BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am no longer in school, I am now in repayment. I called my lender about a repayment plan because they say on the website that if you 're having troubles repaying, call this number. I talked to the CS rep and she basically told me that I could n't get any repayment plan, even though I 've told her that I 'm experiencing hardships, because my co-signer may not be. When I told her that they were having troubles as well, she responded with, " we do n't know that. '' Why would I lie about something like this? I want to be rid of these people as soon as possible. This is the only lender who even brings the co-signer into the equation. 
First off, I did n't even sign a loan with them, because I know how they treat their customers and I did n't want to be stuck with them, but it was sold to them anyway. Then I asked her about repayment and the first words out of her mouth was you can try consolidation because we ca n't offer any long term forbearance options. I was n't even asking for long term options, I only needed about three months! I understand that they are n't governed by Federal laws but to completely ignore the needs of your customers is simply wrong. I would like to know how I can get my loan transferred somewhere else or learn of the regulations of private loan lenders because I feel that they are n't doing the very best that they can to help their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with WELLS FARGO MORTGAGE. I asked for a loan m modification and was given the run-around. They seem as if they were purposely trying to make me loose my home. They tell you that you have to to be late before they can process a modification. Then while I think they were processing the modification, they were behind my back trying to foreclose. My mortgage was sold several times. it is a XXXX account. They keep adding fees that I do n't owe them to my balance. 
I bought my home in 2006 at XXXX I made my payments every month. 
the balance never seem to go down. This bank is not right

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Stearns Ventures, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We are experiencing a very difficult time with the Stearns Lending LLC based out of XXXX, VA. 

Stearns Lending ignores customer requests. They do NOT provide written confirmations or guarantees of service requests. ( Such as reversing their errors. ) If there is a late fee, they will continually apply late fee payments to the principle and will never mark an account as up to date. So your normal mortgage payments are seen by them as being underpaid. They will hold your payments and NOT apply them for a whole month and then take next month 's payment and pay off last month and say that the CURRENT month is now late. If you get a late payment, they set up a scheme to NEVER stop charging you late fees. 

XX/XX/XXXX our mortgage payment increased due to local taxes. We make auto payments through our bank so we did n't realize that we had to pay more. In good faith we called Stearns Lending and asked " What do we have to pay to have our account be up to date and all late fees paid and be good with our normal payments '' They gave us the wrong amount over the phone. ( Requests for written information were always denied. ) In XX/XX/XXXX after we made our 'good faith ' payment. Stearns mailed out our statements late for XX/XX/XXXX. So we 'according to Stearns ' were still in arrears due to their late payments. Even though we promptly paid the amount they told us to. Since then ( XX/XX/XXXX ) it has been a constant cat and mouse game with Stearns, trying to get them to remove late fees and apply our payments properly. 

I believe they do these practices on purpose in the hopes we 'll just bend over and pay all their false fees. 

We make written inquiries via their website contact form and inquiries take forever to be acknowledged. They stall more by saying repeat inquiries will only delay the process. 

Do NOT use STEARNS LENDING for your mortgage.

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 2016-07-07
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I'v been a happy customer of pnc bank for almost a year now but was very dissapointed when I signed up for a service to email me when my account was overdrawn and it did not do this service, resulting in several overdraft fee 's. I calmly called pnc and told them that I recived a email about me overdrafting after I was already charged. They do give you 24 hours to account for the negative transactions, but because I rely on these services that were offered to me I was unaware that I was in the negative. The man apologized and offered to rid the extra charges given to me. But he also told me that I needed to put money into my account to account for pending transactions on my card. I told him that would n't be a problem and that I was in a rush to work and that I would deposit the money into my account when I got off. He said I 'd be fine and asked if there were anything else he could help me with I told him no and to have a nice day. I got off work and put the {$40.00} into my account which was enough ro cover my negative account and my pending transactions around XXXX. The next day I was charged for the pending transactions and more overdraft fee 's. I did n't know what to do at this point, so I call pnc bank again and ask what was going on with my account and was told I did n't put my money into my account before XXXX. Now I understand there are rules which is not a problem with me but the fact that I was not specifically told that I needed my money in before XXXX. I tried to fix my problem by putting the money into my account. I called and talked to several people about it and they all told me they could n't do anything for me. I 'm just upset that there was an opportunity for the employee to tell me the deadline was XXXX and he did n't tell me. Thought the several calls I had made there were different information given to me by each on and nothing seemed clear to me. Pnc never put me in the right direction in order to fix my account and when I had asked them for help there was nothing they could do for me. I feel this was very poor service and the last two pnc worker 's were rude with me. I genuinely tried to fix my problem and was told I was wrong and nothing could be done for me. And because of the lack of training in this guy who miss informed me and told me I would 've been fine depositing after work, I was charged {$200.00} in overdraft fee 's. I would 've avoided this whole situation if I was given one piece of information. I almost missed my family reunion because of these charges to my account. Everyone I talked to seemed to not care at all and for that I will be leaving pnc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal suddenly hold my money. they did it before but i already answered and complied with all their questions and needed documents but they did it again! once again i answered all their questions and attach legal document like my bank statement but i still didn't get response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I booked a cruise on XXXX cruise line on a Barclay 's XXXX card. The cruise was paid off in the winter of 2019 pre covid. The cruise ( a transatlantic cruise ) was cancelled by XXXX due to covid and the cruise was moved to the XXXX transatlantic cruise, which was also cancelled. At this time I have requested and received a refund from XXXX XXXX line for the cruise. Unfortunately, they returned the money to the card that I purchased the cruise on - my now closed ( due to awful customer service ) Barclay 's card. Although XXXX processed the refund and I verified it, I can not find anyone at Barclays to help me get my money back. I've called at least half a dozen times just today to either be hung up on or put on terminal hold. They are sitting on money that is mine, and I can not find a single person who can help me get it returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt that Commonwealth financial contacted me for. We made arrangements to get this paid. I was contacted by them in XX/XX/2021. I started making my payment the day they contacted me. I have automatic payments that come out for this from my bank. They are still coming out. They have put this on my credit report. I have disputed it with all companies, XXXX XXXX XXXX They all have been removed but XXXX. All it did was update when I read my dispute results. But I read the dispute and they are still saying it's accurate but it is not. They are still saying that the balance is still {$420.00}. It is not because I have been making payments since XX/XX/2021. And they are still taking the automatic payments out. I want this removed from my credit report. I do not think it is fair that they keep updating my balance even though I am paying on it but they keep updating it as if I never made a payment and as if I'm not making payments now. I want this removed. I want to be contacted of also from sending this. my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I sent the collector a letter asking to simply validate the debt because seeing this mark on my credit report was quite surprising especially since I have received no prior letters or notifications of such. They sent me a mediocre letter listing a bunch of random charges that told me absolutely nothing about the debt. I didnt even recognize the physician they claimed performed the so called services and transactions. 
XXXX I asked them to send me anything I signed at the time of the services or anything at all bearing my signature which they ignored. 
XXXX asked for proof that they owned the debt, with no reply. Making matters worse, I have been going back and forth disputing for 5 months with them and the bureaus to find out they didnt even notate the item as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2016, my checking account showed pending transactions with a positive balance to cover those transactions by XXXX XXXX. My account did not show a pending transaction for a XXXX payment. Also after XXXX XXXX any deposit to the account will not be processed. During the nightly process between XXXX/XXXX/2016 & XXXX/XXXX/2016, Wells Fargo processed and posted the previous pending transactions that I was aware of at XXXX XXXX Wells Fargo also processed and posted a XXXX payment that I could not see. Because it is a recurring payment, it will be processed even though I do not allow over drafting. However, I could not see the time it came through to my account until the next morning at XXXX XXXX Wells Fargo processes overdraft fees by XXXX XXXX. I deposited {$20.00} cash into the ATM around XXXX XXXX in order to bring my account positive before any overdraft fees. After my deposit, Wells Fargo posted an overdraft fee to my account. This suggests that Wells Fargo took advantage of this recurring payment by not allowing it to post on my account as a pending transaction, but rather process the transaction over night and post it to the account after the nightly processing hours. In doing so, Wells Fargo would be able to assess a profitable {$35.00} overdraft fee for a roughly - {$16.00} balance. This concerns me because I never saw the transaction pending XXXX/XXXX/2016 before XXXX XXXX the cut-off time for deposits. I feel taken advantage of and mislead by Wells Fargo. I also have lost trust and faith in the financial institute and do not have confidence in other financial institutes. Banking is an essential part of my personal life, an essential part of my financialgrowth, and an essential part of my business beginning and growing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX filed a collection against me through National Credit Systems. NCS claims they validated the debt but all the have a is what XXXX XXXX claims to be a bill in my name. 

The issue lies in that XXXX is claiming I had late payments on rent and other fees that dont make sense and should not be under my name. I had a roommate at the time and each rent was paid individually, I have receipts of each payment I made each month so there should be XXXX claims about late payments. In addition, I was supposed to receive my security deposit which XXXX XXXX never returned. 

Not to mention the XXXX tension of charging me a security and not my roommate when we both started our leases at the same time, we had the same income, she had either worse or just about the same level of credit score as me at the time. No co-signer and somehow I was charged a security deposit but she wasnt. 

I want XXXX  XXXX or National Credit Systems to prove where this debt is mine and where these claims are coming from or immediately delete this from my credit score. I have proof of each payment made each month as my lease was of $ XXXX each month and each month I paid in time or early. 

Not to mention I also have documentation of receipts from this company of both my roommate and I submitting maintenance requests for a dishwasher that was overflowing in water and wasnt working for the first 4-6 months of us moving in and they did nothing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1st Class Agency XXXX XXXX XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I received a loan from XXXX Mortgage XXXX Located at XXXX XXXX XXXX XXXX, CA XXXX. I am not sure when XXXX sold my mortgage to Deutsche Bank National Trust Co. But they end up with my mortgage without the right documentation. I was a victim of these unscrupulous practices. 

Since XXXX Deutsche Bank National Trust Co has been trying to foreclose my house. I have been requesting them, through XXXX, and now XXXX, TO PRODUCE THE NOTE and the Assignments of the loan. I have not being able to obtain NONE of these copies. 

FIRST : I want to see when Deutsche Bank National Trust Co obtained the NOTE. I want to make sure that they own this mortgage. 

SECOND : I want to see WHY Deutsche Bank National Trust Co obtained A NOTE, IN XXXX AND ANOTHER Document in XXXX. 
I have a copy of the NOTE, signed during the closing in XXXX, made to XXXX. I have never received the Assignments of this NOTE to Deutsche Bank National Trust Co. In fact, the copy of the NOTE received in XXXX, from the loan servicing XXXX, is a different document that XXXX sent me on XXXX XXXX. 

This worries me. I am very concerned. It seems to be a fabrication of a document by the legal team from XXXX. 

Unfortunately it is well known, that the banks fabricate documents to prove their cause of action. 

My home has been scheduled to be foreclosed on XXXX XXXX Please help me to make the banks to do the right thing for once. 

Thank you

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 2016-05-26
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received calls from this alleged company on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. It was left in the message that if I dont respond or comply, then they will take legal action etc ... I also called the comapny back to confirm of the call I was insulted with this statement " its sad that you dont even know about your own debt ''. My reply back to the person " Sir I dont know if you were trained properly but that is not how you properly deal with customers and will be notifying the proper authorities in reagrds to this ''. The person called back in which I didnt answer the phone. When I checked my voicemail it was music playing in the background from a T.V. Show theme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I stopped payment on a check before it was cashed, 2 days later it was presented to PNC, they cashed it against my account, which I am not too happy about. They stated that if you do not stop payment on a check three days before it is presented for payment, then the check can be cashed. 
I was a manger in many banks for 23 years, I never ever heard of such a regulation. If the payment was stopped, it was stopped, and now with XXXX checks are cashed XXXX, so how can it be that it is three days before the check clears.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
To Whom It May Concern, I am filing a complaint on Fifth Third Bank regarding there was no contact to me, XXXX, who is owner of XX/XX/XXXX XXXX. Fifth Third Bank has claimed I was contacted by them regarding my vehicle loan being behind and they were going have vehicle reposed at listed phone numbers below, I was never contacted at these numbers. 

cell phone XXXX house phone XXXX work phone XXXX Fifth Third Bank Loan Number : XXXX Believe me this would have NEVER happen if I had been contacted, I am requesting this repo expunged from my credit report. The funds were immediately paid at the local Fifth Third Bank paid in full soon as I realized the delinquent payments. 

XXXX from Fifth Third spoke to my husband XXXX on Wednesday, XX/XX/XXXX approximately XXXX while I was at work. Before XXXX I was able to speak with XXXX on XXXX behalf who was stern and rude. When XXXX did finally contact me on Thursday XX/XX/XXXX at my home number I left on her voice mail approximately XXXX " after the fact '' XXXX was asking for " my '' contact phone numbers for verification, however, XXXX nor any employee from Fifth Third Bank contacting me regarding the behind payments on my XXXX XXXX XXXX. It was my husband, XXXX, who Fifth Third discussed this issue with. I then gave XXXX my cell phone XXXX, and. Fifth Third did not contact " me '' personally at any of these numbers to advise my loan was this far behind or it was scheduled for a repo. 

Fifth Third Bank was contacting my husband, XXXX, at XXXX. No one from Fifth Third Bank has ever spoken to me, XXXX, or tried to contact me regarding this schedule repo. I truly had no idea my vehicle loan was behind, the I then gave her my cell phone XXXX, house phone XXXX and work phone XXXX. Fifth Third did not contact " me '' personally to advise my loan was this far behind or it was scheduled for a repo. 

I am desperately trying to get a better paying job and can not have a repo on my credit report. Please have mercy and take this off my credit report. 

Thank you in advance for your assistance, it is greatly appreciated! 

XXXX XXXX 
XXXX, MI XXXX XXXX XXXX cell XXXX home XXXX work

Company response to consumer: Closed with explanation