BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a home last year. XXXX XXXX originally was our mortgage holder but Wells Fargo purchased our loan. We were told that we could eliminate PMI once XXXX % LTV was reached. We did improvements and added heated/cooled space in the basement and then XX/XX/XXXX contacted Wells Fargo about re appraisal to remove the PMI. Wells Fargo informed us that the stipulations for removal were changed and we now had to have XXXX % LTV and market increase would not effect value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I took out a loan for around {$14000.00} through Santander. I paid on the loan for about 3 years. I did miss some payments but always paid them plus extra late payment fees. The motor blew in the vehicle. I asked for help with getting a rebuilt motor which would cost {$6000.00}. They refused to help me. I needed a car to get to work so I could pay my bills so I had no choice but to let them take it back. They sold the vehicle at auction. They put on my credit report that the original amount of the loan was over {$16000.00} and they wrote off {$15000.00}. I have tried to work with them to charge me the true amount owed and pay them in payments but they wanted me to pay {$400.00} a month of which I could not afford. The lady admitted that all I was paying for those 3 years was interest and the {$16000.00} was principal, additional interest and other undisclosed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
Hello, I have a credit card account with Navy Federal Credit Union opened around 2012. I believe in the last few months I been receiving collection letters considering this account. I was SURPRISED because this account ALWAYS been paid on time never late. I reach out to Navy Federal and they stated that they did not have any information on me in their system. I give another representative my access number and he contacted his manager and they stated that my access number does exist. But this negative information is reporting on my credit reports. Can someone please help me in this matter it feels like I 'm going in circles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX an unauthorized transaction from my PayPal account which resulted in {$1200.00} being transferred to the account of an individual with the following email : XXXX, whom I have no affiliation with. I did not realize this transaction occurred until it was withdrawn from my bank account on XX/XX/XXXX. Once it was realized, I immediately disputed the transaction with PayPal, as well as with my bank. Approximately 4 hours later, PayPal determined that the transaction was valid. I then contacted PayPal via phone to appeal the dispute. After about 15 minutes of appalling customer service, they agreed to open an appeal. While the appeal was being processed, I changed my security settings with PayPal and removed as much payment information as I was allowed to by PayPal. The transaction was also rejected by my bank. Following the rejected transaction, I stopped payment of any further transactions from the merchant XXXX AT PAYPAL. Despite the NSF return, PayPal informed me that, my account would go negative, and I will still be responsible to pay the money back. Meanwhile, while the appeal process was still ongoing, I noticed additional suspicious activity on my PayPal account where security settings were changed from a device I do not own or recognize, I informed PayPal of that information within minutes of realizing its occurrence ( XX/XX/XXXX ), on XX/XX/XXXX, the appeal was closed with the same determination, that the transaction was valid. At my next convenience ( the morning of XX/XX/XXXX ), I contacted PayPal via telephone to attempt another appeal, where I was told I can not appeal the transaction any further and that Im legally responsible for these funds. The customer service representative this time ( XXXX, employee # XXXX ) was excellent, she looked further into my situation and found some inconsistencies, that she would forward to the back office, I have not heard anything further from PayPal. 

The treatment and service I have received from PayPal is horrendous. I have been a faithful customer with them for 15 years and have never disputed a single transaction. The one time I dispute an actual fraudulent transaction, Im essentially called a liar multiple times and am responsible to pay PayPal back for allowing a criminal to steal money from me in a pandemic, where money is already very tight. I plan to file a police report very soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Multiple inquires from XXXX and XXXX XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my Equifax report XXXX, XXXX, and XXXXXXXX XXXXl from all of my credit reports via Equifax, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I made contact with US Bank to seek a refinance mortgage on my house. I chose not to have an escrow which the bank agreed to charging me {$260.00} for the privilege not to have an escrow. Throughout the process I was never asked to have an escrow. It came up a few days in front of closing that I was required to have an escrow for flood insurance. Rather than delay closing I agreed to close on the loan and would ask for the {$260.00} paid for not having an escrow back. 

The first reply I got from the bank stated that payment for flood insurance had to be escrowed. The completely ignored my letter requesting a refund. The second reply I got stated the full fee of .25 % was charged which I knew. Then they said if the hazard insurance was waived then the fee would have been .125 %. Who would only escrow taxes but not insurance and this is totally inapplicable to my situation. Then when I again asked for a refund of the non-escrow waiver charge they re-mailed their letter to me. Their XXXX XXXX letter lied to me about it being a partial waiver charge. 

I contacted them by phone and told them that I intended to file a complaint about the non-escrow fee that was charged when in fact I do have an escrow. I feel very strongly that the bank came up with this partial waiver stuff when they had no way around the fact that they are charging me a non-escrow fee and escrowing me at the same time. The bank also made me sign a statement that said if they made a mistake they have a right to fix it and I have to allow them to do so. I also should have the same ability. 

The bank also pushed the closing into the beginning of the next month costing me a full months interest on the FHA loan with XXXX XXXX. I wanted to postpone closing till the end of the month but the bank said that all bets are off on the interest rate I had on the new loan. The broker also convinced me that I was not paying double interest by presenting me with false facts. Later I figured out what he said was a lie. 

I have included my letter to the bank and the letter I received. I am requesting you assistance in recovering the non-escrow fee of {$260.00} since I do have an escrow.

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 2021-07-10
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a loan and was given an estimate on XX/XX/21. The origination charges were {$1200.00}. Processing fee XXXX and underwriting fee XXXX. 
My closing is in 10 days and on XX/XX/21 the company increased the origination charges by {$1000.00}. The loan officer XXXX XXXX told me on the phone XX/XX/21 that there would not be any points charged with the 3.375 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX XXXX XXXX from Wells Fargo called me and left me a voice message advising me that he is sending Wells Fargo 's resolution as their response to my complaint to your office and on XXXX of XXXX I received his response from you via email. In his message he asked me call him if I had any questions so that we could discuss it. I have called his XXXX different days and left him a voice massage today that it is 5 business days after my call ( s ) he still has not responded. In his voice message he indicates & advises the customer to leave him a message and that he would return the call within 24 hours or One Business Day. Even his voice message is not based on honesty. 
I am filing this complaint because he has left me in the air without returning my calls and ignoring my concerns. W.F. is trying very hard to get my house foreclosed and have not cooperated an inch in the entire time nor wanting to help. Only with a logo of " We are here to help '' ( help whom, themselves or the customer?? ) a pretentious way of fake identity. 
Please contact this abnoxious man and ask him why he is not following the rules or any laws? Plus he did not acknowledge or replied to my concerns in my previous appeal. The only reason I can think of is because he has absolutely nothing to say in favor of Wells Fargo and he can not tell the truth either. 
I will hire a lawyer to sue Wells Fargo if they do not cooperate and help me save my house. His phone no. is : XXXX Ext. XXXX. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/2012 Balance : {$3100.00} Reason : Identity theft Please remove it from my Credit Report.

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 2015-05-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with Wells Fargo for over a year on the short sale of a XXXX property.I have provided Wells Fargo with all requested documentation to process the short sale, and have a short sale offer on the property. Over the course of a year, Wells Fargo on several occasions has denied receiving documents despite documents being sent on multiple occasions. They have not returned phone calls, have taken actions, such as placing the home out of short sale and into foreclosure without explanation and refusal to give explanation, and have not explained essential information regarding their processes for the consumer and realtor. A short sale proceeding that could have been resolved by XX/XX/XXXX, continues. The latest report from Wells Fargo is that the short sale request is being reassigned to another negotiator in their liquidation department, with refusal to explain why the short sale is being reassigned. In addition Wells Fargo is again reporting they have missing documentation required to proceed with the process, despite it being provided previously to proceed with the short sale up to this point in time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-07-10
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mother passed away XXXX XXXX. Wells Fargo was sent her death certificate in XXXX. They refused to speak with me or take payment. I faxed and overnighted a court order appointing me personal representative of her estate 4 times. They refused to talk to me. I sent a XXXX letter of Testimony from the court and was told it would be a week before they could speak to me and another week before they could give me the payoff amount. This is now XXXX XXXX!! In the meantime they locked the property but say they have no record of it. Sent letters to my mother 's former work address instead of her home. Requested I have her sign a release form. Sent a lawn service that called the sheriff on ME for trespassing. Now I 'm given the amount with extra fees and interest and told the drive by inspections will continue.

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 2021-07-10
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I am receiving numerous harassing calls from CashNetUSA for a loan that I did n't apply for. I have never applied for a loan with this company, I believe that someone has used my social security number and stolen my identity for this loan.

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 2016-05-03
Company: WELLS FARGO & COMPANY
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Beware they do not back the ones that get you the loan. I was told to expect a letter 1 mo prior when loan interest would be charge. I never got that letter just a XXXX charge on bill. Was told we do not send letter but it was on statement prior to this XXXX. Well I did not look for it because I was expecting that letter. They said to bad we do not care how they get us the loan we had date on bill. They would not even consider it was wrong to be told XXXX thing. Not our problem. Not good ethics at all to not care that who gives you the loan might be deceiving people. They would not even let me talk to upper management they just said they do not deal with customers. Bad bad business ethics. Do not get a loan from these loan sharks. Beware beware

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 monetary relief
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: TX
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:
My identity was stolen a few years ago and I have been trying to get this information deleted from my credit report since that time. I did not open these accounts listed on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I agreed to co-sign for the purchase of a XXXX XXXX XXXX for my roommate, and specifically advised the Car Dealership that I did not want my name on the loan document as a primary. Wells Fargo the lender began sending the monthly statement with my name as the primary owner of this vehicle XX/XX/XXXX. I immediately called Wells Fargo to complain about this problem and reported this problem to the Federal Trade Commission. Wells Fargo then contacted me to inform me that the loan document had me listed as the primary owner. I explained to Wells Fargo that I am not the primary owner, and that they needed to correct this error. This error is a concern to me because it is on my credit reports, and the department of motor vehicle in California has me as the primary owner and when this vehicle has received parking tickets my name appears on the citation. I would like the CFPB to assist me in correcting this problem, Wells Fargo has the ability to fix this problem by either correcting the current loan document or refinancing the vehicle with the correct primary owner ( XXXX XXXX ) and deleting my name from the loan document or placing me as a Co-Signer. This loan *XXXX has been paid on time and this should allow this financial institution to not have any issues considering XXXX XXXX ( Primary Owner ) has paid on time.

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 2020-06-20
Company: Seattle Service Bureau, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CrossCheck, Inc.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: SYNCHRONY FINANCIAL
State: TX
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:
RAN CREDIT WITHOUT PERMISSION

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 2016-11-18
Company: Focus Holding Company
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables Management has been calling me every day for the past 8 months. When i answer half the time i get either a rude response and then they hang up, or they just hang up as soon as i answer. No matter what time i have called them back when they leave voicemails it never goes through or always goes to voicemail. I 'm to the point of worry every time the phone rings at this point, It 's harassment at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation