BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After successfully working with the bank to modify my mortgage, the institution came back with a payment plan that included an initial {$64000.00} dollar payment in order to qualify. The reason for this astronomical payment -according to the bank- is that the investor is not willing to work with the bank to offer the help I should because my mortgage is an XXXX loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, XXXX XXXX XXXX and Advance America. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started at the end of XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Lender has contacted over XXXX times within a week, before loan is due. Request Cash U. S. A not to call home several time by mail, email, and fax. Our request was not honored.Abuse their right to collect. XXXX email and XXXX phone calls and the loan is not due until XXXX XXXX, 2015

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is still reporting the repossession of a vehicle to All XXXX credit bureaus that is well over seven years old. This vehicle was never in my possession and is the responsibility of another individual that is not nor has never been a relation. The amount of said negative debt reporting from XXXX XXXX XXXX is about {$11000.00}. Exact amount and circumstance of loan unknown to me as again this is not my debt and is over seven years old. I recently discovered this when applying for a loan at my local bank. Please have account removed/deleted from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2015, I had just one face-to-face conversation ( wherein I did provide taxes & some other financial documentation ) with XXXX, a loan officer from Wells Fargo in XXXX, Washington to obtain his professional opinion of my debt-to-income ratio for a desired refinance of my primary residence. I clearly stated I did not want to move forward in any other way until he had looked through the docs & could be reasonably sure my scenario could meet their DTI requirements. He was told I did not want my credit pulled as it had just been pulled by an incompetent loan officer in XX/XX/XXXX & I did not want damage to my credit scores by multiple credit inquiries. On XXXX XXXX, I received my " notice to the home loan applicant '', and it was the only knowledge I had of this LO pulling my credit -- he DID NOT ask permission on XXXX XXXX, the date he pulled it. He was never given written OR verbal authorization to do so. They have no documentation of any sort signed by me in connection with this proposed loan -- no XXXX ( I never filled one out ) or any other disclosures, and certainly no authorization to pull credit. 
TO NOTE : From the time of the aforementioned credit pull in XX/XX/XXXX, my XXXX score dropped from XXXX to XXXX. I contacted their escalation department & spoke with XXXX who " investigated '' & called me on XXXX XXXX to tell me it " seems like a he-said-she-said situation '' and that he could do nothing. I said I had an emails wherein I questioned LO about why he had pulled my credit ( as well as why I was getting no contact or proper communication from him on any level ), and he asked me to send those to him. To my dismay, on XXXX XXXX he replied in part : " I 'm compelled to say that I think we do n't have enough information that it was understood that your credit would be pulled. Your email did n't state anything in regards to not telling the HMC to pull your credit. Unfortunately we will not be able to have the credit pull removed from your credit report ''. 
Being a former loan officer myself ( from XX/XX/XXXX-XX/XX/XXXX ), I am shocked that a financial institution has the right to intimate that I have to tell them NOT to pull ( which I did! ) or that ( perhaps any ) consumer would/should simply " understand '' their credit would be pulled! I ALWAYS GOT SIGNED AUTHORIZATION from my consumers! I 'm further shocked that this loan officer can just ( apparently ) say I gave him verbal authorization?! And XXXX stated in our phone conversation on XXXX XXXX that me providing some documentation ( again, never filling out an application NOR signing the authorization to pull credit! ) was considered by them as me " understanding that my credit would be pulled '' .... 
Can you please help me? It 's a real matter of principal for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I paid off a credit card when refinancing. The payoff was {$1600.00} too much. Wells Fargo received the payment on XXXX/XXXX/15. said they refunded the money 20 days later on XXXX/XXXX/15. 19 days later still have not received the refund. 
Spoke to a " supervisor '' who said that if I wanted another check sent out, they would first have to send me a letter to get notarized, send it back and then Wells Fargo will send me another check in the same manner. they refused to send it via any way that can be traced.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On Friday, XXXX XXXX, at approximately XXXX, I entered the location of Express Check Advance, located at XXXX XXXX XXXX., XXXX, MS XXXX and received an Advance Payday Loan in the amount of {$400.00} ( XXXX Dollars ). I wrote them a check in the amt of {$480.00}, on my legitimate checking and open acc't at my Credit Union . The next business day which was Monday, XXXX XXXX, 2016, I ret 'd to this same location to return and/or pay off the loan. I was not allowed to pay back the {$400.00} without paying the {$80.00} fee. This was also, done against my Wife, which I attempted to pay off both our loans. I was told that I had to do this kind of transaction on Saturday, XXXX XXXX, 2016. They have a sign posted in their place of business, stating that you can return or pay off the loan, without paying the fee if you do so on the next BUSINESS DAY. Saturdays, Sundays and Holidays are not BUSINESS DAYS ... .PLEASE CORRECT ME IF I 'M WRONG. I have been trying to call their Main Office and the Association that they are a member of since XXXX XXXX, 2016, and no one has returned my call nor answered my email to settle this matter ... The Loan is coming due again on XXXX XXXX, 2016, but I do not get paid until XXXX XXXX, 2016.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I scheduled a payment to post by XX/XX/XXXX to my USAA Loan, prior to the due date of XX/XX/XXXX to ensure the loan was paid before it reached 30 days past due. Now I have a letter dated XX/XX/XXXX saying the payment is 30 days past due and it is in default and needs to be paid prior to XX/XX/XXXX to avoid other collection activity. Now obviously the payment has been made and has posted but I do not agree with it being reported 30 days late. I scheduled the payment online to post by the XXXX and it did not. It posted on the XXXX ... the same happened with my auto insurance payment although that payment posting date is not an issue. Please make contact and discuss with my wife as she will be handling this on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today I received a treating message from XXXX XXXX XXXX XXXX. The intimidating message informed me if I did not respond to their message that they would make a decisionthat will harm me. 
THE WAY IT SOUNDED MY LIFE WAS IN DANGER OR SOMETHING TO THAT AFFECT. 
THIS CALL WAS LEFT BY XXXX. PHONE NUMBER XXXX XXXX XXXX XXXX. My case number XXXX. 
In 2006 I paid off the overdraft. I panic like everyone because there was a bad storm approaching XXXX. This bank was with XXXX Bank. Check my credit. This is the only thing that keeps harassing me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is the email I sent to them. 

I Have a deposit on hold for XXXX dollars. I have not had a hold like this before and Have XXXX insure payments that I can not change because it is already in process. This is going to cause a problem for me. As such I have my payroll deposit coming thru on this Thursday and have a mortgage loan that will be pulled out that day that will be using some of this money. This is unacceptable and will be causing major problems. Its not like you have a ATM anywhere and i mean anywhere near me. The closet one would be in Georgia. You also can not cancel the deposit so I can go into my business bank account to get money out and then go to a store and get a money order and then find a ups store so I can deposit cash. because you already have that money tied up. Does this really sound convenient? I now have to try and scrounge up and hope XXXX that my insurance does not go thru and try to find some cash to go thru the task of putting some cash into my account. Come on guys/gals I have been a member for 15 years. There has got to be a better way really.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
A representative from Wells Fargo keeps calling my fiance ' claiming I am delinquent on a pay day loan and opened in 2011 and if I do not pay they are garnishing my wages. They have my social security number, date of birth, address, job information and my fiance 's information and phone number. I never opened a payday loan ever in my life. I do not know if this is one of those fake accounts wells fargo created. I wish to be compensated for harassment, ruining my credit and fraudulent use of confidential information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: AL
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Progressive Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have had several phones calls for a XXXX XXXX. This is totally not her phone number, never has been, nor does she live here. Why am I receiving her calls? I 've asked XXXX now to please not call this number again. It is the wrong number. Both times I was told this number would be removed, but no luck so far. Offending number this time was XXXX. Internet says it 's a debt collection agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This was a business debt of our XXXX XXXX XXXX owed to ATLAS Financial ; the XXXX was dissolved is XX/XX/XXXX and my business partner took ownership of the debt ; in XX/XX/XXXX discharged the entire amount {$4600.00} in chapter XXXX bankruptcy. 
I was not contacted by collector ATLAS for over four years - even though my phone number never changed. I believed the debt was discharged in bankruptcy therefore did n't know debt still existed. 
In XXXX XXXX I learned through my credit report that {$5500.00} was on public record ; upon calling ATLAS the representative told me their record shows it was satisfied by bankruptcy and they would research why it appeared on my report. 
In the next conversation with a representative I was told I owed over {$7000.00} and it was due immediately. I questioned why and how it could be - since I had heard nothing from them for so many years and my contact info is same. The person replied " we did n't have the manpower to make those calls ''. 
Now that I 've contested the amount owed when it had been discharged ( I was named as co-debtor ) ATLAS has added the interest for the 4+years they never contacted me about the debt. 
If the original amount is due then they could have negotiated how I plan to pay, but within a week or two a garnishment was sent to my employer and the debt shows a total of {$9300.00} and says I have no rights to dispute it. 
It seems some investigation into collection practices, misrepresentations and interest charged while not actively attempting to collect the debt are highly suspect. Adding {$4600.00} interest after ATLAS had totally written me off ( until I called them ) is unreasonable and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a XXXX XXXX that has a DLA of 7 years still listed on my credit file. I feel this company has re aged this. If a proper investigation was completed this would have been removed. 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 2015-08-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX/XXXX/15 here is a copy of the letter I sent to the company : Wells Fargo Home LoansDear sirs, I received a call today that was very disturbing. I want to express my concern that your collections department is out of control and using bully tactics, high pressure tactics to compel a payment when it is not necessary is poor customer service. 
I have never had a call from collections before the grace period is expired in the 14 years I have had my loan with Wells Fargo or the companies it purchased loan paper from. I was answering a " no caller ID '' phone call when I was assaulted by your collections representative and I hung up the phone when he was rude to me after I got him to admit that I was within the grace period for payment. These abusive debt collection activities are not welcome. Whenever I am asked, I say no to the question of being set up on an auto dialer. This is in keeping with the Fair Debt Collection guideline : under the heading 806. Harassment or Abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I want to strongly suggest that he is the kind of collections rep that will give you a bad name. He was disrespectful in his tone and very cold. 
I conjecture that you are training people with this style of collection methods or the department has too many employees so they are making unnecessary calls to practice on people like myself. The only other reason would be that the company is in trouble financially so they are resorting to collecting from those who use the grace period to make sure all bills are taken care of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We make our payments on the 1st of every month and America 's Servicing Company receives the check and cashes it, but never posts it so it shows up on my credit that we 're 7 months late when we 're not we are current.

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent Wells Fargo several Qualified Written Request ( QWR ) through CFPB, XXXX XXXX and HUD to find out how much was owed on the account XX/XX/2016. Wells Fargo has sent me documentation through the CFPB portal that the balance on the account was {$8100.00} On XX/XX/XXXX I received a letter that they there was going to be a HUD Pending Acquisition of the property. I responded to the letter on XX/XX/XXXX by certified mail notifying all parties of the error on the account Wells Fargo made and requesting that balance can be spread out in monthly payments and the account need to be updated to reflect the amount owed. 
I received a letter from Wells Fargo dated XX/XX/2016 stating that the account was updated. 
Then on XX/XX/2016 my account has placed in active foreclosure.

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 2016-05-23
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( XXXX ) and by them! The collections were removed by Deversified on XXXX XXXX, XXXX and was removed by ( XXXX ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX. 

I request that they verify the following information. 
1. Registration/License Number that allows them to collect in the state of Louisiana! 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

Company response to consumer: Closed with explanation