BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-18
Company: Pinnacle Credit Services, LLC
State: TX
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:
Please accept this statement from my wife on my behalf. She is the one helping me fix this matter. 
My wife : I called XXXX directly today to pay a debt of {$100.00}. XXXX stated that Pinnacle was part of their company and could accept my payment. I made the payment of {$100.00} I have a confirmation number. I called XXXX back to get a receipt or something in writing that it was paid. XXXX stated the account was written off and that they could not give me a receipt. XXXX did confirm they did receive my payment but can not give me a receipt for the payment. I had to call Pinnacle to obtain pay off info. I called Pinnacle and they stated that debt was written off and given to XXXX agency that works with their company. This company does not report to the credit bureau for my husband 's credit. After speaking with the XXXX XXXX XXXX agency the man was rude and not helpful so I hung up. Called XXXX back and explain the dilemma and they still suggested I should call Pinnacle. I called Pinnacle and they mention they could not give me a receipt stating that it was paid off because it was with the XXXX XXXX XXXX group. I mentioned to the lady that Pinnacle is the company reporting to my husband 's credit report not the other company. So I asked to speak with her supervisor at Pinnacle she stated that I needed to talk with the supervisor at XXXX XXXX XXXX group. I stated they do not report to my husband 's credit report. She stated that I would need to talk to XXXX XXXX XXXX group. I told her that I did not want to talk with the other agency because they are not the ones reporting to my husbands credit and if we could not resolve this I was going to file a complaint with CFPB. She proceeded to transfer me to the other company anyways. So I am now filing complaint. All this because I just needed a receipt stating my husband 's debt was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate.
If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.
If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate.
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above.
<P/>
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions.
<P/>
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I took out some loans, with XXXX XXXX that changed to Wachovia that changed to Wells Fargo. The XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.89 %, the XXXX on XXXX/XXXX/XXXX making XXXX payments fixed rate 11.74 % and third on XXXX/XXXX/XXXX making XXXX payments fixed rate at 8.46 %. All small loan amounts. 
When the last payment was made on the XXXX loan, we got a letter in the mail that said we needed to pay additional fees before they would send us the title. I questioned the reason and they would not give me any documents or what the fees where other than that if I did not pay the money, they would foreclose on the property. So I paid the fee. 
The XXXX loan payment will be paid off this month and I received a letter in XXXX saying that our load was maturing, but I noticed that the amount owed was too high for XXXX more payments. So since XXXX I have been requesting why so high and what are the additional fees of approximately {$2000.00} that is due on the loan as we have a fixed rate and not a balloon payment nor late since the bank has debit every payment out of our checking account. 
Now the XXXX loan, I have been going to the bank and calling since I found out in XXXX that some how the bank made an error and allowed some XXXX in Arizona to changed our loan instead of a different loan as someone got our accounts mixed up. I have been trying to get it refinanced through them to get it paid off quicker and get the interest rate lower to fix what ever was done to the loan as the amount of what is owed has not gone down hardly at all in over 15 years. 
I finally pulled out all my paperwork and found out that Wells Fargo has been handling my loan not with the fixed rate which is in all my documents but as a DSI loan. Daily Simple Interest which is compounded differently. I had to XXXX DSI and talk to a lawyer to find out what that did to my loan, which explains why they were charging additional fees and why my XXXX loan was not going down. I have repeatedly requested a copy of all my payments and documents on file of all XXXX loans, and they only have information since XXXX, and only received this week the payments for the XXXX loan. It also shows that when they started documenting in XXXX they showed additional miscellaneous charges of up to {$1000.00} at a time. I call every week XXXX to XXXX times a week and am getting the run around, with no XXXX able to tell me why I owe additional fees or why the payments is not going down, but staying the same. I know that if they did this to me on XXXX loans that there are most likely a lot more in the same situation. The bottom line is this is not just fraud, but since the companies main office I have to deal with is in Arizona and no one in the local office can help me as they have to call Arizona, it should be considered a federal crime of fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accts #   XXXX   Due {$30.00},   XXXX   Due {$30.00},  XXXX  Due {$30.00},  XXXX  Due {$30.00} These charges are inaccurate and ABSOLUTELY not mine. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was sold at foreclosure by XXXX XXXX XXXX and they did not have authority to conduct it. WELLS FARGO previously in XX/XX/XXXX was in the process of doing a foreclosure sale but it was delayed when I was attempting to get assistance with my delinquent loan status. 
XXXX XXXX, XXXX WELLS FARGO tells me my home is owned by XXXX XXXX. 
XXXX XXXX, XXXX WELLS FARGO tells me my investor is XXXX XXXX XXXX XXXX XXXX ( my first knowledge of XXXX. ) XXXX XXXX, XXXX WELLS FARGO tells me my review for assistance was discontinued as of XXXX XXXX, XXXX because it was being service transfered to XXXX XXXX. 
Neither WELLS FARGO or XXXX XXXX will finish answering the questions about my home and as far as XXXX is concerned, XXXX XXXX XXXX is just a scam and they instructed me not to work with them. I have not seen anything that looks like a title transfer or transfer of a deed to anyone and the person who holds title to my home now is evicting me without having the legitimacy to hold a FED, due to the foreclosure sale being done by XXXX. 
XXXX XXXX XXXX XXXX, XXXX, D/B/A XXXX XXXX ... ... for XXXX is now trying to evict me as the new owner and is doing so with the same attorney as WELLS FARGO used in my Oregon Foreclosure Avoidance mediation case.

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 2015-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/2015 I am due a refund of {$1000.00} from Wells Fargo Home Mortgage for a mortgage payment made in XXXX, 2015 but held in escrow ; it was never applied to principal and interest, or property tax, or property insurance, and should be refunded to me promptly. 
IMPORTANT NOTE : CONTRARY TO ANY OTHER CLAIM BY WELLS FARGO, I AM ALWAYS AVAILABLE AND EASY TO CONTACT. I RETURN PHONE CALLS PROMPTLY, AND I REQUEST NOTES BE WRITTEN IN MY WELLS FARGO FILE SO ANY REPRESENTATIVE CAN READ THEM TO ME IF THE ORIGINAL CALLER IS NOT AVAILABLE WHEN I CALL BACK. 
I sent a mortgage payment of {$1000.00} to Wells Fargo Home Mortgage on XXXX XXXX, 2015. The check was received but held in suspension. In XX/XX/XXXX, instead of being applied to principal and interest, this {$1000.00} was applied to an " advance escrow '' account. There was no reason for putting my mortgage payment into an escrow account. In all the time I had my loan, I never used an escrow account, because I always paid my property tax and property insurance directly. EVERY TIME I sent a payment, I provided information so Wells Fargo could verify that my insurance payments and property tax payments were made in full and on time. 

On XXXX XXXX, 2015, Wells Fargo sold my house at a foreclosure auction. ( See Wells Fargo 's response to my XXXX XXXX, 2015 complaint, Case # XXXX, for verification of XXXX XXXX sale date. ) At that time, as usual, all my property tax and insurance payments were up to date. 
-- & gt ; Any debt I owed to Wells Fargo was immediately cancelled on XXXX XXXX by the foreclosure sale. 
Wells Fargo informed me by letter and phone call from WFHM executive XXXX XXXX on XXXX XXXX, 2015, that they have decided not to reverse this foreclosure sale. 
A month has passed ( today is XXXX XXXX, 2015 ), quite long enough for final accounting, yet this {$1000.00} has not yet been refunded to me. It can not simply go missing ; it must be refunded promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This car loan has been paid in full.. I have requested to be removed from my credit report but they have not done so. I have not received any response from this company. This has been showing on my credit report as current but the car loan has been paid in full and should have been sent to all XXXX credit reports to be removed from my credit. 
I have another car loan with them that is correct but this account should have been removed. They are not willing to help me at all and are not giving me any information whatsoever.

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 2015-08-13
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been charged overdraft fee 's unwarranted by Comerica bank for XXXX unauthorized for $ XXXX.each resulting in fee 's of {$140.00} fee 's between XXXX XXXX and XXXX XXXX 2015 and was charged a continuous OD fee of {$6.00}. resulting from these withdrawals of overdrafts fee 's and caused XXXX more OD fees in this same period because of fee 's taken by the bank. Also have other transactions such as teller counter withdrawals of {$30.00} which I inquire balance before withdrawal and balance was $ XXXX.but the next day I received OD charge was told had a pending soft post the teller could n't access on her system therefore she gave the wrong info on my balance and allowed a withdrawal when funds really was n't available which cost me {$34.00}. I 've called to address this for the last XXXX and very little to no response from their escalation dept.to get this resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   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 explanation
Consumer complaint received 2015-11-12
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015 I closed on the sale of my home. The property was previously in a foreclosure proceeding, therefore my attorneys contacted the bank 's attorneys XXXX to obtain a payoff amount. A payoff letter was sent to my attorney XX/XX/2015. This payoff figure was confirmed by the title closer on the day of closing. 

Approximately three weeks after the closing, I contacted the new owners of the property to determine if any mail was still being sent to my old address. Inspection of the mail I received resulted in my locating a letter sent by regular mail from Seterus ( the debt collector processing my loan ). This letter included the payoff check which was sent to them by the title closer to payoff the loan. The letter stated that the check was being returned because payoff amount was insufficient. 

I immediately contacted my attorney and the title closer. I returned the check to the title closer and called Seterus to determine what happened. The Seterus agent indicated that they had sent a different payoff amount to my address XXXX ( the same date as the letter that was sent to my attorney from their attorneys - XXXX ). When I tried to ascertain how the matter could be resolved the agent said I would have to send a complaint to a fax number, and wait for someone to contact me. The agent also mentioned that interest in the amount of $ XXXX/day would be accumulating. When I tried to determine how long the resolution process would take, no time could be provided. 

There has been significant misrepresentation by Seterus in this matter. I believe this misrepresentation amounts to fraud. Seterus asserts that they sent a payoff statement to me XX/XX/XXXX in a larger amount than that sent to my attorney - a copy of this letter is attached to the statement they sent to my attorney XX/XX/2015 

If the larger payoff amount was on the Seterus record XX/XX/2015 as they suggest, why did the Seterus agent quote the smaller payoff amount to the title closer XX/XX/2015 the day of the closing ( a note to that effect was made by the title closer at closing, see attached ). The evidence suggests, that they recalculated after the closing, and created backdated documents to support their position. This company should not be allowed to do business. If your loan is sold to this company, you are in trouble. 

This company has a long standing record as a bad actor in the mortgage processing business. They are rejecting a payoff that was generated by them and are attempting to accrue additional payments to the tune of $ XXXX/day with no end in sight. I will complain to every possible government agency in an effort to get someone to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   account showed a late payment in  XXXX / XXXX . This information is inaccurate. Payment was not late. Balance was paid. And   XXXX   XXXX   credited all late fees. This item was incorrectly applied to my report and should be deleted immediately.

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 2017-07-16
Company: EQUIFAX, INC.
State: TX
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:
I contacted  XXXX  asking them to take my public records and tax liens off of my credit. It is still on there and I am wanting it removed. I know there is a new law for credit reporting companies to take those things off of your credit I have asked them and they will not do so.   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying back my XXXX XXXX student loans for many years now. A few years ago I made a big push to pay them off, including the loan being handled by Navient. I have spoken to customer service representatives from Navient several times ( in XXXX, XXXX, XXXX & XXXX ) and was always told that extra payments are always applied to the principal and not the interest. Calling Navient is a stressful experience and calls can last at least 45 minutes sometimes ( including time on hold ), so it was and is still not easy to follow up when it seemed like they are not applying my extra payments to my principal. In XXXX, I started writing on my payment stubs and checks that I wanted the extra payment to be applied to the principal, it never was, not even once. OnXX/XX/XXXX Navient received a payment from me for {$6000.00}, with a note requesting the entire amount be applied to my principal. My payment history on Navient 's website shows that of the {$6000.00} they received, {$5900.00} was applied to the principal and {$24.00} was applied to interest. My payment history on Navient 's website consistently shows that, even though the amount due has been {$0.00} for months, my extra payments have never been applied just to the principal, but to the interest as well.
<P/>
InXX/XX/XXXXI started making direct payments from my bank account, so I am no longer able to request in writing that the extra payments be applied to the principal ( however in the past I was told I did n't need to put it in writing ). At this time, according to my very careful calculations, I should owe {$3900.00} on my loan, although it may be less based on how confusing Navient 's payment application processes are. According to my statements from Navient, I currently owe {$5700.00}. I do n't understand how so much interest could have accrued when I am making extra payments, which are always being applied to the interest.
<P/>
In addition to not applying my extra payments to the principal, Navient does not allow me to make separate payments on each loan, which would allow me to pay off the higher interest loan first. I have requested this option from customer service and they have said they ca n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2005, XXXX XXXX received an advertisement from Wells Fargo Bank offering her a chance to participate in a " Special Government Program '' which allowed her tax-free money, " plus you wo n't have to make a payment for as long as you live in an own your home ''. She was left with misimpressions about the product. She was confused about the reverse mortgage being a loan, left with a false impression that it was a government benefit that would allow her to stay in her home for the rest of her life. The ad was incomplete/and or contained inaccurate information.

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