BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-28
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Re : REFINANCE LOAN WRONGFULLY DENIED Dear Commission on Real Estate & Loans : As a citizen of the United States and a Tax Payer and as a Person with integrity and good Personal Credit History I would like to bring to your attention a wrongful denial for an Application to Refinance an Existing Loan from a higher interest rate to a Lower interest rate. 
On XX/XX/2016 I received a letter denying the application for a home refinance loan from my ( now former ) mortgage holder, Amerihome Mortgage, LOAN # XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; Ph XXXX. The letter explained the reasons for the denial were that, ( a ) not enough income was generated and ( b ) income could not be verified. This letter had a very upsetting tone because, # 1 It came after 3 ( three ) months of no contact from the lender ; # 2 the lender did not inform me promptly of the situation at hand ; # 3 did not make any attempt to clarify the situation of the income or of any other information the loan might additionally need. 
# 4 it was a waste of time waiting for a response, time that could have been used to find a more capable lender to serve me. 
Points to be made here are : ( a ) the refinance loan process with Amerihome Mortgage started XX/XX/2016 when the application was signed ; ( b ) the denial letter was sent on XX/XX/2016. There is a gap of three and a half ( 3.5 ) months that we were kept waiting for something that was to be denied anyway. 
On XX/XX/2016 I inquired and started the same application process for a home refinance loan with XXXX, and to my pleasant surprise the whole process took only a month and IT WAS APPROVED! 
Therefore, I am writing this letter hoping to bring to your attention that some lending companies are incompetent. These lenders are wrongfully accusing people of not having enough income or not being able to verify their income. In my opinion, this a discriminatory practice set in place to be able to protect the interest of Amerihome Mortgage, and to forcefully keep their clients paying higher interest rates. During the application process with Amerihome Mortgage I felt intimidated and belittled. I felt intimidated because they were not returning my calls, they were ignoring my messages and they kept on promising that the loan has been approved, but the underwriter is still missing/looking for documents. 
I felt belittled, because the letter that was sent denying the loan made me despair and loose all hope that I could ever refinance to a lower interest rate. It also made me feel incompetent that although I work hard, I have higher education and I am currently employed, I could never make enough income to prove that I could live the American Dream of owning a home. 
Thank you for your understanding.

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 2015-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
We have a Wells Fargo Signature Visa card. We see an interest charge on this month 's statement. On Wells Fargo online we can not find any information about the interest rate charged or the method of calculating the monthly interest charge on the WellsFargo.com Website, which we use for all our banking. I called Well Fargo Customer Care on the Visa statement and asked to find out where this info is available on the Website. The first person said he was not familiar with the online and transferred me. The second person said he was the Web site person and after XXXX minutes of trying, established that this information was not available on Wells Fargo.com and was also not available on the VISA monthly statement! He gave up trying to find out where on the site to go. I said I wanted to register a complaint and was transferred to another Customer Care person who gave me a case # of # XXXX and a phone number of XXXX XXXX ( Executive Offices ). I am writing now because in my experience when the answer is negative, that rather than say that ( on a recorded line! ), that you are referred to someone who will call within 24 hours. 
Okay, so my complaint is that neither the Wells Fargo online nor the statement show this significant consumer information easily available to the consumer where they themselves advocate the customer should do their banking when possible. That missing consumer information is twofold : 1 ) the interest rate including the APR charged on their Wells Fargo Signature VISA card, and 2 ) the method Wells Fargo uses to determine the monthly interest charge posted to the account. 
I know there was a booklet we got maybe even annually where that info may reside. That should not be the only vehicle for transmitting such significant information that the consumer should have readily available as they look at their statement and make their economic decisions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Golden Title Loans LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX FROM XXXX XXXX CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND FROM THE FUGATIVE SQUAD WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
yes i applied for a short term loan and put down my pay dates and the company with drew money out of my account that maid me go in the negative i put down that i got paid every XXXX day of the month but the company put down the XXXX week of the month had a fee of {$33.00} and tried to get the bank to dimiss it XXXX XXXX told me that i authorzed it and they could not help me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a 15 year mortgage that 's paid by weekly. The problem I see is Wells Fargo takes the money out of my bank, and does n't apply it right away. they wait untill the end of the month then apply both payments. So I 'm missing out on the extra interest that I should have paid but is n't. I 'm not even getting interest on the money they take out for two weeks, and they get to use it anyway they want for two weeks interest free. 
The first payment gets taking out on the XXXX of the month it is put into my mortgage but not applied as credit untill the end of the month when the next payment is due then they combine them and then credit my account. 
that does n't seem fair. Why am i not getting the benefit of appling the payment right away Thank you XXXX XXXX CT 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 2016-09-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have a private student loan with Wells Fargo. I am the borrower and my Father is the co-signer on the loan and he filed Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. However, I continued to make payments on the account. I tried to make a payment on-line one day but was unsuccessful. I contacted the bank but they would not talk to me. As a result, my Mother contacted the bank on XXXX/XXXX/XXXX to inquire why I could not make any payments. We discovered that they had charged-off the account. The Bank charged-off the account after the bankruptcy filing date. As a result, the bank discontinued communication with me and my Father. On XXXX/XXXX/XXXX, we spoke with XXXX XXXX, who agreed to remove the charge-off status and that the account would be suppressed until after settlement of the bankruptcy. The Bankruptcy has not been discharged. In addition, they are receiving Trustee payments. My complaint is that they have reported my account as a charge-off which has had a derogatory effect on my credit and I 'm not able to obtain additional funds for XXXX school for it appears that I 've defaulted on a student 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 2016-03-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
One year ago I used Navy Federal Credit Union to finance my first vehicle. I purchased the vehicle from a small dealership, XXXX XXXX in XXXX XXXX Virginia. At the time of the purchase the vehicle was worth {$8700.00}. The dealership provided a XXXX but my copy did not have the value of the car listed. The vehicle was financed by Navy Federal Credit Union for XXXX at 9 percent. NFCU financed XXXX percent of the fair market value of the vehicle. NFCU allowed me to purchase a vehicle with over {$4000.00} in negative equity. I went to NFCU to apply for refinancing of the vehicle and was told that I could only refinance if I paid down and additional {$2000.00}. Why was it ok for NFCU to finance me into a vehicle that had over {$4000.00} in negative equity and now that I have improved my credit with regular payments for a year and want to refinance they demand an additional {$2000.00}. Why is it ok for a lending institution to finance a car for so much more than it is worth. I thought that a credit union called Navy would look out for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have an auto loan with Wells Fargo Bank. I have made consistent and on time paymets for the past four years. I have always paid more than what my monthly payment was. My loan amount balance is less than {$1500.00}. Over the last three months, my employer was purchased by another organization and they did not want to keep me during the merger. I fell behind on all of my bills but now have a new job and I am trying to get caught up. I am only two months behind on my auto loan. I have explained my circumstances to Wells Fargo on several occasions, but they continue to call me, my new employer, my family members and even former roommates that I have several times a day to collect a debt. Everyday I speak to them, I ask them to please hold off for one more month so that I can catch up on my auto loan. They call from several different phone numbers all throughout the day, even after they have already spoken with me that day. If they reposess my vehicle, I will lose my new job because I will not have a ride to work. I have begged and pleaded daily for the last month for them to please wait until I get caught up, but they will not. Everybody at my job laughs at me because Wells Fargo keeps telling my new coworkers that they arw attenpting to collect a debt, they even ask my fellow coworkers and family members if they will make a payment on my behalf. I just need one more month ro get back on track with my payments but Wells Fargo will not be sympathetic, despite my outstanding payment history. This issue is also occuring with my Wells Fargo Credit card. I have also been charged several overdraft and NSF fees from Wells Fargo drafting my wells fargo auto loan and wells fargo credit card payments from my wells fargo checking account. I have asked them to stop but they say that it will keep drafting. All of my accounts mentioned in this statement are with Wells Fargo. They are completely able to see that I do not have the money in my checking account but will still draft the payments and then charge me overdraft and NSF fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a Used transmission for XXXX from a junkyard on XX/XX/2022 with a 30 day warranty. Once transmission was received, the transmission was broken. After trying to resolve the issue with the XXXX ( XXXX 's auto recycling ), they claimed that they did not break the transmission and declined the return even though i provided them with pictures and proof instantly after receiving the transmission. Capital one advised me to get a XXXX opinion from a 2nd merchant and to return the item. The 2nd merchant concluded upon investigation that transmission was broken due to a car accident before shipment, i also returned the transmission with a tracking number. Despite doing everything capital one advised me to do, they declined the dispute. I have been using my capital one credit card for 6 years, spending over XXXX per week on it, only to be robbed from my money as a thank you. Capital one is terrible, and i advise everyone to stay away from visa and use a safer company like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan is in default and has been referred to the guarantor. I contacted the guarantor and was told to contact Navient. Navient allowed me to make a payment. I was then instructed to setup auto payments in order to allow Navient to " begin '' working with me. The payment posted to the account after three business days. I called back to setup the online payment and I was told that there was nothing they could do until the account was under so many days past due. So, I was given incorrect instructions from the beginning and led to believe that my account would be brought into a status so that I could get on income based payments. I have a few options left that are not palatable, but I am tired of working and doing what I am told to do and then being told that it is not enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. DID WELLS FARGO FORECLOSE ON A SECOND.MORTGAGE? 
2. Was there a second mortgage on my property at XXXX XXXX? 
3. Was the Wells Fargo loan a second mortgage? 
4. Did this loan pay off the previous loan with XXXX - WITH Their MONEY? 
I Want the TRUTH IN LENDING DISCLOSURE SETTLEMENT STATEMENT and PAY HISTORY forwarded to the CFPB. 

5. DID THEY ( XXXX ) USE MY MONEY TO PAY OFF THE BUYER 'S MORTGAGE OF {$91000.00}? 
6. WHY WAS THE MODIFICATION DENIED BY FANNIE MAE? 
7. Were we paying PRIVATE mortgage insurance? 
8. Why did Wells Fargo return XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments? 
9. Why did Wells Fargo return our modification payments? 

WHY/HOW DID THEY FORECLOSE MY PROPERTY?

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 2022-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I turned XXXX and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN 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 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 2021-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I 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.Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2019-05-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a VA medical bill owed. I contacted XXXX XXXX and gave them all the info to contact VA. I sent Bill 's to VA. Please erase mark off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove XXXX  XXXX XXXX, XXXX and XXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with XXXX AND EXPERIAN for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Experian claims to be a great company and many other companies use it as a credit service. Meanwhile they don't report accurate information and they only point fingers to other companies. 

They do a terrible job at accumulating information and reporting accurate information. Therefore hurting the consumer. Their lack of communication and accurate reporting hurts ultimately the consumer. Hence everything with having to do with my XXXX  XXXX  in which they deleted on purpose inaccurate credit card reporting and ultimately not being held accountable for their own errors. The creditors act as mirrors. If they report one report it will go to another hurting the consumer. 

These credit agencies are a danger to the consumer and report inaccurate information. All they do is try to push their marketing and try to charge you money for things that do not work. They push emails on credit cards in which you do not need. 

They are enormous marketing machines and they do more harm than help. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a chapter XXXX bankruptcy case from XX/XX/XXXX. A Motion to release from stay was filed for nonpayment and a consent order was granted. This case was dismissed due to other issues XX/XX/XXXX. XX/XX/XXXX a new case was filed and the post petition payment was due XXXX XXXX, XXXX. The payment was made on XXXX XXXX, XXXX and cleared my bank on XXXX XXXX, XXXX. XXXX XXXX, XXXX Called in to Wells Fargo to make XX/XX/XXXX 's payment and was told that I owed for XX/XX/XXXX. This repeated for three months. They have refused to acknowledge or properly post my payment. They are threatening to filed a motion for relief when they have my payment. I want them to post my payment and properly and accurately post a status. The confusion may be of the dismissal of one case and the quick refile of another however I have communicated to this with documentation at least twice.

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 2022-10-18
Company: Carvana Group, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit score shows at XXXX when in XXXX is XXXX, XXXX XXXX and XXXX XXXX. I don't know why it shows that is that low. What can we do to get it fixed?

Company response to consumer: Closed with explanation