BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 2015-05-17
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making my monthly mortgage payments on time every month. This was done until XXXX of 2016 when I had to get XXXX tires and have some front end work done on the vehicle. Just one week later my vehicle was hit and I had XXXX witnesses. The next day I was informed by my insurance the car was totaled. I was given just 3 weeks with a free rental car. Now I have to walk. In the mean time I am showing that XXXX XXXX at Wells Fargo ( XXXX ) will not make a payment out of the money in unapplied funds. Currently there is {$2100.00}. This is confusing to me as when I made a payment of {$1500.00} earlier a payment was deducted and the remaining money went to unapplied funds. Once XXXX got involved the money sent in was put as unapplied funds. This means more interest to me and she is messing up my payment schedule for the credit bureau. Not fair. 
To me all was fine until she got involved. To me she should not have gotten involved.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phones numbers and names corrected on my report as this is a violation on my consumer protection rights.

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 2020-04-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a checking account with Wells Fargo from which I make payments to all of my credit cards. When I have made the recent payment from my account that has a balance of XXXX, the payment for {$140.00} ( XX/XX/20 ) was returned and as a result, I was charged an additional fee of {$29.00} + {$140.00}. When I called Wells Fargo they transferred me 2 times, each time I had to wait 45 minutes. No real solution was found. I have requested for the card to be closed and money to be refunded to me, the representative refused.

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 2021-11-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/21 American Express declined payment to my phone company XXXX XXXX, stating that it was a fraudulent transaction of {$100.00}. Subsequently XXXX XXXX turned off my phone service. 
I then had to use my XXXX XXXX Visa to reinstate my phone service. I was shocked that Amex made such a determination. Amex said they made that fraudulent determination because I had never charged {$100.00} or more on my card! I found that an unworthy determination as I had recently received a substantial credit line increase from them. I didn't know I had to ask permission from AMEX to charge {$100.00} or more or have them decline the charge! I had to pay XXXX XXXX with my XXXX XXXX Visa to reinstate my phone service. 
I was so embarrassed! XXXX  may consider me unfavorable in the future, due to this slanderous transaction. 

Amex in XXXX tried to cheat me o ut on one of their gasoline offers. Buy {$20.00} get a {$10.00} rebate! I bought the gas the Amex told me I didn't qualify for the {$10.00}. I reported it to CFPB and was finally given the rebate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo will not let you pay a mortgage off at any of it 's branches. You must call a number to get your payoff amount. Then you must ( " XXXX a check or wire the money to them " ) this is what I was told. I pushed back and they said If they took the interest out several days the payoff would change but I could mail the check. Now you mean to tell me they do n't have the ability to do this in branch. They accepted every other payment on my mortgage at the branch.

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 2019-12-09
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company, personally, and they will not send the documentation and they will not removed the item from my XXXX and XXXX Credit Bureau Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 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 2022-05-13
Company: JPMORGAN CHASE & CO.
State: NY
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:
Please see the prior Chase complaint with the CFPB, which has been closed by CFPB and is unresolved. 

1, Chase stated that I was still an authorized user on XXXX XXXX 's credit card and asked if I wanted this removed from my credit report. My credit score has been impacted negatively. I am requesting that this is resolved immediately.

2. I did not agree to be an authorized user on XXXX XXXX 's account, as per my last complaint. This is fraud. Chase claims that XXXX XXXX is to blame, not them. 

3. As discussed, my attorney and I need all statements for transactions on the following card : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to show to the court in XXXX, index XXXX, and to XXXX XXXX. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ford Credit  and  XXXX   XXXX   XXXX  are showing  two ac counts of mine that were paid on time and the balance was paid in full. There was never a late payment made, as the credit report shows. Yet, they are reporting both as  " Closed-Derogatory '' and I h ave now seen a  XXXX  point drop in  my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Advance America, Cash Advance Centers, Inc.
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Just received a call saying I owe {$1300.00} from XXXX debt collection from 10 yrs ago. I never applied for one and have n't heard about this until today. They do n't have any paperwork to show proof so I need to file this complaint. Their phone number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that your company is claiming to be owed to your collections company is 7 months past the 3 year statute of limitations, this account is listed with XX/XX/XXXX date. As per the law pertaining to my state, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Green Trust Cash, LLC
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
i took out a loan of XXXX $ from green trust cash. i paid XXXX XXXX after looking at the contract more closely i realized that if i made the minimum payment i would pay more than XXXX $ in total. that is absolutely rediculous. This must be illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My story started in XXXX of 2014 I was on a repayment program with Wells Fargo Home Mortgage. The program was suitable for my situation at the time. Since payments on a program such as this they are time sensitive. I had an emergency household repair for a furnace and I contacted Wells Fargo if I could make the payment three to four days late. I talked to two different members of said bank and they said I could. They gave me a confirmation number and the payment was made and cashed. About 10 days later I received a letter saying I broke the plan and would have to start the process over. Since they have now installed a program called Home Preservation Specialist that handles your case they gave me a name for contact. I made repeated calls to Wells Fargo over a number of months trying to resolve the issue and received no help at all. Bottom line all I wanted to do was to keep on the repayment plan and to make it more frustrating I was told by not one but to of their employees that I could make the late payment and they cashed as well. I also informed that the house was for sale and I just wanted to avoid any issues that came up. Finally I get contacted by them after spending averaging a least two to three calls a week. This is now four months later and the arrears have increased. I send in financial information that they requested and then get denied. I send in appeal letters and get denied. They start with a another request to see if I can be approved and more documents go out as well as appeals and they are denied. As time goes on the arrears continue to grow. Now I am in foreclosure with a sale date of XXXX XXXX. I have sold the house and the closing date is close to the sheriff sale date. I contacted them again and asked for a request for a postponement of the foreclosure sale they said sure send four specific documents for us to review. I fax the info and I am told when I called back that even though they have the documents in the system I would have to fax them to a different department. So I do and they tell me nothing can be done. Even though four different people at this firm have told me four different stories. Bottom line I am not the only one at fault here. And my situation is coming to a close I guess my complaint would be due to the incompetence, disregard and outright inattention to an issue by Wells Fargo and their employees that led me to believe I was ok has turned into a 9 month nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I requested Wells Fargo & Company cease sending me unsolicited marketing and account messages after my account was closed nearly XXXX years ago. Wells Fargo & Company acknowledged these requests and stated that I would no longer receive such emails. 

However, Wells Fargo & Company continues to send me unsolicited mails in violations of California Law and Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I purchased a home with two ( 2 ) mortgages from two institutions. The lesser loan was for XXXX with Harris Bank. I just received notice that my loan is maturing on XX/XX/XXXX. I assumed this meant that I was paying off the loan. I have now found out that when the loan matures I will owe the remaining balance ( which I assumed was a minimal amount ). To my shock I found out that I still owe $ XXXX on a $ XXXX loan that I have been making payments on the last 15 years totaling over XXXX. Fifteen years of payments that only reduced the principal by $ XXXX. The interest rate was 9.7 % but still I did not understand that this $ XXXX loan would ultimately cost me over 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 2020-04-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank continues to place irrational responses and their delayed behavior as an excuse my account never represents my available credit usage. I made a payment of {$500.00} and after the immediate withdrawal from my account which was confirmed by Representative XXXX from XXXX XXXX XXXX, Citibank claims the monies has yet to be confirmed etc. This is unacceptable. This is the 4th time Citibank has deployed this tactic not reflecting my actual balances and available credit. Please investigate 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 2016-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i have tried multiple times to close XXXX out of XXXX WELLS FARGO checking accts, and they keep resisting/creating obstacles, refusing, saying there is a 'hold ' on my acct, forcing me to see the supervisor, etc. etc. 
i need help badly. 
wells fargo is doing this on purpose to get more bank fees from me. 
i have e-mailed them, called them, and visited them in person, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My son, XXXX XXXX XXXX attended XXXX XXXX XXXX and received his degree in XXXX. I co signed on the loans with him. He paid on his loan with Wells Fargo without missing a payment when he had his first job. Then he moved to XXXX XXXX and was in the process of finding work. We took a forebearance for about 5 months. As soon as he got back on track he began paying his loan again. We requested that I be removed from his student loan obligation, and I was told that since he took the forebearance, we no longer qualify for me to be removed. He has been making payments for over a year now in good standing and they still will not remove me as a cosigner. Please let me know what information you require to research. 
Thank you. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: WELLS FARGO & COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Telephoned Wells Fargo for a ne Am Ex Propel card ( no annual fee and no Int'l transaction fees ) Upon giving my information to the receptionist, when she heard my address : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, She immediately said, that I was refused because there was no way to verify me as a client. 
Hence, Wells Fargo is discriminating against any and all people with APO 's because they fail to have a method to " qualify " the applicants. 

In pursuing this I wound up making several other phone calls and writing letters. 
One phone call in particular was almost 2 hours ( 1 hr 56 min ) before I hung up and went to bed, The time difference between me and the States is that I am 6 hrs ahead of EST.

Wells Fargo is only able to verify aplicants in the states using a 10 digit US phone number. 
I am not in the states and do not have a 10 digit US number that I can receive messages on.

Additionally, they absolutely insist on all applicants havinng a US STREET ADDRESS, no Post office boxes and NO APO 's.

Again, this is discriminatory.

I XXXX XXXX XXXX XXXX for an American Co. I am an American and have been since my birth. 
I have a credit score of XXXX, and I own many parcels of real estate, I have a 6 figure income and virtually no debt other than a couple of mortgages, There is no reason I should not receive a credit card other than for their discriminatory practices.

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 2017-10-26
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt has been removed from my credit report 2x and the debt agency has placed it back on both times. Iam asking that the debt collection ahency removes the debt for the third time and keep it removed. I have diouted wih no resolution hence why they have been required to remove it permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection Co seem to be a fake Co. ( Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX ) the notice say this debit is for a traffic violation in ( XXXX ) I have not been to XXXX and i no know one in XXXX - but this have gotten my info from somewhere and reported to the CB I will not call them nore will I write them or give them any more info then they already have to de-fraud me more or to use my info in any fraudulent way!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation