my house while a was negotiating a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My mother passed away XX/XX/XXXX, my sister and I are the executors of her will. We went to her bank wells Fargo to open an estate account. They helped us with the account. Then we were served papers from a lawyer saying we took my mothers assets and put them into a private account. Wells Fargo opened a Way 2 Save Account not an estate account. My sister and I went to a different branch of the bank explained to what they did and they helped us. We had so many bad experiences within the last 2 years 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 2016-09-26
Company: Seterus, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been reported late on my mortgage when the lender has been unable to be reached by phone for payment. I have been charged fees without notice and been unable to have removed. I have had insurance placed on my loan even with adequate coverage in place. The company does not offer refinancing at better rates and forces mey to stay with them unless I fall behind and ruin my credit, then they will offer a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been challenging the balance in my closed escrow account. I received a letter stating there is no money in the escrow account. Per previous statements there should be {$620.00}. They need to account for this money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax Mortgage Services and XXXX XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Echelon Financial, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collected over {$480.00} from credit card account. Questionable way of enrolling clients. Ca n't or refuse to give proof of an agreement. Multiple fees charged each month. Company ca n't account for them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts from CENTRAL FINCL CONTROL all dated XXXX 2016 that reflect debt that I did not create.I have made several attemps to contact them in writing and by phone and have been unable to get an answer as to what they are for and have stated to them that they are not my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We have a letter from Springleaf Financial showing that they reported our account incorrectly to the credit bureaus. WE were in a bankruptcy and in the process of having it dismissed when Springleaf started reporting our loan as delinquent even though we could not communicate with them. When we got out of the bankruptcy, we went into negotiations with them to pay them back. We paid them back when we sold our house in full. They incorrect reporting has continued to hurt us to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: ACCESS GROUP INC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio

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 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a computer error in their system that violated the rights of their consumers under FCRA section XXXX. The computer error caused credit inquires to be deleted from my credit report and then after they realized the problem, they inserted all the inquires back onto my credit report without prior written notification. I have spoken to TransUnion however they are denying it and refuse to remove the re-inserted inquires on my credit report. I demand that all these inquires be removed from my credit report immediately as there was no written notice given.

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 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never reside at the XXXX, Ca address on my Trans Union and XXXX credit report. That 's never been my address and my personal information was list and stolen and believe some is still using my identity.

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 2016-09-22
Company: ALLY FINANCIAL INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Auto Lease was written off in 2009 with XXXX. They recently reestablished the loan so they could re-enter the information on my credit report. Statute of limitations has expired per Colorado XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was approved for The XXXX XXXX XXXX XXXX, once approved all inaccurate reporting should have been deleted from my credit file. There remains several that was not updated and removed. Listed below are the accounts that should also be removed. 
XXXX showing XXXX loan with Account Number XXXX DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX XXXX showing XXXX loans with Account Number 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 2016-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated MY rights under section 6.11. As a result I have been affected as well as my score. No notice was ever given to me -which is also a violation. Iam requesting that ALL inquiries be removed.

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 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
disputing transunion score reporting on one blemish that has taken my score down so low.

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 2017-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a victim of the illegal practices conducted by Navient. I was contacted by phone by an automated system letting me know I can request forbearance of my loan and then I was emailed and was asked to reply with a simple " Yes '' in the email if I wanted to participate in forbearance. I have done this 3 times because now I am in a cycle of increasing the interest on my loan and not earning enough money to pay it. I thought the emails were too simple a solution to my problem but I had trust in Navient and their solutions and debt managing. I do n't know what to do but I am glad that they are being sued by the Federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
The debt collector is NOT responding via mail to my efforts to discuss debts. A lawsuit was filed against me at a property I do not live in, after they were notified of my correct address. Ultimately a judgement was made, once again, without using any correct address. Not even the court used the correct address.. Now, in an attempt to discuss the debt, I find myself on perpetual hold with the companies phone-bank and after emailing and faxing them my correct address, I receive no mailed responses of any kind and no return phone calls when I 'm able to speak..

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 2017-03-12
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I made a payment over the phone to Navient to my private loan account, which is the only one I 'm not in deferment for. They applied most of the payment to the deferred account and only {$9.00} to the account I 'm actively making payments on. When I was on the phone I was very clear on which account to apply the payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been paying on my student loan since I graduated from college in 2008. The company never made any payment going towards my principle. They keep recommending forbearance and unstructured repayment plans. To this day the balance has never changed from the original loan well over nine years ago. Please help! I hope the attorneys win their lawsuit against XXXX XXXX now called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
All of a sudden I started to receive texts about an account that I did not open. It is in INCREDIBLY hard to speak to a representative without providing your card number or SSN. 

When I finally did get to speak with someone they simply said to reply " stop '' to the text messages but did not spend time to look for the account to ensure that it was not open fraudulently. 

Shortly after, I began to get transaction information of the purchases being made. These transactions are happening in XXXX, CA. I do not live in XXXX, however, my phone number area code is from that area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Select Management Resources, LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Ok I had taken out a Title loan for my paid off vehicle, However back on XXXX 2015 I had needed extension for a week, A gentlemen by the name of XXXX told me I could n't get an extension but I qualify to get an additional {$500.00}, IF I bring them {$340.00}, and he sold me on the Idea, when I get my taxes just paid it off. ( But I have n't receive taxes yet ) SO I took the additional {$500.00}, which was only {$160.00} difference. Now I am stuck paying {$410.00} a month just on interest alone. 
Now I ASKED FOR AND EXTENSION FOR FEBURARY AND THEY HAD GAVE ME 30 DAYS. 
I feel like if he would allowed me to get the extension in XX/XX/XXXX I WOULDNT BE IN THIS MESS, I AM SPENDING MY WHEELS JUST PAYING ON THE HIGH INTEREST RATE ... ... ..IN XX/XX/XXXX MY LOAN WAS DOWN TO {$800.00} NOW ITS {$2100.00} WITH {$410.00} INTEREST RATE ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28
Company: Southwest Credit Systems, L.P.
State: NC
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:
There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-13
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted you back in XXXX XXXX, 2017 I submitted a complaint online with CFPB ( Case # XXXX ) and never received a response. I have now contacted the CFPB and Insurance Obubsman in hopes of help. My medical insurance was never billed. Today I am sending XXXX XXXX a copy of the medical bill from XXXX that they never received. Please have Collection Consultants take me off of collections with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Hello, I have a student loan with Great Lakes. During XX/XX/XXXX I was a graduate student, at least half time. I submitted to Great Lakes the information required by them to update my status as student and defer interest payment on my loan. I have been a student at least half time since XXXX XXXX, all through XX/XX/XXXX. The statements I receive form them and the account detail listed on the website does not provide sufficient information to follow the payments how are applied to interest and to principal. However, my XXXX reflects {$220.00} received in interest payments for XX/XX/XXXX from me. This is not correct, it should be XXXX. Great Lakes had all the information they required form me to stop the interest charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016, an unauthorized ACH posted to my TD Bank account in the amount of {$2000.00}. I went into the bank on the day it posted and signed a dispute claim. Three weeks later, I saw that the money was still not refunded to my account. I called TD Bank 's fraud department to get a follow-up, and was told that the dispute had been resolved in the other party 's favor because the other business claimed I had in fact authorized the charge. The member of the fraud department to whom I spoke could not give me any information regarding the entity that debited my account, what evidence had been provided suggesting that I had authorized this ACH, or tell me what else I could do to get my money back. 

Imagine that your bank account is debited {$2000.00}. You go into the bank and tell them that you did not authorize the dispute. Three weeks later, the money is not back in your account, and when you call their fraud department to inquire, they tell you that you are n't going to get the money back and that there is simply nothing else they can do to help you. This is what TD Bank has done to me.

Company response to consumer: Closed with explanation