BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: GVA Holdings, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was looking up payday loan companies online and came across this payday loan website XXXX and they advised that i can get a payday loan in five minutes. I filled out a ll the info that was asked and was contacted via e-mail by Northern Plains Funding , LLC. Then was contacted by an agent that advised me that i was approved for {$300.00}. Went through the process of verifying all my info with the agent like my contact info, place of employment and my bank information by calling my bank on 3way with the agent on the phone asking my bank questions to verify that it was my bank account and in good standing. 
The agent then advise that she will be e-mailing me the agreement and the way that it was explained to me is that I can make pays of {$90.00} per pay period or i can just pay the loan off in full, but i was not made aware that i would have to pay {$2300.00} on a {$300.00} payday loan i understand that payday loans can have high interest but not that high I have done previous payday loans in the past and paid nowhere near {$2300.00} in interest. Once I got the money I looked over the loan in more detail and seen all the interest that was being charged. I then did some digging only to find out that this company do not have any business license in the state of California or in XXXX XXXX county for that matter. I spoke with a agent from DEPARTMENT OF BUSINESS OVERSIGHT and they also tried to look up this company only to find that this company is not licensed to do business in the state of California. I was also advised by the agent that this company is on a XXXX reservation doing buiness, agent then adivsed me that i will need to file a complaint through Federal Trade Comission sense this company is located on tribal land. 
I have only made one payment of {$90.00} so far to this company thru direct deposit which i sent a e-mail to the company advising them of Revocation of ACH credit and debit no later then XXXX XXXX. 
From my understanding per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT website maximum fee a payday lender can charge is 15 % ofthe face amount of the check ( up to a maximum of {$45.00} ). but this company is charging me well over 15 % and well over the maximum of {$45.00}. 
This loan has a Annual percentage rate XXXX % .This loan is from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
And also per CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT The lender does not cash the check until the borrower 's next payday, up to 31 days. This lender has clearly went over the 31 days allowed until my next payday the lender is requseting that i make 24 payments of XXXX and the last payment of XXXX. This lender is advises that all the payments will be applied first to the finance charges and fees {$2000.00} then to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the  one liste d on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is no t one but I  requested it just in case I w as remiss. I  do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.

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 2017-05-19
Company: Experian Information Solutions Inc.
State: PA
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:
I filed for XXXX XXXX Bankruptcy on XXXX XXXX, all credit cards were closed. On my credit report I still get a high credit usage from XXXX XXXX. I disputed it to Experian and the result was that the XXXX card was closed it on XXXX XXXX XXXX. However, the XXXX XXXX keeps reporting to Experian that my credit card utilization is high which lowers my already poor score. It has kept me from establishing new credit as well as obtaining a mortgage through a commercial bank with an FHA approved 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 2017-04-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After having a checking and joint checking account with Wells Fargo for more than 23 years I received a letter from Wells Fargo in XXXX of this year advising me that after reviewing the account relationship they had decided to close my accounts. No reason was given and no one could give me any reason for this arbitrary decision. I am in my mid sixties and have not had any bounced checks or anything negative. I also have a very good credit report. This unilateral and arbitrary decision has harmed me and turned my life upside down. I 've had to stop automatic payments, deposits, etc etc. I think it 's disgraceful that a huge financial institution which engaged in fraudulent activities should be allowed to unilaterally close muy account. As a senior citizen I expected to be protected from harmful banking acts. Your help will be appreciated

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 2020-08-18
Company: First Federal Credit Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collections agency has called a few times and let the phone ring 1x then hang up there has been a time or 2 for which i was at work and recieved the call. They were not understanding that i live in TX so the law to collect is 4 years for which this debt is past that time and I have contested the infomation on my my credit report but they keep saying that it FIRST FED CREDIT CONTROL Last reported XX/XX/XXXX {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the De partment of Economic Security an d was advised that I am current in my child support obligation. I hav e 50/50  custody of our children and am being penalized as a responsible Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.

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 2016-09-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in foreclosure status with wells fargo, I have asked to be rereviewed for a loan modifcation, but will not alllow me back in due to my history of broken payment plans. Although there were reasons why I broke the plan and was in constant contact with the back. 
Also they lost my original note, have sent letters to my job which breaks confidentiality, THey do not return calls in a timely fashion and are put on hold for over 45 minutes at a time. AFter speaking to HUD along with the XXXX XXXX XXXX, Wells FArgo still refuses to work with me to give me another chance.

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 2017-05-19
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is now the third complaint I have sent to CFPB after  Ditech.      For the same reason, there seems to be a concentrated effort to relay contradictory or false information to us. Today is   XXXX   XXXX   XXXX    , and we just got off the phone with them. On Friday,   XXXX   XXXX  ,  Ditech left  a door hanger saying call this number for important info regarding the loan. So we called. No answer and no response to calls and voicemails left on Monday the  XXXX . Friday we called. We spoke to an  XXXX , who was finally able to confirm they did receive loan mod docs but it was rejected. She said THEY NEVER RECEIVED ANY COMMUNICATION FROM  US  about a settlement offer. Which we have sent them multiple times! We even sent CFPB a copy the last time I issued a complaint. This is very stressful and to hear they have not received documents which they confirmed they have already received in the past is so frustrating for our family. We are truly doing our best to resolve this issue with  Ditech. Ditech k eeps changing the documents they received vs what did not receive. What can I do to get some consistency from the correspondence from them? This is a dire situation for our family and we are scared our homes. We are doing our best to comply wit h Ditech but  they keep losing our information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA Bank - I attempted to make a deposit and the funds were placed on hold. It was a {$20.00} deposit. They will not take any other methods of viable deposit unless it 's a Wire transfer ( going to cost me XXXX dollars from my bank XXXX or a cash advance off a Master Card. 

Sadly, I do n't own a mastercard. I only have XXXX but they wont accept that. They told me they wont accept a cashiers check/money. I have no way to make a deposit and they are going to access me a feel. 

Just to note, it 's XXXX XXXX and my debit wont hit the bank until the XXXX. They have my deposit on hold until XXXX XXXX. With no way to deposit, I can not avoid the penalty even though I contacted them 2 days in advance. They are going to charge me a {$39.00} fee on a XXXX dollar debit. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: AZ
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:
I sent Certified letters to  XXXX  and Equifax on   XXXX   XXXX   XXXX   ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  discharged  on  XX/XX/XXXX . I also sent a fax to Equifax on  XX/XX/XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my credit score has dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XX/XX/XXXX  confirming that I am no longer responsible for these  XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have already disputed the medical collection with XXXX, XXXX, XXXX, and also the collection agency about this inadequacy. XXXX has removed the collection unlike transition and XXXX who has not appropriately investigated the matter. I have enclosed the dispute letter that had been sent to each. Also, I have now written an appeal letter to the VA about the medical debt, and have included it with this complaint. Dates : XXXX, 2016 Amount : {$1500.00} I have disputed with bureau of Economics, the VA and all XXXX credit bureaus. XXXX responded appropriately and had removed the collection.

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 non-monetary relief
Consumer complaint received 2017-05-19
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had problem with citibank. About 6 years ago, I deposited check that I got from my friend 's parent that my friend owed me. Parents were staying in  XXXX   XXXX  and they were confused between check they had and accidentally gave me check from closed. Also, About three years ago, I got suspicuous check so I personally went to the bank and asked if the check is okay, and they confirmed so I deposited the check. Due to that transaction, citibank closed my account and ever since than, they are not allowing me to open checking account with them. Very bad customer relations

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 2015-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a loan at Wells Fargo Bank. Locked in to a rate of 4.375 %. After I paid for the appraisal out of pocket, the mortgage representative stated : '' Unfortunately I have some bad news and I wanted to get it to you before I left the office this evening. When we had first taken the loan application the appraised value that was entered was based off of evaluations by pulling property profiles. Upon speaking to you regarding the conservative appraised value, I changed the number in our system to reflect a {$270000.00} value we had spoken about. The unfortunate news centers around the system not saving this new {$270000.00} value which in turn change the pricing. Today we received your appraisal. The value came back higher than anticipated at the number of {$290000.00}. When this information was entered into the system, it in fact did change the pricing which is making it so we would need to charge you, or decrease the cash back by {$1000.00} in order to get you in at 4.375 %. I have begun putting together a request to reduce this amount as low as we possibly can to keep you at the desired rate. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an outstanding bill of  XXXX  ( for services I did n't know I owed ) with   XXXX   on   XXXX   XXXX  nd I currently receive statements from them just fine via email and at my current address. I paid this debt and even spoke to a rep at  XXXX  and said I was fine and it was from a service rep coming to my house for additional services.   On  XXXX / XXXX /  XXXX   I received a call from a collection agency in Kansas for an unpaid debt with  XXXX , I then asked what this is for and they said for {$100.00} and I said for what and they said for  XXXX . I hung up and called  XXXX . Both the billing dept and Collections dept told me I had a  XXXX  balance with them. Then they told me they could n't help me and I needed to speak to billing again. After telling them I was called by a collection agency 5 times they finally looked into it and stated I owed {$100.00} for a unreturned modem from the previous address. I stated I gave that to the technician. They said they do n't see that in their records. I told them I always pay my bills if I miss a bill I pay it as I have before. I also asked for proof of this as I have received nothing in the mail from them saying I owe this. They could n't answer any of my questions but say they sent it. However I received the  XXXX  statement from them just fine and other previous statements. I also said I called in several times prior and this was never brought to my attention. They said it 's not the rep 's job to look at every account. I sign online and my account says I have a  XXXX  balance and I have no messages or notification. I am not paying for something I gave back and have never received ANYTHING in the mail or email that I owe. They can use the excuse of " it 's a different account '' all they want but my email has not changed so they could of sent an email but they have n't. I feel as this is mistreatment and should be reported so no one should go through this as well.

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 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: IL
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:
XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT. I have recently been informed that there is negative informat ion reported by   XXXX   XXXX   XXXX   in the file equifax maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.   Please validate this information with   XXXX   XXXX   XXXX   and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of equifax 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file

Company response to consumer: Closed with explanation