BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX, I spoke with a Wells Fargo representative who told me that my loans would not need to be repayed until XXXX unless I graduated before that, in which case I would have a 6-month grace period after my date of graduation. My school inaccurately reported that I graduated in XXXX XXXX. I needed to work with the school to update my graduation date to XXXX XXXX. I submitted paperwork to Wells Fargo with this information, and I expected a 6-month deferment period after XXXX. However, Wells Fargo said that part of my loan had entered repayment while I was still in school. I thought this was part of the same clerical error, so I attempted to work with them to update the repayment date. However, they insisted that part of my loan went into repayment while I was still enrolled XXXX in school, and they declared this loan in default and demanded payment in full. I do not have the amount that they are requiring I pay upfront, and they are not willing to work with me to find a manageable solution to a problem that they created. They claimed to be able to consult phone recordings of previous conversations with them, but they refused to check on the call where I was informed that I would not have to start paying until XXXX. Further, they said they attempted to contact my co-signer about this, but my co-signer did try to call them, and they refused to talk to her. They said that I needed to speak with them directly. However, they would always call while I was at work and unable to answer, and every time I tried to reach them, the call went to voicemail. It seems that they were trying to prolong the conversation period in order to force this loan into full repayment.

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 2016-01-18
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Debt Collector calling itself " Integrated Services '' called threatening to take legal action that they are not able to take in California. Debt Collector is flagrantly violating the Fair Debt Collections Practices Act with their threats and deceitful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I called Wells Fargo this morning since I was told last night I was sent to their Lost and Found Department. 
I was told my account is on hold. I was never given an explanation as to why my account was flagged in the XXXX place. 
I called and spoke with XXXX in the Executive Office Banker # XXXX of the Lost and Found Department. 
When I asked her what the problem was, and why my hold is on hold. She processed to read to me several times that Wells Fargo can terminate my account at any given time for no reason. She kept repeating the same phrase. She was unable to provide any direct examples, or point out any issues what so ever. 
XXXX, I get paid and get deposits. This has been the case for months. I have never been advised by Wells Farog that there is any issue. I attached copies of my current bank statement as of this morning. You can see my transactions, and there is no issue whatsoever. 
Why I am being discriminated against? 
Why can I NOT bank in peace like everyone else? 
Why is my account being flagged for no reason? 
XXXX has given me a hard time because she felt like it. So, who is advising her to do so? It must be nice for her to do as she pleases with my bank account. 
It seems to me this is being done so that I have financial hardship for no good reason. 

I have attached XXXX photos. 
1 of current bank statement with current purchases all of which are normal. There is nothing outstanding or strange on my end. 

2. A photo for which shows that I am directly blocked from accessing Wells Fargo Website. Why? Why am I being blocked from banking with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-10-01
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Per the CARES ACT I am entitled to a 12-month forbearance on my XXXX XXXX owned loan which is serviced by Amerihome Mortgage. I have been granted an initial 6-month forbearance which is scheduled to expire on XX/XX/2020. I have requested an additional 6-month extension but this was denied by Amerihome. 

Instead of granting the extension, Amerihome has XXXX my access to certain parts of my account on their website and sent me this false statement saying i need to get the loan current immediately. I did not request to get the loan current just yet, i requested an extension. This servicer is intimidating me, they never pickup the phone when you call and they do not respond to mailed requests for information. See attached false statement/letter from Amerihome.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is the 2ND REQUEST THIS YEAR and heard nothing back from my request on QWR from Wells Fargo. 
Their XXXX be dispute on accounting and servicing of my mortgage,. Which I am trying to get all the information I request in the letter. Knowing my home is trouble, I need to get this information I requested in the QWR ASAP. I understand that potential errors could have wrongfully resulted in one or all of the following : 1. Increased the amounts of my monthly payments ; 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged, and/or collected fees, expenses, and other charges I am not legally obligated to pay under my mortgage, note, and/or deed of trust. So I really need this to be look into. 

I am also looking into what happen to settlement to help people who still has the Pick a Payment loan. I was offer no help from this settlement. Yet I am being told, Wells Fargo should had been able to offer something by now to help me out.

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 2020-10-01
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please to attached files. 
Files include ... 
Letter to you ( CFPB ) as to our issue with Loan Care Our many correspondence with Loan Care Letters from Loan Care informing us they are working on a resolution they have been telling us since XX/XX/2019. 
Proof from our credit union ( XXXX XXXX XXXX XXXX ) that the payment was made and they received the funds.

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 2017-01-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XX/XX/2016 I refinanced my property. My title company wired my mortgage payoff to Wells Fargo on XX/XX/2016, the day of my closing, and the title company has confirmation of that wire transfer. Upon a review of my escrow account history with Wells Fargo, I saw that Wells Fargo withheld an additional {$130.00} indicating that it was because they did not receive the wire from my title company until XX/XX/2016. That is not true. 
Wires are received within 24 to 48 hours. They received the wire timely and did n't get around to processing my payoff until XX/XX/2016 resulting in their holding the additional {$130.00}. I requested that Wells Fargo review my account, and provide proof of when they actually received the wire and refund me the {$130.00} that they withheld in error. If Wells Fargo is behind in processing wires it should not be at the expense of the consumer.

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 2022-03-23
Company: Everi Payments Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I visited XXXX XXXX and XXXX XXXX Ok. I attempted to visit one of the Everi ATMs. I selected purchase gaming ticket which requires putting in a pin. Upon doing so the transaction said and prompted this transaction could not be completed please contact your financial institution. My card was promptly ejected and it went back to the please insert card. After it cancelled I checked my online banking and I was INDEED CHARGED This was a transaction, In the amount of {$2000.00}. I promptly told security they reviewed the atm and assured me I was not charged. I showed them I was, and the guy told me that the transaction will fall off in two business days. The transaction never fell off. Then I disputed it with my bank, everi sent a response stamping it with a stamp twice saying REDEEMED. I didnt even get a print receipt and their cashier told me there was nothing they could do I should call everi which I did. However Everi because they marked that stamp told my bank someone received and redeemed it and it wasnt me. This has caused my account to overdraft because of something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Rmp Services LLC Illegally put a fictitious medical debt on my credit bureau as collection when I called the hospital ( XXXX XXXX XXXX  XXXX XXXX ) that they claimed I owed money to the hospital told me I never owed that amount that my insurance covered all and I had a remaining balance of a co-pay of {$50.00} which I paid already and I have the receipt. And I do not have a bill similar or close to the amount Rmp Service put on my credit bureau .RMP Swervice LLC stated on my credit bureau that I had a collection of {$1600.00} when I called them she collected my Social Security number without even asking any other information and hung up the phone after I gave it to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I dispute the validity of this debt.This debt is not valid.I am requesting XXXX to obtain verification of debt. Please also include method of verification. 

( a ) The name of the original creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The Address : ( d ) The telephone number ; and ( e ) The documentation used to verify the debt Address of this Complaint- XXXX , CA.XXXX Loan Number of this Complaint- 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 2022-10-17
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX  not feeling well at the early onset of COVID not know what was the matter. I was covered under my XXXX  insurance plan from my previous employer. I was laid off at the time because our office closed down in fear of the spread of COVID. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a XXXX XXXX XXXX ... which was {$120.00} dollars by itself. The Pharmacist was kind and had mercy on me and only gave me 3 of the 30 pills they prescribed based on the size of the stone and charged me {$20.00} bucks. 

This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an email from TrueAccord saying they were trying to collect a debt of {$150.00} for XXXX for a radiator service. 

I never had any work done on my car by XXXX. 

I called and spoke with them and they said there is no debt with them. I never authorized any charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a Wells Fargo auto loan paid perfect for XXXX years, got into an accident had gap coverage also insurance was to pay off the loan. I pulled my credit report and seen on this account it stated a collection account because there was a small balance left which should n't of been accurate. I went ahead and paid it because I care about my credit. How can this company report I had a collection when it fact every payment for 3 years was made until they received the insurance check. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Debt is no longer collectible since I already settled the debt in full to XXXX. In my attachment, you will find a letter from XXXX XXXX or XXXX claiming that this account has already been settled.

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 2022-03-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the Federal XXXX loan forgiveness program. I have been XXXX XXXX XXXX XXXX for 23 years. Navient has stated that I do not qualify for this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing listed a debt collection on my report for an amount of {$320.00} for a XXXX bill. On XX/XX/XXXX, I wrote them requesting a debt validation letter for this bill which they say I owe. They sent back an itemized bill which IS NOT validating that debt. On XX/XX/XXXX, it is notated that they received my certified letter but still could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when I searched Illinois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: TX
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 Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below XXXX XXXX  BANKRUPTCY - ACCOUNT XXXX XXXX  XXXX -ACCOUNT # XXXX XXXX XXXX XXXX ( ORGINAL 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 2016-10-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I want to commend XXXX XXXX the Director of this agency on it 's successful lawsuit against Midland Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX..I am having the exact problem " again '' with this cockroach collection agency. Out of nowhere there appeared a completely bogus fraudulent item on all XXXX of my credit reports. I mean completely fraudulent!!! Exactly what you sued them for is exactly what they are doing to me. The item actually says " all historical data deleted ''!!! XXXX, and XXXX immediately removed the item, but XXXX has not. I want you to know since XXXX is based in XXXX I filed a complaint with the Attorney General of XXXX.I received an email form them last week saying they have received my complaint. Director XXXX, I implore you to again take action on this XXXX company. May I respectfully ask you? How come no one has gone to jail here? This is Criminal Enterprise!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The company changed my product with out notice. I called several times to the second mortgage department on to be directed to another department that I challenge them to show me in my loan note. I even went into the XXXX branch to change my phone and asked I was told continue making my payment and they would fix it now they are showing three late payments for XXXX dollars with no communication via text. They direct YOU to the on-line banking and you CAN NOT Pay less then the minume payment is the system will not allow it and they will not remove the late date.

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 2022-05-26
Company: EQUIFAX, INC.
State: GA
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 ACCT 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 2015-06-29
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXXXXXXUnited States Phone:XXXXXXXXI have been called at XXXX in the morning to almost XXXX at night XXXX times a day. I have asked them to stop on several calls and the Reps all say they will not stop and they will call me whenever they feel like it. I have asked them on these several communications to please stop harrassing me they laugh and say " they will call as many times as they wish and no one can do anything about this '' They have also called me from personal cell phones at XXXX. They are trying to collect a debt that is over XXXX years old that I just do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
WE APPLIED IN XXXX.XXXX LOAN OFFICER AT WELLS FARGO.WE HAD TO STRAITEN OUT SOME JUDGEMENTS TO XXXX XXXX WHICH WE DID AND THAT BROUGT OUR CREDIT SCORE TO GOOD /EXCELLENT.SO SHE BEGAN PROCES ON THE LOAN STATING,XXXX POINT WOULD BE OF IF WE TOOK CREDIT CLASS WHICH NEVER HAPPENED SHE SAID WOULD ONLY NEED XXXX DOLLARS WHICH IN THE END TURNED OUT TO BE XXXX TO CLOSE SO I EXCEPTED IT BECAUSE I HAD NO CHOICE.THE ADDRESS IS XXXX XXXX XXXX XXXX , XXXX XXXX, NEVADA.I DID EVERYTHING THEY ASKED FOR WITHOUT HESITATION, XXXX KEPT REQUESTING DIFFERENT ITEM ONE AT A TIME OVER MONTHS.WE PAID XXXX FOR APPRAISAL,XXXX STRUCTURAL,XXXX WELL INS, PUT IN XXXX XXXX.WE HAVE SEVERAL LETTERS PRE APPROVAL FOR THE LOAN FROM WELLS FARGO, WE WERE TO CLOSE XXXX XXXX BUT NEVER WAS ABLE TO GET A RETURN CALL FROM XXXX FOR 2 WWEKS .FINALLY WENT TO XXXX XXXX HER BOSS AND HE TOOK OVER I SPENT DAY AND HRS TRYING TO GET THIS CLOSE PROVIDING EVERY THING HE WANTED.IT WAS TO CLOSE XXXX XXXX BUT DIDNT WAS TO CLOSE BY XXXX XXXX BUT THEY WHERE DRAGGING IT ON CAUSING ANOTHER FEE TO RELOCK THE RATE IN AFTER HAVING US SIGN ANOTHER CHANGE OF LEASE.OPT.EVERYTHING WAS TO BE IN PLACE TO CLOSE.THEN THEY BRING UP AT THE VARY END THAT I NEED 3 MONTHS RESERXE WHICH SHOUD HAVE COME OUT SOONER PRIOR TO ALL THE EXPENSES THAT I HAVE MADE, THEY WOULD NOT RETURN MY CALL SO HERE I AM.I CAN NEVER RECOUP MY LAST YEAR OF STESS THEY HAVE CAUSED ME, I WOULD LIKE TO BE COMPED FOR ALL MY EXPENSES.THERE IS SO MUCH MORE TO THIS NIGHTMARE PLEASE HELP

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