BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: SLM CORPORATION
State: AE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is the second complaint I have filed against Sallie Mae. I took out several loans between XXXX to attend school overseas at XXXX University. After studying I was married and moved overseas once again with my husband for the military. Finding work here is scarce and we are relying solely on a single paycheck. I have now been dealing with attempting to repay Sallie Mae since XX/XX/XXXX, I am clearly frustrated and at loss of what further action to take! I have been attempting to make payments which have been reversed/not accepted and my total balance and interest are constantly increasing to unreasonable heights. After being forced into forbearance multiple times, and paying hundreds of dollars that will never be applied to my loans, I am now being threatened with the default of my loans. I have asked numerous times for the amount to be reduced to an achievable payment and this request was, of course, denied as well. This company will not work with me, only against me, and I am feeling quite out of options at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Kay jewelers has been incorrectly reporting a over 6 year old debt to my credit bureaus. It has been reaged every time it was sold off to another collection agency and is still in the name of the original creditor who no longer holds the debt.The XXXX now owns my debt and has been unable to validate the original date as it has been closed and in collections for over 6 years. They are refusing to remove the negative account on my credit reports and have been negatively effecting my credit score each time they reage my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2015 my then boyfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began began showing us rings and at first was very helpful, however when we told him we were unsure about how my boyfriend could afford to purchase a ring he started telling us he could check and see how much he could be approved for. He started having my boyfriend fill out forms and had another employee show me other rings. Eventually he came to me stating he needed my drivers license, and a few minutes later started asking me about how much I made and where I worked. He filled out half of the form for me and then had me sign at the end. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my boyfriend, XXXX XXXX, and I and XXXX for just my boyfriend. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening accounts. He took advantage of us being first time buyers, he fast talked my boyfriend about him being in the military and distracted me with his other associate, showing me other rings. These open accounts have now dropped my boyfriends credit score, which he has worked extremely hard to improve over the last few years, and have put a hard hit and an open account on mine. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and a service member, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from my XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file XXXX and submit a formal complaint on Kays employee conduct.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a XXXX. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate XXXX. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by XXXX %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I communicated with XXXX from XX/XX/XXXX to solve the problem of their service. They were not able to solve the problem, I closed my account with them the morning of XX/XX/XXXX. Their billing cycle closed on XX/XX/XXXX. Attached is my log of the calls which I made to XXXX with their dates. I have taken these from my daily journal. Attached is a file of the details which I sent to the first collection agency XXXX assigned to collect. The first collection agency was sunrise credit services. See the attached pdf file XXXX. This also has the information that I had sent XXXX their equipment back to them. 
They had told me that XXXX  is charging for equipment not returned to them. I sent a second Fax with the receipt of XXXX equipment sent to them by XXXX ( as per XXXX request ). I also asked them to send the details of the {$210.00} bill, which I never received. I was told that since my account was closed they could not send me any details. I did not hear from sunrise credit service again. See XXXX for their info. XXXX was the letter sent by XXXX I did not receive any bills from them detailing the amount. See XXXX for their last bill sent to me and there is a credit since I paid them on XX/XX/XXXX for the amount I owed them. 
I was contacted by Diversified Consultants in XX/XX/XXXX. See XXXX. I told them that I contest the billing. I have not heard from them. They do not have a fax number on their letter. 
I do not think that it is fair to get multiple collection services after me and XXXX not giving me information on their last bill. If they are charging me for equipment then they have received their equipment. If they are charging me for closing their services, then they are wrong on two counts. 
1.My service was started as with no contract. 
2. They could not provide the services so I had to close their account and ask XXXX to install their equipment. They installed new modem which solved the problem which I was having with XXXX. 
I have XXXX XXXX XXXX and I do not appreciate XXXX hounding me with multiple credit services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Application processing delay

Complaint:
I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am user of chase freedom credit card. However, Chase put my account under security review for no reason. Worse still, when I called the customer service, I got transferred to different departments and being asked same personal questions over and over. They keep promising me I would receive a phone call within 24 to 48 hours. However,5 days has past and I got nothing. I volunteer to call chase yesterday and talked to a representative, answering all the security questions. Finally, she told me my account is clear and available to use again. Today, I called the customer service and was told that the account is under security review again. XXXX Everyone 's time is valuable. Chase is inefficient and chaotic, which waists my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. 

I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been having problems with select from the very beginning. We tried to do a modification, we made every payment on time. We never received the final paperwork to complete the modification. We later tried again and the same thing happened that time as well. We want to stay in our home but we want to do a modification. We continue to make payments every month and they send them back every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it XXXX concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX, and XXXX XXXX is my daughter 's name. I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are either not current or just wrong, since the only names I have ever used are XXXX XXXX and XXXX XXXX, but only while I was married, and XXXX divorced, in XX/XX/XXXX, I returned to my maiden name, XXXX. I am contacting you to correct these errors, because they are hurting my daughter 's credit report, as it seems you have us as the same person. My daughter has been working on correcting her credit report as well, since a lot of my information can also be found on her record. Also, my birthdate is reported incorrectly on my credit report. I was born on XX/XX/XXXX, not in XX/XX/XXXX, as it is reported. 

I have lived at my present address : XXXX XXXX XXXX, XXXX, MA XXXX, for 15 years. I lived at XXXX XXXX XXXX, XXXX, MA, XXXX, before that. I have NEVER lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXXXXXX. My daughter has lived in some of the following addresses, not me, yet these addresses can be found under my XXXX daughters record as well. My daughter and I have different social security numbers, and we share the same first name, and XXXX last name, and in the past, the same address. I need my financial account separated from that of my daughters, because of these errors, when my daughter requests a change of address, my mail is also redirected to her new address, since in my credit report I am reported as having lived where she has erroneously. Lastly, I have some defaulted student loans and they do not show-up on my credit report and I fear they may be lurking under my daughter 's credit report. I need help in removing my daughters name and addresses from my account, in the hopes of separating our financial records. I have provided documentation to prove my name and addresses, along with my student loans, which should be under my name. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fill I was overcharged with fees, expenses and other charges on a loan modification agreement with my mortgage company ( American Servicing Company ). My mortgage ballooned from XXXX to XXXX dollars during the housing market crash in XXXX. 
I was in a bankruptcy situation with my house and was told to stop any payments on the mortgage during the bankruptcy. Well almost 3 years went by without any payments or contact with my mortgage company. They told me with the amount of other bankruptcies that they were overwhelmed and that they would get back with mine when they can. I was desperate to save my house so I waited for almost 3 years with no payments. I finally agreed on a loan modification so I had a home for me and my wife to life in. 
The problem is I fill is the amount of late fees and other expenses and almost 3 years of mortgage payments that were all of the sudden added to my mortgage. 
My mortgage went from {$250000.00} to {$330000.00}. {$72000.00} was added to my mortgage. 
principle {$250000.00} interest {$56000.00} escrow {$13000.00} late fees/nsf fees {$2600.00} recoverable expenses {$4300.00} {$72000.00} added to a mortgage from someone who is in bankruptcy already who is having trouble paying there mortgage to begin with, to telling them not to pay anything for almost 3 years then add all that interest, late fees, recovery expenses and escrow money seems like this should have been illegal. I thought 3 months was the amount of time for a bankruptcy, not 3 years. The loan modification should have been denied to me. I signed it at the time because I was desperate to save my house. Now the mortgage is getting to be to much for me.My question is there anyway I could find some relief from these charges or have some of these fees and charges reduced to lessen my mortgage. The total amount of money I borrowed to begin with was {$170000.00} to purchase my house 13 years ago, now I owe almost {$330000.00}. I am way underwater now on my mortgage. American Servicing Company which is owed by Wells Fargo was my mortgage company at the time. And I now know Wells Fargo has done criminal activity and am wanting to see if something illegal or something wrong done in my situation to add so many expenses to my morgage. 

My complaint is with American Servicing Company from XXXX loan modification agreement. American Servicing Company has since moved my mortgage to XXXX who is know handling my morgage.

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 2015-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing an invalid tax lien ( # XXXX ) with Transition and they continue to refuse me a reinvestigation. I have forwarded to them documents and lien removal letters via certified mail and yet they have not verified these items with the state clerk in order to remove the lien from my file. I have called the tax liens office to ask whether a member of Transunion has contacted them or forwarded ant of my documents to them and they have informed me that no one has. I am so frustrated with Transuion then constantly shutting me down. It is their duty to do a proper investigation and i have been waiting over 90 days fro result. I have called and it took me days to reach a reprsentative who claims that no paperwork was received and no further investigation will be conducted. I do not understand what is going XXXX. whether they are lying to me or purposely losing my documents? This lien is not valid and must be removed. I can not obtain a job, nor can i rent an apartment because this is causing a severe affect on my life and this credit monitoring agency does not care and pretends to have not received my documents refuting their verifications. this item should never have been verified. i am speculating that their systems may be outdated or something. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2016, my husband and I began a loan repayment plan for our home mortgage which was past-due with Wells Fargo. The repayment plan was for six months and each monthly payment was to be {$1200.00}. 

We recently completed the plan this XXXX, however, we received an 'Urgent ' note on our door telling us to contact Wells Fargo Mortgage, immediately. We also went online and reviewed our last mortgage statement and the last two payments that we made are not reflected on our statement leaving us with a past-due balance of {$2700.00}. 

XXXX, our XXXX, is the representative specifically assigned to our case. We have made numerous efforts to contact XXXX, but have not been able to get in touch with her. We have, however, spoken with at least three other Wells Fargo specialists only to be told three different things. One representative told us that we had only made partial payments and that we still owed almost {$800.00}. Another representative said, that according to information on her screen, we had not made a mortgage payment in 47 days. 

I have attached all the necessary documents to verify that we have complied and made all of the payments of our repayment plan. We would like our account to be credited and brought up to date immediately and we would appreciate your help in facilitating this matter. 

Thank you kindly, XXXX and 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 2015-04-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage has been stalking my home for months due to my family not being able to get the monthly payments in on time. The past two days I have been approached by one and followed by another. Which resulted in XXXX phone calls to the mortgage company to cease and desist having my home watched and was told they would not stop. This in turn resulted into me calling my local police department to file a formal complaint for stalking on a daily basis and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I tried to obtain a loan to consolidate our debt AND also tried to obtain a mortgage loan. However, we were denied for consolidation loan from our credit union accordingly, due to too much debt-to-income ratio. We were also unable to obtain a mortgage loan any higher than {$170000.00} from the XXXX XXXX and no more than {$160000.00} from a XXXX XXXX XXXX loan at an extreme high interest rate because again, too much debt-to-income ratio. We later learned that Wells Fargo Bank made an erroneous credit report to the consumer credit reporting agencies. We had a regular XXXX account with Wells Fargo but they later upgraded our account to a " XXXX XXXX '' and transferred the balance over to the new Signature card and closed out the old regular XXXX account. However, Wells Fargo failed to correctly reflect this change. Instead, they reported both the regular account with the old unpaid balance and the same unpaid balance on the XXXX account to the credit reporting agency. Thus it seems we have XXXX Visa account with equal unpaid balances. This negatively impacted us by lowering our credit rating and higher debt than the actual. When I contacted the Wells Fargo Bank to correct this error, they wrote back stating they saw no erroneous reporting. We contacted Wells Fargo Bank again and spoke with another agent named XXXX XXXX of XXXX of Wells Fargo who correctly identified the error and agreed to update our credit and reflect the closure of the original regular XXXX account. However, my husband and I have already suffered a damage because of their error. We feel the credit reporting agency has failed due diligence as well.

Company response to consumer: Closed with explanation