BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I want to file a complaint about Wells Fargo. I do not recall ever opening the account for the XXXX XXXX Credit Card, which leaves to believe i was one of the victims of their scandal. Because I am afraid of the damage that would be inflicted on my credit report, I have decided not to close the account at this time. Instead in recent months, I have decided to start using this Credit Card. In addition to the complaint that I want to file for them opening an account in my name without my consent. I want to compain about how unsatisfied I am with the service of this account and want to express my displeasure with them as they have not responded to my direct inquiries. The credit card in question takes approximately 3-4days to post a transaction, which I believe is completely unacceptable and believe it is a huge security risk to my account as I am unable to monitor transactions as closely. For example, if I were to use my Wells Fargo debit card, it is almost instantaneously posted to my online profile as a " pending Transaction '' I should expect the same kind of fast service with this other credit card. I hope this gets fixed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: National Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back inXX/XX/XXXX I gave a debt collector representative from National Credit Services my information to process one payment of XXXX on XX/XX/XXXX. They took my information and processed two payments of the amount stated above, which caused my bank account to go into a negative. Due to this unauthorized payment they processed twice, I was negative in my account with XXXX XXXX. I filed a complaint with Consumer Financial Protection Bureau XX/XX/XXXX case number XXXX. They looked into this issue, had the bank do a reversal of payment because of my information being abused. Also this same company that abused my information ( National Credit Services ) sent me a two separate letters, stating my must sign authorizing the payments. I refused to sign and brought this letter to XXXX XXXX to scan and save. Today two National Credit Services representatives on the same line, called me on the phone at work, hassling me for my information and payment. I explained to them i 'm at work and am uncomfortable with giving them my information, due to the prior unauthorized payments. However I was willing to set up a monthly payment of {$100.00} usc on their online site. They explained to they were n't going to accept my monthly payment and said i was refusing to pay my debt, threatened to ruin my credit and keep me from being able to unfreeze my account and go back to and city or state school. Then, hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Windham Professionals, Inc.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am about to get garnished through a company where i have sent in all my documents so they can not garnish me. But they are sending me to fake websites like its the federal government loans but its not. Its fraudently sending me to a website like its the federal student loans and they are not. I asked for a hearing and have not received one just more threatening letters about garnishing my money. I can not afford to pay them right now i am trying to get back in school but the way they are treating me without working out any payment plan nor would they allow me to add them to the consolidation loan which i am waiting on answer from them and its been over 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Borrower paid {$210000.00} for XXXX, GA XXXX in XXXX, relying heavily on market value assigned by appraiser selected by Lender Wells Fargo Home Mortgage. Original mortgage balance was {$160000.00}. Current mortgage balance is approximately {$130000.00}. Mortgagor attempted and failed to refinance principal mortgage balance with Wells Fargo Home Mortgage in XXXX, XXXX and XXXX. Mortgagor invested more than {$50000.00} in property improvements from XXXX to XXXX. Appraised property value plummeted to $ XXXX in XXXX and $ XXXX in XXXX, according to appraisal companiesselected by Wells Fargo Home Mortgage. Mortgagor requested Lender to modify principal mortgage balance by {$40000.00} to offset hefty market-driven decline in property value. Lender declined. Mortgagor requested Lender to provide copy of original XXXX Application signed in XXXX. Lender could not provide copy of XXXX Application signed in XXXX. Mortgagor has been advised by other lenders that existing mortgage loan is non-conforming and is not owned by XXXX or XXXX XXXX. Wells Fargo Home Mortgage did not disclose to Mortgagor that loan is non-conforming and restrictive. On XXXX XXXX, XXXX, Wells Fargo Home Mortgage XXXX, GA branch Home Mortgage Consultant XXXX XXXX XXXX ( XXXX ) informed Mortgagor he had checked with his supervisors and learned mortgage loan is HARP eligible. Mortgagor requested HUD-GFE disclosure for HARP refinancing. XXXX XXXX XXXX sent Mortgagor XXXX Application that contained factual errors and disclosures for a Conventional refinance -- not HARP -- with interest rate of 4.625 %, and estimated closing costs of {$3300.00} that included appraisal fee of {$430.00} for Lender 's benefit only. Requested documentation was extensive, even though Mortgagor has a current FICO score of XXXX and more than 12 monthly payments in reserve. Every time Mortgagor contacts Wells Fargo Home Mortgage for copies of loan documents and resolutions, a different Wells Fargo Home Mortgage representative responds with dismissive rhetoric stonewalling requests and resolutions.

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: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XXXX 2016 I was contacted by a loan officer from The Money Source stating " I qualify for refinancing at a interest rate of 3.375 % from 3.875 % with no closing cost for being a good customer ". I was interested and ready to refinance. The process took months. I did not hear from the loan officer for weeks. I would call but no response. Finally I received paper work by email to refinance but it stated the interest rate was 3.875 %. I called the loan officer and told him the information was incorrect. Fast forward almost two weeks later from that interaction, I get the corrected paper work, oh and by the way it 's the end of XXXX. I signed all of the paper by email and sent them back. I waited no word from the loan officer for weeks. I called for updates, he said he will let me know. According to him, they were short staffed. During this whole time I was paying off other bills because I wanted to get a fresh start for the new year. So, I get a call from the loan officer stating that I needed {$3400.00} for closing and two bank statements to show that these funds have been in my a account. I told him that when the refinance was offered to me there was no closing cost he stated oh that 's just from a template. I was upset but I wanted the lower rate. I looked at my bank statements and see that the closing funds are not over the closing cost which he stated was required. I called and spoke with a manager because I felt the loan officer was n't providing good customer service and keeping me informed. He stated I had till end of XXXX to get another statement showing the funds in my account and everything would be ok. I received a call XXXX XXXX to inform me that I was denied for the refinancing. Loan officer stated all information needed to be turned in by XXXX XXXX. After waiting over three months and never being informed of these requirements in the first place makes me feel delude.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received many calls everyday from united collection bureau. They have never sent me any type of mail informing me of the debt they are attempting to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX transunion interact Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was married when the mortgage on my house was initiated almost 15 years ago. Both my husband and I had very good jobs. Since that time, we have divorced, and my former husband provides no support. I have had a change in employment, and I am now XXXX. The net result is that the household has a mere fraction of the income that it enjoyed at the time the mortgage was initiated. 
I have applied for HARP relief twice. Both times have been unsuccessful. I have a slight bit of equity in the property, and although payments are sometimes late, they are current. It is a struggle to make the payments each month, and very stressful. My credit card debt has increased because I have used credit cards to pay household expenses such as utilities and insurance while trying to make ends meet. 
My lender has no incentive to aid with HARP eligibility, because of the existing equity and the up-to-date payments. I have been told consistently that I do not make enough money to qualify for HARP. 
The brass tacks are this : if I make enough money to keep the current mortgage current, why do I not make enough money to pay a lower mortgage? 
I was also told that it would be helpful to my case if I were behind on mortgage payments. While the HARP application worked its way through the system, I withheld payments on this advice. The result is that I was still found ineligible, but my credit score decreased dramatically. 
I seem to fall into a borderline limbo. People who have higher relative incomes vis -- vis the same mortgage payment, qualify for REDUCED mortgages. However, I must endure the higher payments ( currently at 5.5 % ) despite lower income. How is this fair? The HARP program would be a godsend to someone like me and would make a world of difference in my month-to-month struggle. It would seem like I would be the poster child for such a program, yet it remains out of my grasp.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: U.S. BANCORP
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I was solicited by a banker at USBank : XXXX XXXX. He told me that he could refi an existing loan at less than 4 %. I stated that I would only be interested if this was a FIXED RATE LOAN. He said YES. After 4-5 weeks of supplying the necessary paperwork : personal and business tax returns, pers. financial statement, everything necessary to complete a loan .... I was told that I qualified for an ADJUSTABLE RATE LOAN. I reminded the banker that we had originally discussed a FIXED rate loan. 

My complaint : BAIT AND SWITCH 1. the loan was presented as an AR loan with a low 4 % interest rate as a teaser. The banker knew that I was only interested in the Fixed rate loan. 

2. There was improper documentation on the exact interest rate and the type of loan at the beginning. Had this been done ... there would not have been any misunderstandings. 

3. I tried to work it out with the bank, but they seemed intent on giving me the Adjustable Rate loan as opposed to the loan that was originally discussed. 

4. I paid my accountant to produce the various forms. In lieu of the misleading behavior of the banker : XXXX XXXX ... I have asked that the bank refund my acct fees ( {$150.00} ). They have not done this or suggested that they have done anything wrong. 

To summarize : Bank calls me ( I did not call them ) to offer 4 % rate on refinancing an existing loan. I was clear that I was only interested in a FIXED RATE LOAN. Banker says : fine. Banker does not put anything about the loan details in writing. 5 weeks later after all of the paperwork ... I 'm assuming that I will be presented with a Fixed rate loan. This did not happen. 

Bait and Switch. 


Thank you for your 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
Consumer complaint received 2020-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan is with Navient. 
When I was financially stable I set up a generous monthly auto-payment plan ( {$170.00} ) to lower my overall debt and keep interest down. I paid this amount for several months, but when I enrolled in school gain I turned off the autopayment and went into deferment until I finish school. 

Despite canceling the autopayment I was still billed. 

Their last withdraw put my account into the negative. 

I called the company, they said autopayment had been deactivated, and after i prompted them to look at my recent payment history they acknowledged their fault and said that they would refund the money, which they never did. 

This happened several times, I even deleted my debit card from my navient account payment methods and was STILL billed. They give me the same story each time : Navient : You are not on autopayment Me : Then please review the recent payment on my account Navient : Ah, I see. That is strange. We will resolve this and refund your money. 
Me : I will not be billed again, correct? 
Navient : Correct, we apologize for the inconvenience, I dont know how this happened. 

The last time I asked for a written document stating I will not be billed, which they said would arrive here by the XXXX ( call was on the XXXX ) today is the XXXX and I have not received a formal letter or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NV
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:
All inquires submitted below are a result of identity theft. I recently discovered through my new monitoring service them being reported I made efforts to remove these accounts from my file as they do not belong to me. All inquiry accounts were a result of fraud an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2017-03-08
Company: Niagara Credit Solutions, Inc
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Got a collection from XXXX XXXX XXXX in the sum of {$2300.00} for a credit card issued by XXXX Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
More files to upload as cfpb does not allow more then 10 MB, and total MB I have regarding is around 39 MB

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 2016-04-20
Company: SLM CORPORATION
State: NJ
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:
The lender Sallie Mae stated that they were unable / unwilling to follow my written payment allocation instructions. I used the CFPB guidelines for my instructions found at http XXXX Dear Sallie Mae , Inc. , I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal of the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the principal of the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal of the loan with the next highest interest rate. 
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified, or provide an explanation as to why you are unable to follow these instructions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: Terrill Outsourcing Group
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company contacted my daughter who said she was a authorized user on my XXXX account which was in collections.I never made her a authorized user.I called them back and explained to them that I could pay {$10.00} a month as now I am on XXXX because of XXXX.At first he said we could work something out.Then he came back and said that my daughter was legally responsible to pay this debt if I did n't pay them {$3000.00} in a lump sum.I told him I did n't authorize her and she and her husband were going to buy a house and if this showed up on her credit report her husband was going to have a fit.He went on to say that maybe she added herself and was doing things behind my back and that she needed to go and ask her husband for {$3000.00} so it would n't go on her report.I said no way since this is my card and she has nothing to do with it.His manager came on the phone and he tried to get my bank account # and for me to agree to pay {$46.00} a month when I had already told them I could only do $ XXXX.When I started asking him if it was true that my daughter was legally responsible he would beat around the bush.When I told him I was going to contact my lawyer and check into the tactics they were using he then said she probably wasn't.The first employee XXXX was telling me this I guess to scare me into asking them for {$3000.00} when they have nothing to do with this at all.She was n't even XXXX when I opened this account.After I came back on the manager and told him I was going to check into all the lies they were telling me he said I could just mail in $ XXXX.I asked the manager how his employee got my daughter 's phone number he said he did n't know.So I said ask your employee he called her and again he started beating around the bush.How can they harass my daughter over a debt that she had nothing to do with? Can they report to her credit when one of them said she was a authorized user and the other said he did n't know why her name was on there but it was there? Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation