BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: AMCOL Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am in a XXXX Savings Program called the Qualified XXXX Beneficiary ( XXXX ) Program. XXXX providers aren't allowed to bill for XXXX-covered items or services. Since XX/XX/XXXX, XXXX XXXX XXXX  Hospital, XXXX XXXX XXXX, IN, has been sending me a bill for {$380.00} for an attendant XXXX physician. 

In XX/XX/XXXX, XXXX XXXX sent this illegal charge to a collection agency : AMCOL SYSTEMS INC Type of Industry : Other Collection Agencies Account Number : XXXX Address : XXXX XXXX XXXX XXXX SC XXXX Phone Number : ( undefined ) undefined where it has appeared on my credit report since, decreasing my credit score and preventing me from obtaining credit. I made numerous attempts with XXXX XXXX Hospital to bill XXXX and they refused. I have contacted the collection agency and they refuse to remove this report. The culprit here is XXXX XXXX XXXX Hospital, XXXX. 

My XXXX number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX XXXX XXXX XXXX I am disputing this loan based on that it is impossible to pay it off at 98.8 %. I do not want this company debiting my checking account until we come with a resolution NetCredit responding about indicate my account is in delinquent status. Last week, I did not pay {$160.00} due last week due to concerns about the interest rate and waiting for a resolution. 
NetCredit claims that they contacted me regarding the status of the account and said I was unwilling or unable to talk with us about my account. I have talked to NetCredit on numerous occasions and was told that the legal department would contact me. This was over 3 1/2 weeks ago. I have tried to talk with the representatives about my account and working out a plan but I am either being talked over when I try to work out a solution and even had a supervisor laugh at me stating that I will pay over {$7000.00} for a {$3900.00} loan at 98 %. 
NetCredit claims that they values me as a customer and strives to provide the ultimate customer experience and ask that I contact our Customer Service Team at XXXX, to discuss possible options regarding the account balance. I have called and spoke with them about 10 times within the last 3 1/2 weeks .NETCREDIT WILL NOT WORK WITH ME OR DISCUSS ANY OPTIONS WITH ME. THE REPRESENTATIVES I SPOKE WITH SAID THERE IS NOTHING THEY CAN DO TO WORK WITH ME. I AM APPAULED THAT THEY have FABRICATE to a FEDERAL AGENCY. All I am asking for is to take the interest away from this loan and allow me to make monthly payments that I am able to handle. I understand my responsibility of the balance of the loan but they do not work with their consumers, instead make a profit with predatory lending practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Foreclosure.New investor refused to work out any alternatives after purchasing my mortgage while it is in foreclosure litigation.Wells Fargo never provided me with alternatives to help me keep my home.I agreed to a modification, paid 5 double payments, then was denied a modification.Wells Fargo was forced to buy back my loan from XXXX XXXX, then sold it to a investor who buys nonperforming loans.Wells Fargo was paid in full for my loan and now trying to auction my home off. Will cause my XXXX, XXXX family members and myself to become homeless while our home sits in destruction.

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 2022-05-05
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Received a text ( XXXX ) from Chase Bank fraud Dept. asking if I attempt {$200.00} at XXXX XXXX XXXX 2021 reply yes or no case XXXX reply yes or no to stop. Also on the same text another message read : Chase Bank Fraud alert XXXX payment in the amount of {$2000.00} if you made this transaction reply yes if not reply no. I responded NO via text. Immediately I received a phone call from ( XXXX a XXXX representative and told me that i need to reverse this zelle payment and that a XXXX XXXX had hacked my chase online zelle account. When i logged onto my chase zelle account XXXX XXXX name was on my account which confirmed that i was speaking to a legit XXXX representative. He then asked me to zelle myself {$2000.00} to put the money back into my account and after that he hung up. Thats when i realized i was hacked. He took {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Alliant Capital Management LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received repeated calls from a company claiming to be Alliant Capital Management. They have not disclosed what the debt pertains to, however have left voicemails stating there is a matter in their office under review. I am not stating I do not owe the debt, as I have gone through a divorce and am currently a single mother working XXXX jobs to fix previous monetary mistakes, however upon returning XXXX of the phone calls to the number given of XXXX with the case number of XXXX I was transferred to my case manager XXXX XXXX XXXX who would not identify himself. He became abrasive and stated that he was not going to tell me until I gave him my case number even though someone gave him this in the background and he used my name which came up from my caller id. He hung up on me after I asked again what company he was with. I called back and was given the company name and hung up on. I called again, gave the case number and was transferred to XXXX XXXX who immediately hung up. Called back and got the address. Upon XXXX XXXX I have mailed a formal cease and desist letter however this company has made threats regarding what type of action will be taken for failure to pay a debt. They have called repeatedly and it is in an attempt to harass and annoy. At this time I am looking to purse all of my rights under Colorado law for this unfair and poor treatment. After a reasonable Internet search and I am unclear as to whether the address given was even the correct address for this company so the letter sent may be represented as never received because of this. I was given the address by a gentlemen named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX charged my account {$12.00} even after I checked it as " Do not renew ''. This is for a XXXX account. This was paid for on a pre paid card through XXXX. I called XXXX, explained the situation and that they have done this before. They said can not refund and did n't care that I have had this situation before and been refunded once already.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello! 
I opened an account with Wells Fargo in XX/XX/XXXX with the impression that I was going to receive the bonus checking offer. I made sure I met all the requirements within the time frame. I searched how long it would take for the bonus to be in my account and it said 45 days. 

So I waited for 45 days, and then I called their customer service line in XX/XX/XXXX. I was told by the customer service rep that it's 45 BUSINESS days and to wait a few more days because I did hit all the requirements. I'll receive a message in my account letting me know that I successfully met all the requirements and when it will be deposited. 

I called again in XXXX since I haven't received it yet, and then I am told that it's because I didn't meet the requirements. I asked to speak to a manager and was transferred to " Escalation Support ''. XXXX told me that she will file a report and have it " further investigated ''. I explained that I was already told I hit all requirements. I wanted an explanation as to how, all of a sudden, I'm no longer eligible. She couldn't explain why, but said I'll receive an email or a letter in the mail. 

A month later I received a letter saying that I didn't meet all the requirements. 
The requirements were : 1. Open an account through the link I got in my email. 
Which I did. 
2. Deposit at least {$25.00} I deposited {$50.00}. 
3. Receive a total of {$3000.00} or more in qualifying direct deposits to the new checking account within 90 days from account opening ( the qualification period ). - I had direct deposits of at least {$4500.00} *I am in a participating area. ( Zip code is XXXX ) *My account never reached {$0.00}. 
*I opened a regular checking account. 
*I am a new customer. 

I attached : 1. 3 bank statements showing I met all the requirements. 
2. The email of the offer I received with a time stamp. 
3. A screenshot of their current offer that's similar to what I opened with. ( The only difference is now it's {$4000.00} instead of {$3000.00}. 
4. The letter that they mailed me after being told I didn't qualify for the bonus. 

As of today, XX/XX/XXXX, I closed my account over the phone. Explained this reason again and all I got was " our apologies ''.

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 2019-10-25
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on my credit report a company called Jefferson Capital System. Looking into it further, the debt is from XXXX XXXX XXXX for a loan. I have never had a loan with this company, nor have I ever had a loan with any company. The loan was obtained on XX/XX/2015. During this time, I was in XXXX XXXX XXXX XXXX and had no access to be able to obtain a loan. I have no knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was told by a Wells Fargo mortgage rep that I was pre-approved for a mortgage to purchase a house in XXXX, NY. I put down {$10000.00} for an earnest money deposit. Had an appraisal done and an inspection. Then I was told to be finally approved for the amount I was seeking I had to pay off my existing mortgage on my condo in XXXX, NY. My only income is XXXX social security and a XXXX pension from the USPS. I wanted the house and decided to listen to my mortgage rep and pay off the existing mortgage so I could move to XXXX where the cost of living is cheaper. My savings was already allotted to my down payment and closing costs, so I cashed in an IRA incurring a XXXX tax obligation which I figured I would pay off with the sale of my NY condo. After doing so Wells Fargo turned me down leaving me {$25000.00} in the hole, {$20000.00} for taxes plus half of my deposit and the house itself due to Wells Fargo 's incompetence. They already knew my income they should never have told me to pay off my exisiting mortgage incurring all this debt and then turned me down anyway. I would like Wells Fargo to compensate me for tax obligation and the loss of my deposit. I was a Wells Fargo customer for 25 years and when I needed them they XXXX me. Given all the negative publicity with Wells Fargo recently I feel I should be compensated. I closed my accounts and sold my Wells Fargo stock. I want nothing to do with them now if this is how they treat a customer of my faithfulness for a quarter of a century. Please do what you can. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2022-05-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I CANCEL THE MONEY THAT I SEND OVER SEA TO XXXX ON THE XX/XX/XXXX MONEY TO MY LOVE ONE. SO I CANCEL THE MONEY ON THE XX/XX/XXXX. PAY PAL GAVE ME AN EMAIL THAT THEY DID CANCEL, BUT THEY DID NOT INFORM ME ABOUT MY MONEY BEING RETURN TO ME. MY NAME IS XXXX XXXX, THE CASE NUMBERS IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Have Parent Plus loans for my son that went to Navient from XXXX XXXX. Payment is very high, they have put me in forbearance many times as I struggle to pay the loans. I asked for reduced payment in lieu of forbearance but they said we make too much money. Instead we added additional charges/ interest due to the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
Experian is reporting 3 Bankruptcies on my credit report that do not belong to me. 

Experian uses XXXX for its bankruptcy and public records information verification.

Experian repeatedly claims that they have verified the bankruptcies showing on my credit report with XXXX. 

I have verified thru XXXX thru a report on me ( XXXX XXXX XXXX ) dated XX/XX/XXXX I have No Bankruptcies thru XXXX. 

The report I received from XXXX clearly shows I have no Bankruptcies. 

Experian is showing Bankruptcy XX/XX/XXXX XXXX Bankruptcy XX/XX/XXXX XXXX Bankruptcy XX/XX/XXXX XXXX I am not asking for a reinvestigation. I am attaching proof that I don't have any bankruptcies. 

I am asking for the immediate removal of these bankruptcies showing on my credit report. 

Do not and I repeat do not reinvestigate these bankruptcies you have done so prior and continually are dishonest about the results. 

If these aren't immediately removed I will file lawsuit against Experian for all damages caused

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 2020-04-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Moved from apartment and paid everything that was owed. Two months later, got a letter from IQ Data International saying I owed {$45.00}. A month later, got another letter from IQ Data International , Inc., saying I owed {$95.00}. I wrote a letter disputing the debt and asking for a verification from the apartments. A month after that, got another letter from IQ Data International , Inc., saying I owed {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to report multiple violations that Kimball Tirey & St. John is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to Kimball Tirey & St. John. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Southern Auto Finance Co
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am currently past due about 67 days on my Auto Loan. The finance company is un willing to work with me to bring it current. I have offered a payment and for them to auto draft another payment on my next payday. They state unless I pay late fee 's plus a payment that is almost {$700.00} ( one payment {$450.00} plus late fee 's on the account ) they will not take a payment from me. This extra amount over XXXX does n't even help me with the next payment. I feel that getting my account current should be more important than late fee 's. Fee 's is something we can worry about once I get the account current. I am trying to bring the account current to the best of my ability but they will not allow me to make my regular payment amount to help bring my account current to aleast take it from 60 something days past due to 30 something and another payment in a week to bring it due for the current month. They state that they do not have to work with me and they can repossess my car at 1 day past due. I have made late payments on the loan but I have not ever broken an arrangement I have made with them. I know that making late payments is n't a good thing but the finance company should be willing to work with me not blocking me from making payments my account is not charged off. They are pushing for me to give the unit back and I want to make the payments and keep it. Now they have been refusing to take a payment for a week now and with this being a simple interest loan the interest accures daily so now they also stand to collect more money in interest. How is this fair to myself ( the consumer )? I as many people live pay check to pay check but I am doing my best to work with them and pay the loan as I agreed to do and they are doing their best to make sure it does n't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Ditech Financial LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a 1099-C on XXXX with amount of {$58000.00} from a collection company, Ditech , but I dont know what its all about. 
I went to a credit company and pulled my complete credit profile to see If I have anything about it there but I couldnt find anything like that. 
I wrote a certified letter on XX/XX/XXXX with a return receipt ( received on XX/XX/XXXX signed by XXXX XXXX ) I havent received any responses from them in what it was all about. 
Since it is a 1099-C, I feel threatened by it and I dont know if I need to file it in my XXXX Tax return? 
Please let me know at your earliest convenience, I am nervous about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refinance loan on my existing home and I was denied because the credit report that my lender pulled showed my scores as XXXX ( XXXX ) XXXX ( XXXX ) and XXXX ( XXXX ). However, when I review my credit and my scores on the websites due to my paid member ship, they show my credit scores as XXXX XXXX XXXX XXXX and XXXX ( XXXX ). I contacted the lender and the credit agencies and no one can explain to me why the huge discrepancy in the credit scores that I am paying for through the credit agencies and the credit scores that are being provided to creditors. I do n't know if there is a true purpose in monitoring my credit scores and paying a monthly fee to each of the XXXX credit agencies if I am not getting accurate and/or complete 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
Consumer complaint received 2016-04-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I moved into our home in XXXX XXXX. We received a loan for {$63000.00}. Today my WellsFargo Mortgage is at {$40000.00} with an interest rate of 4.75 % and has a maturity date of XXXX XXXX, XXXX. I pay {$590.00} per month. I was diagnosed with XXXX in XX/XX/XXXX and was not working often due to XXXX and the XXXX so I had to get my loan modified so that I would not lose my house, but I thought my overdue balance was being added to the end of my loan and my interest rate was being lowered but it seems like I 'm being robbed. It seems like the amount I pay back will be a tremendous amount over what I should be paying back on this {$63000.00} loan. I feel like WellsFargo is robbing me could you please help me out and tell me if this right.

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