BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: WELLS FARGO & COMPANY
State: TX
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:
I have XXXX student loans with Wells Fargo that was to go in repayment period XX/XX/2015. I had been unemployed and I requested assistance from them to allow me time to find a job, catch up, and then I would make payment arrangements. In XXXX 2015 I was finally able to fit it in my budget to began some repayment and I made a partial payment. In XXXX 2015 I attempted to do the same however my accounts access online was deleted and when I contacted them, they advised me the debt had been charged off. I requested that they do not call me as they were calling my employer. I have since continued to receive phone calls. My latest conversation with them was a lady attempting to collect the debt, I advised her I was unable to pay the full balance and that I would be more than happy to make payment arrangements however they would continue to report the account past due until the full balance is paid, not just the past due balance. I advised her the amount that I could pay per month and she advised it would take 10 years to payoff the amount and that each month until satisfaction the account would be reported late. I dont feel this is fair to the consumer that if I brought my account current and made payment arrangement, why wouldnt they assist in updating my credit to reflect paying as agreed. I would love to buy a home in the next 10 years however a student loan debt is not the best way to go about it. I am requesting assistance from the CFPB to look into Wells Fargo Student Loan services and to see what type of agreement we can come up with.

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 2022-11-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/2022, I purchased cashiers check for my sister in the amount of {$160000.00} from the First National Bank of PA in XXXX XXXX XXXX, MD. On XX/XX/2022 my sister informed me that the cashiers chased check and an amount of cash had been taken from her vehicle on XX/XX/2022. She stated that she contacted the police. On XX/XX/2022 I notified the First National Bank of PA in XXXX XXXX XXXX MD to request a stop payment on the cashiers check. I also contacted First Nationals customer service on the same evening of XX/XX/2022. On XX/XX/2022 I again contacted XXXX XXXX XXXX First National Bank. I asked to speak with the manager. The teller told me that she was with a customer who was opening an account. I called three times throughout the day to find out the status of the stop payment. Each phone call only revealed that they were working on it. They were busy with customers and could not locate the paperwork needed to proceed with the stop payment. Apparently, I need to sign an Addendum Form which states that the check was stolen, and it would need to be notarized. They would mail it to me. They are aware that I now reside in XXXX since I informed the teller when I made the first phone call. I asked them why they would not email it to expedite the stop payment. On XX/XX/2022 I again contacted First Nationals customer service. The customer service person stated that she would email the XXXX XXXX XXXX office with the complaint. I was informed by customer service that the complaint was forwarded to their fraud department for review. On XX/XX/2022 I again contacted XXXX XXXX XXXX XXXX XXXX. The teller stated that they are still working on it. I asked to speak to the manager. I was informed that the manager was in training. The bank did not contact me on XX/XX/2022. I contacted the First National Bank in XXXX XXXX XXXX on XX/XX/2022. They stated that they would send an email to the fraud department. I requested the fraud departments phone number. The bank told me that they did not have a phone number for the fraud department. So, I requested an email address for the fraud department. I was told that they could not provide the email address. A week later and I still do not have the forms to sign so the bank may proceed with the stop payment. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: ENOVA INTERNATIONAL, INC.
State: NM
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
In XX/XX/2016, I Re-Requested a Credit Bureau Membership and a Credit Report on ( XX/XX/2016 ). I found a Promotional Inquiry dated ( XX/XX/2016 ) for a PayDay Loan. I contacted the Lender ( whom ) Stated that, Either a Letter or Email was Submitted for an Online PayDay Loan. I was told that, they Could not. go as far Back enough to describe ( how ) the Application was Networked that is, by Email or US Mail and that, ( how ) the Promotional Inquiry was Acquired thatbis, from a Credit Service, Credit Management, Credit Corporation or a Collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a formal Notice XXXX XXXX that GC Services Limited Partnership has violated my rights as a Federally Protected Consumer and must provide me with compensation pursuant to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Fair Debt Collection Practices Act and has REFUSED my demand for monetary relief. 

GC Services has failed to address and resolve their violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arising from their written and oral communication with me. See attached Notarized Affidavit for the specific violations and how GC Services violated me. This matter must be addressed. 

The XXXX and XXXX Notice that GC Services has received illustrates that they may contact me to invoke the specified remedy I have demanded. If GC Services continues to ignore my demand for monetary relief I will seek my remedy through litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Problem : Unauthorized party cashed a check. I initiated a fraud claim with Bank of America. It has been XXXX XXXX and they have not resolved the claim. Our landlord is demanding payment. 

Bank of America XXXX bill pay generated a paper rent check to our landlord for XXXX XXXX. 

Check : # XXXX Amount : {$4800.00} Intended recipient : XXXX XXXX  XXXX XXXX The check was misdelivered by XXXX to an unauthorized recipient, who then went on to cash the check. The endorsement on the back of the check states " XXXX XXXX XXXX XXXX. '' We believe this may have been misdelivered to a XXXX XXXX XXXX  office down the road from the landlord 's office. 

XX/XX/2022 : XXXX emailed us stating XXXX rent was not received. However, the check was cashed. I downloaded the check image, and the endorsement is XXXX XXXX XXXX XXXX. It seems that the mail was misdelivered to the XXXX near our landlord 's office in XXXX, and the government ( XXXX XXXX cashed the check fraudulently. 

XX/XX/2022 : I initiated a Bank of America fraud claim, submitting all required notarized documentation along with a detailed cover letter explaining all of the above. 

XX/XX/2022 : I received a letter from BofA stating the claim was denied. They stated the reason was that the autopay was initiated by the IP address it's normally initiated from ( my computer ). 

XX/XX/2022 : My XXXX  called the XXXX number on the denial letter, spent XXXX XXXX on hold, and was finally able to speak to someone. The representative informed her that the claim reviewer misunderstood the grounds of the claim. They thought we filed the claim because someone fraudulently authorized payment. This is not the case. I authorized billpay, the payment was misdelivered via XXXX, and an unintended recipient ( possibly XXXX ) fraudulently cashed the check. 

It should be noted that I outlined this exact scenario on the cover letter I sent with the claim. 

Bank of America 's claim reviewer seems to have completely disregarded the cover letter. 

They then informed us we would have to open a new claim, having all documents notarized again, and go through the whole process again. My XXXX  pushed back and was able to get them to re-open the existing claim without having to resend everything. 

XX/XX/2022 : Received email from landlord stating that payment for above is due by XX/XX/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 monetary relief
Consumer complaint received 2016-10-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband lost his job XX/XX/XXXX and since he worked out of XXXX the last 3 years we were unable to collect unemployment. I contacted our mortgage company, Wells Fargo XX/XX/XXXX to tell them what had happened and ask for help because my husband has been unable to find work. He was a XXXX of a company and its very hard to find work when you 've been at that level. We have had ccellent credit and have never missed a payment on our bills. I talked to a person named XXXX and with a few short questions, she put us on a special program with a reduced payment from {$1900.00} to {$600.00}. She told me not to pay XX/XX/XXXX payment and that we would start making payments in XX/XX/XXXX. I told her we had automatic withdrawal from our account and asked if that would be continued and she said yes. I asked her several times and told her that I did n't want my credit affected. She assured me that it was set up and would n't be a problem. I did n't get my bank statement for XX/XX/XXXX intil XX/XX/XXXX and had n't checked to see if the payment was deducted because it did n't even occur to me that it would n't be. I got a call from the bank XX/XX/XXXX stating that we were 3 months behind in our payments and our house would be foreclosed on. I tried to call XXXX but got continual voicemail. I left many messages for her to call me with no avail. I talked to the collection part of Wells Fargo and they put me in touch with XXXX 's supervisor and she told me that I was kicked off the program and could n't be put back on again. When I got emotional and told her what happened she said they could make an exception and she 'd have someone call me back. Well appsrently that someonwas the original person, XXXX. She never called me back. Finally after talking to the bank countless times they put me on another program paying double of the original amount, which we ca n't afford, and told me that the only person that could fix the credit issue was XXXX and she 'd be in contact with me. Well, XXXX has yet to call and our credit has a black mark on it. Wells Fargo bought out our loan from another bank and changed the type of loan it was illegally from a fixed to an adjustable payment and it has gone from {$900.00} a month originally to {$2000.00} a month on top of that. They have done so many illegal and immoral things with our loan and I 'm beyond frustrated. I 've tried to work with them. I 've always paid my loan on time and now they are ruining my credit and we still have a loan payment we ca n't afford each month. Please let me know what can be done. They are not going to foreclose on our house for now if we can keep up the payments. We went from {$2000.00} to {$600.00} to {$1200.00} a month 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 2015-11-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving repeated calls at my workplace from the phone number XXXX. In the last week, they called on XX/XX/XXXX at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, they called at XXXX, and XXXX, when I was finally in my office and I answered the phone, there was no repsonse, and they hung up. I returned a call at XXXX on XXXX/XXXX/15, and found that the number was for a Dillard 's credit card provided by Wells Fargo. I have never had a Dillard 's credit card. The system asked for an account number, and eventually ( when I did n't provide an account number, since I do n't have one ), I was connected to a representative, I provided the work number, she verified that I do n't have an account, and said a note would be created and the phone number would be removed. I then received additional calls from them at XXXX and XXXX on XX/XX/XXXX. Today ( XX/XX/XXXX ), I tried to call at XXXX to again request for the calls to stop but was told by the system that call volume was too high and they could n't answer my call. 

I have worked at this college since XX/XX/XXXX, so it is possible they have the number from whoever had the extension before me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a divorced man who has a mortgage with Wells Fargo. I am the only mortgagee, with insurance through XXXX XXXX. 
Last XXXX my ex-wife opened a XXXX property insurance policy through XXXX without my approval nor permission. I am not on the XXXX policy, and ex-wife is not on mortgage. XXXX apparently presented Wells Fargo with a request for payment, and Wells Fargo paid them {$910.00} from my escrow account. I found out a month or XXXX later when checking on mortgage account. 
When I confronted Wells Fargo, they refused to accept responsibility and blamed XXXX. I reminded Wells Fargo they had a fiduciary responsibility to safeguard my escrow funds from intentional or accidental access from those without legal reasons. Wells Fargo acknowledged on phone they paid XXXX based on electronic request, but wont provide me proof of this. Wells Fargo refused to refund the money they gave XXXX. XXXX eventually cancelled policy BUT did n't return funds to escrow. And now they wont return my emails nor phone calls. 
Now I am out {$910.00}, and Wells Fargo will not replace the money they had an obligation to protect.

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 2016-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo had my Deid in Lueu approved in XXXX XXXX for my house at XXXX, VA XXXX. I sent them all paperwork including my agreement to vacate the property. The second mortgage also had approved. They kept dragging things out saying there 's an issue with the title. All of a sudden, they call me in XXXX and tell me that they need to send me the final paperwork and I need to sign and return immediately. 
I told them, " great, send it to me in XXXX XXXX because I 'm here XXXX ''. She said she was n't sure she could do that and she would call me back when she got an answer. 
The next time they contacted me was to tell me I need to start over and that I ha a new contact. That guy was worthless. I had the second mortgage ( also Wells Fargo ) sending messages to him and his manager. 
Long story short, I 've tried to do a short sale from XXXX XXXX before stopping payments due to XXXX and no renter in the house. WF home preservation has the keys to the house since XXXX XXXX and did n't fix the fence that fell down in a storm in XXXX. I now have at least XXXX court judgments against me due to this. 
The inspectors wo n't go to look over the house since I 'm not there to let them in and do n't even have the key. Thus, I have '' failed to complete the Deid in Lueu process ''. I have complained to the Office of the President and their records only show I have n't done what I need to do. I have asked for the recordings to prove what I 've said is true and they said I need a subpoena since they are their property. 
I contacted XXXX XXXX 2 times and talked to different guys, but they said that is outside their scope and referred me to HUD. They ca n't help and said I need to file a complaint with you and find an attorney. 
The best part, on XXXX ( 90 days after retirement exactly ) they send me a letter stating they are going to start foreclosure if I do n't pay my delinquency. 
I do n't know what they gained from this other than the house appreciating, but they have intentionally been dragging me and my family through this nightmare for years to avoid SCRA rules. 
I need help and need it by XXXX XXXX, XXXX please.

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 2015-03-19
Company: United Revenue Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
united revenue corp. account # XXXX is on my credit report and i have no idea who they are or what they are trying to collect. after contacting them in writing 2 times i have never received a response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: Maury Cobb, Attorney at Law, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Law Office of Maury Cobb has sent an automated phone message to my parents ' phone # every day for months. The call-back # they provide is for a dating service and they do not respond to emails so there is no way to end this harassment. I have no outstanding debts, as my credit report will show.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$750.00}

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 2015-10-29
Company: SUPERIOR DEBT RECOVERY LLC
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I live in XXXX but previously I was taking care of my Dad who passed away XX/XX/XXXX While taking care of him a debt collection and attorney in XXXX got a garnishment against my wages for a debt that was in XX/XX/XXXX. I was in major car accident and therefore on XXXX. I tried to resolve some debts but lost my home and job due to accident in XX/XX/XXXX. The attorney knows all this but somehow in a state I am not in was able to get the debt legalized and now is coming after me. I am XXXX and my husband is XXXX. I do not live with my husband as we are separated ( not legally ). I was never served court documents and I found out the attorney got the state to sign for my court documents. Why isnt this stuff done here in the state I am in is this legal?? They now have a hold of my bank account ( total is XXXX dollars ) and my lock box which holds personal items what can I do to stop what is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
For the second time now, I have been denied a Chase Freedom credit union. I have excellent credit and no delinquencies. There is no valid reason for Chase to continue denying me a Chase Freedom card. I complained to the corporate office, and the excuse they 're using this time is that I have opened too many credit cards in the past 24 months. I then asked them what is the time frame for them to stop claiming I 've opened too many credit cards, and then they changed their story completely. They then claimed that my income is too low, which makes no sense whatsoever, as again, I have excellent credit and no delinquencies. Therefore, they are discriminating against my economic " class, '' as well as age, and XXXX. As long as I have excellent credit and no delinquencies, there is no valid, legal reason for Chase to continue to deny me a Chase Freedom card, especially as I have other Chase credit cards. This is a clear-cut act of discrimination, for if my income were the case, then Chase would have to cancel credit cards for all credit card holders whose incomes dropped, which includes retirees, the XXXX, and the unemployed. Therefore, it is appropriate for CFPB to hold Chase accountable for denying me, an aging, XXXX citizen with excellent credit and no delinquencies, a Chase Freedom card. ( And in the past, after filing CFPB complaints, CFPB has done nothing more than " shuffle papers, '' i.e., send me the bank 's response, regardless of what it is, then close the case, rather than hold the bank accountable. Also, in the past, after logging in to CFPB, I have been unable to access any documents, and this was never appropriately addressed or corrected. Therefore, please escalate this matter to the Director 's office. )

Company response to consumer: Closed with explanation