BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-11
Company: ERC
State: FL
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:
this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for 2 cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with 4 other debts.

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 2015-07-29
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Castlepayday.com is doing business in Georgia where it is illegal to provide payday loans. The interest was higher than expected. I thought it was a regular installment loan, but it is surely predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Residential Credit Solutions, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Although the company received a federal wire from the title company on the XXXX of XXXX, they did not post the payment until the XXXX, charging me for an extra day of interest. Refuses to credit back this overcharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card
Issue: Billing disputes

Complaint:
My mom 's dog got sick she needed an emergency office visit but did n't have money so I go the XXXX XXXX hospital and apply for a Wells Fargo care credit card. My mom and I agreed that I 'd pay for the initial visit. However I never told the office that was the agreement. They never confirmed or stated that I would be the one paying. So I leave, my mom takes the dog in later. Picks him up the next day. I get this XXXX $ charge to my account so I ask her she 's like I signed an invoice for me not you they got the payment mixed up so I dispute it with Wells Fargo but they said no its acceptable because I signed up for the card the same day even though my name is n't on the invoice and the signature does n't match mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX Owed : {$10000.00}

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 2016-03-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I filed a complaint regarding Wells Fargo Home Mortgage a few weeks ago under Case # XXXX. Wells Fargo requested more time to investigate the matter. 
This on Monday XX/XX/XXXX a letter ( See Attached File ) from Wells Fargo was sent to me and it was back dated to XX/XX/XXXX. And it was sent to my previous address out of state. In the letter Wells Fargo states it regarding my previous application for home financing and not about current home and its a notice they should have sent XX/XX/XXXX. It 's the Notice of Action Taken and Statement of Reasons. They are stating I should have received this disclosure during that time but I did n't. This letter was for a previous property that I was trying to buy but the deal did n't happen due to a difficult seller. So we moved on to buying the new property which Wells Fargo holds my current mortgage. 
I believe once I made the complaint under Case # XXXX, Wells Fargo is trying to cover there tracks by back dating this letter and not trying to investigate my complaint 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 explanation
Consumer complaint received 2016-06-16
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
cfpb system uploading does not allow me to upload more then 10 MB per compliant. total files exceed 28 MB

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 2016-05-15
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I obtained a loan from Wachovia Bank in 2008. Wachovia was later bought out by Wells Fargo. The following issues warrant my complaint : -I recently received loan documents from Wells Fargo -The property land description is incorrect and the property street name is misspelled -My initials are forged on the land description page ( hand-numbered as pageXXXX ) -The loan was originally a fixed rate conventional mortgage loan ; however, when the loan was changed to Wells Fargo, Wells Fargo changed the loan to a home equity without consumer knowledge or consent. Such change restricts refinance options as opposed to conventional mortgage loan ( based on information I 've been given by Wells Fargo mortgage representatives )

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 2015-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo Dealer Services is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. Wells Fargo Dealer Services is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. Wells Fargo is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple attempts were made to open credit cards that are fraudulent. These inquiries need to be removed from my report as this is harming my reputation. The following are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-03-21
Company: Navient Solutions, LLC.
State: GA
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:
My daughter and I have retained an attorney ( XXXX XXXX XXXX ) to ( 1 ) attempt to negotiate a pre-litigation settlements of our debts and ( 2 ) litigate the matter if necessary. Navient, the the third party servicer for a yet to be identified student loan trust, is very aware of XXXX XXXX 's involvement in our affair and Navient has been advised he is our counsel. We are also aware Navient has spoken directly with XXXX XXXX and his staff. However, it is our understanding Navient is refusing to negotiate in good faith. MY DAUGHTER AND MY particular complaint herein is NAVIENT IS REFUSING TO DISCONTINUE DIRECT CONTACT WITH US because XXXX XXXX is not simply accepting they insistence we pay XXXX % of the debt owed immediately. As a debt collector for the student loan trust, I belive NAVIENT IS VIOLATING THE FDCPA 's provisions that a debt collector must cease direct communications when they know or have reason to believe we are represented by counsel. They should not be allowed to ignore my attorney and/or not speak with him when they do not like what he is saying. Moreover, they fact he is simply not agreeing with him does not mean we are unrepresented. XXXX XXXX is our attorney until we complete litigation is necessary. Therefore, NAVIENT is knowingly and malicious disregarding the provision of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Even though Wells Fargo Dealer Services received the payment for our car loan on XX/XX/2016, they sent the attached collection letter implying that we were in default on our loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2013, I purchased my first house. The original mortgage was through XXXX XXXX. My down payment was 10 %, and therefore, it included mortgage insurance. However, I was told that I would be able to lose the mortgage insurance after 5 years or as soon as I had 20 % equity in the house - whether that came from improvements made to the house, actual money paid on the mortgage or the value of the house increasing on its own. Since we moved in, we 've made improvements to the house ( remodeled kitchen and bathroom ) and the value has increased. We know that we have much more than the 20 % equity we were told was required to lose the mortgage insurance. However, at some point, our loan was sold to wells fargo. I 've been in and out of the bank on the phone over and over trying to figure out the steps i need to take to get the mortgage insurance removed. Every time I get a different story. Most recently, I was told that it is true that I can get rid of my mortgage insurance by having 20 % equity, but it has to be a result of structural improvements made to the home and I have to show receipts for all the money I invested to make those structural improvements. They said that remodeling we did does not count because there were not walls added, so it was not structural updates but just cosmetic updates. I am frustrated because none of this is what I was originally told when I signed my mortgage and i had no control over it being sold to Wells Fargo, so they should n't be able to change what I was told. Also, I am frustrated because Wells Fargo has given me at least XXXX different stories and it seems they 're just trying to confuse me, so I 'll give up on trying to get my mortgage insurance dropped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: MN
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:
We want to pay more than our monthly balance to Wells Fargo so that we can pay it off quicker. They do not give you an option to do that online like they use to. They make you call and jump through hoops in order to do it. Its clearly a strategy to make it hard for people to pay off their student loans quicker so they can make as much money as possible off the interest. On months that we have a little extra money I want to pay more than my monthly balance. They know that if people are busy they will not call to do it. They use to give consumers the ability to pay more online and took that ability away over the past year. 
Please address this issue with Wells Fargo ... .. its seems to be a common theme with them.

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 2017-03-06
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a VA loan through Wells Fargo XX/XX/2016. I submitted all my necessary information, met the criteria for the credit report, met the income to debt ratio, submitted all documentation, obtain a termite inspection, paid and completed an appraisal. ( all submitted within 6 weeks ). Wells fargo wanted different items, which were then provided, then they requested more which was provided. They told me to not do the water test, and three weeks prior to the lock rate expiring, they said I needed a water test. Water test completed, extension filed, then all previous documents starting to expire. Wells fargo said they submitted to VA, which they NEVER done, and requested more documents that were about to expire. I ran into a family loss and hardship during this time. My credit report expired and they needed update. I dropped XXXX points, and Wells Fargo dropped my loan. The loan never left Wells Fargo for VA approval, and I would have cleared VA requirements if Wells fargo had done their portion accurately and on a timely basis. Today, after I was informed of my application denial, ( 4 months after applying ) they wanted 2 years XXXX. I do n't believe Wells Fargo was willing from the beginning to approve my VA loan.

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 2017-03-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went through the drive through of the Wells Fargo Bank at XXXX XXXX XXXX XXXX in XXXX, AZ on XXXX/XXXX/17. I provided them a signed check for deposit, my drivers license and my debit card corresponding to the account the funds were to be deposited in. The teller at Wells Fargo deposited the funds into a joint account, rather than the account corresponding to the debit card I provided her, which is my sole account, and now Wells Fargo is unwilling to resolve the issue. Now that Wells Fargo made an error and deposited funds into the incorrect account, the other person on the joint account is aware of those funds, and there they can not just be transferred. Wells Fargo needs to deposit the correct amount of funds into the correct account per the information I provided to them. I contacted their customer service this morning and they advised there is nothing they can or will do to rectify the situation. This is completely unacceptable.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2016-05-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Why do you ( WELLS FARGO ) keep making it so hard to pay my mortgage? You imposed fees if I pay by phone. You wo n't let me link my WELLS FARGO checking or savings account to this account. You changed the account prefix and did n't tell anyone. Then you claimed no prefix was needed. Each time I go to a branch to pay my mortgage, your employees have a very difficult time finding the mortgage account even if I bring the statement in. SOMETIMES THEY CAN NOT EVEN FIND THIS MORTGAGE ACCOUNT. THIS IS AN ABSURD WAY OF DOING BUSINESS! AND WHY DO YOU REFUSE TO REPLY?

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 2015-11-25
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Since XX/XX/2015 I started making a small loan from CashNet USA in order to help me get back into my XXXX from being off during the XXXX. I borrowed a total of {$500.00} over 3 months, but now after paying back on the loan every two weeks ( when my checks come ) in I 've payed back over {$530.00} but still owe {$530.00} with % 275.85 interest. It is almost impossible to pay back the loan since the interest is so high. I did n't realize this when I took the loan nor did I read my statements until I realized that what I was paying every two weeks was being absorbed as fees and interest on the balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Niagara Restitution Service Inc
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX/XXXX/15, I received multiple call from a XXXX XXXX representing Evan and Associates telephone numbers XXXX and XXXX. XXXX XXXX requested that I verify the last XXXX digits of my social and dated of birth. Due to the increase in fraud, I requested the full name of the company and the address. She provided the name Evan and Associates but refused on multiple occasions to provide and address and corporate number in order verify it was a true company. She stated that the call was being recorded on a federally recorded line and that she would notate my refusal to pay. I advised her I was not refusing anything ; I wanted verification of the companies ' existence. 

On XXXX/XXXX/15, I received a second call from XXXX XXXX who informed me that this was my last opportunity to resolve the matter before I would be subpoenaed at my place of employment. She again refused to verify any of the company information and I refused to verify if the information she had was mine. She then stated I would be served at work, to make sure I had XXXX forms of ID and a witness for my signature. 

Within XXXX minute my brother contacted me and stated that an Investigator named XXXX XXXX contacted him and that they were attempting to contact me for committing fraud. I contacted the number at XXXX and was transferred to a Fraud division, and spoke to XXXX. She again advised that this was my last opportunity to resolve the matter or I would be served and she can only place a temporary stop order for XXXX hour. 

Again, I asked for the full company name and address ; she advised it was Evans and Associates at XXXX XXXX XXXX, FL but would not repeat the Suite number. She was very rude and spoke quickly. 

During my conversation with XXXX, she kept making contact with a man named XXXX, stating he can proceed with serving me at work, gave him my full name and additional personal information. She then stated the documents were filed with the XXXX XXXX XXXX XXXX. That my license was suspended for fraud and that charges were being brought against me. She provided my tag number and me with the type of vehicle I drove and stated that it would be all suspended and I would be driving with a suspended license and vehicle tag.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed