BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
" I esculated the call to the executive office to hear from their representative XXXX XXXX that Wells Fargo is in their right to call anytime after the first of the month as I am technically in default ( delinquent ). This is the first time I have ever been harassed with a collection call on a payment due within the grace period. 

XXXX seemed not to care if I contacted the regulators such as the OCC since the OCC would side with Wells Fargo. Nor was any care about reputational risk from bad media event for harassing a good paying mortgage customer. 

I am asking that this practice of calling customers to collect debt during the grace period stop. ''

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 2016-12-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We applied with Keep Your Home California ( KYHC ) hardest hit fund for assistance with foreclosure. We were approved on XXXX XXXX, 2016 for the Mortgage Reinstatement Program to bring us current on our payments. Wells Fargo received the funds from ( KYHC ) on XXXX XXXX, 2016. They mailed us a statement to make our XXXX payment. On the statement it gives different payment options. By phone is XXXX option that we tried and their system would n't allow it. Taking the payment to any local branch is another option that we tried on Wednesday XXXX/XXXX/16 and it was blocked from making a payment. The branch manager called them on the phone and was given the run around. They finally put a rep on the line to speak to me. She stated that the hold on the account would be removed on Friday XXXX/XXXX/16 to make my payment by phone or come into the branch to make my payment. I came back on Friday and again could not make my payment. The manager assisted me again and placed a call to them. It was a long wait before they got somebody to speak to me. a representative got on the line and referred me to the Trustee, which is the foreclosing agency that has an upcoming scheduled sale date on my property. I informed the Wells Fargo rep that I spoke to them on Wednesday and they told me that they get their instructions from Wells Fargo. I asked her to put a supervisor on and after a very long wait, someone got on the line who said she will look into it and give me a call. We want to be able to make our payments moving forward and keep our 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 non-monetary relief
Consumer complaint received 2017-03-08
Company: M. G. Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have requested " VALIDATATION & Not Verification '' of this debt for on months ... Have yet to seen the proof as required by the Federal Law. These are not my accounts! 

There are accounts own my credit report destroying my credit report from : M.G. Credit account # XXXX account # XXXX account # XXXX account # XXXX My score was just an XXXX on XXXX and not XXXX because these accounts updated as " Late '' ; however the accounts are " Closed '' Please provide legal of lawyers to speak with about this matters as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: One Technologies, LP
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX and continues to withdraw money from my checking account even after FTC has sued One Technologies. We have never used these companies and do n't know how they got our personal Info. Case # is above ( XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a call on my work phone, I stated this is a work number but refused to care. She ignored my request for information on why they were trying to contact me. After back and forth she gave her name and company XXXX with National Credit Adjusters. I told her this is a work number and please remove off call list. She said they will continue to call this number and was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX, 2017, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was approved and was issued by Chase Bank. I contacted Chase and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case and a notarized Affidavit of Fraud.This was mailed on X/XX/17. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. I also faxed a request to the Chase Correspondence Team on XXXX/XXXX/17 and have not received the information. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: AES/PHEAA
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. XXXX and XXXX aren't reporting my monthly payment on my student loan.

2. XXXX  has on my credit report " Potentially Negative Account '' flagged on a lot of my credit accounts even if I was late 1 time. 

3. XXXX  has an address listed that I never lived at 4. I can't submit a dispute report to XXXX  at all. Very Difficult 5. XXXX  has that I have 10 charge off 's on 1 XXXX XXXX XXXX, I thought you could only chare off an account 1 time. 

6. XXXX has another XXXX XXXX  XXXX  of mine saying I charged it off 13 times which is inaccurate. Should only be 1 time. 
7. XXXX  has an account of mine, XXXX XXXX is reporting that I have 2 charge off 's and that's inaccurate. 
8. XXXX XXXX is reporting that I was late 6 times and that is inaccurate 9. Information is not being updated on my XXXX  Credit file from XXXX  and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I took out a loan through XXXX XXXXXXXX, they have XXXX servicing my parent loan for my daughter. The problem is my loan documents state XX/XX/XXXX at my start date to start paying interest. They somehow say they have another loan document that I did not sign or ever see when I had called showing it was to start I believe XX/XX/XXXX. I only found out when I started getting emails on XX/XX/XXXX that I have a negative mark on my credit report it was showing over 70 days past due. How can I be past due when interest payment were to start on XX/XX/XXXX. I never received any bill in the mail that anything was ever due. I also never received a voicemail about a late payment. When I had called they told me I was signed up on electronic statements. The lady I spoke to didn't know how I was signed up for electronic statements when I didn't or couldn't even create an online account. I couldn't at the time after I found out about late interest payments create an online account because somehow they had my last name as my maiden name instead of my married name. I sent a letter to them and received the response back that they will not correct my credit. I feel they charged me interest payments that were not due at the time. It was stated that 60 days from the loan that interest charges were to start.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loans are held with Navient and they were put in to defferement without my knowledge. After emailing them several times with no response we had to call and start payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : FACTUAL DATA Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
For over a year, Representatives from XXXX XXXX XXXX ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a Sallie Mae Loan that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. XXXX XXXX XXXX representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a Sallie Mae Loan. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Credit card information was stolen, a fraudulent card was issued and subsequently used to make multiple fraudulent XXXX XXXX purchases. After reporting the fraud to Bank of America credit card co. I was told that the merchant had to be contacted and the original card number needed to be deleted from XXXX database. The BOA rep was going to connect to XXXX with me on the phone and dropped the call, no return call even though they had my contact info. So I called again, this time the phone agent told me their call volume was too high and she would not be able to make the outbound call and I would have to make the call myself even though she knew that she needed to be on the phone with XXXX. Also shared that it did n't matter how many times BOA reissued a new card number, because red box subscribes to " XXXX Account Updater '' software that fraudulent transactions would be automatically be fowarded to any new accounts on file. 
These are terrible processes to put a victim of fraud through. Apparently BOA and XXXX XXXX do not have processes in place to stop the fraud even after it 's been officially reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: PA
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:
My issue is with XXXXNavient. I have been dealing with them for 10 years now and am at the end. From deceptive practices, to late fees, to repayment fees, to outright lies it 's all there. I would like to be part of the lawsuit if possible. I am attaching all documentation I have including a detailed timeline and the latest letter that was sent requesting the release of my parents as cosigners. The latest issue is that I am in a repayment program with no paperwork, they refuse to change the due date on XXXX of my loans and keep charging me late fees although the program is set up for the payment to be direct debited on the XXXX of every month. Again I am attaching all detailed paperwork so you can better understand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I knew that I was eligible to consolidate my student loans, half of which would come due 6 months later ( XX/XX/XXXX ), the other half immediately. I began calling Navient the day after I graduated to set a forebearance on the necessary loans so they would all be due in XX/XX/XXXX, allowing me to consolidate them all at once. Once they were notified of my graduation, they were happy to do this for me. 

Three months later ( XX/XX/XXXX ) I start getting notifications of payments due that month. I called again and spoke to a supervisor, and they said the agreement we made was only for my government loans, not the private ones. Even though they assured me in XX/XX/XXXX that ALL of my loans were included, they would not defer my loans as promised. 

My private student loans with Navient total roughly {$27000.00}, and the payments are roughly $ XXXX/month. Additionally, they wanted to charge me $ XXXX/loan ( XXXX ) to lower my monthly payment to a realistic amount. Since I could not afford an extra {$150.00}, they could do nothing more for me. 

After hitting my credit with a 60 day past-due notice, I called again to try to negotiate a reasonable payment. I was told that I could either pay the past due amount ( $ 1,000+ ) and request a lower payment, or allow them to take payments out of my bank account monthly. I explained that I do not get paid on the same day/date every month, as it 's a 2 week pay period. I was offering to make payments if they could make them reasonable, but they refused to help. Not only was the agent refusing to look at my account to see the previous conversations I 'd had with other agents, but he lied and told me no supervisors were in the building XXXX-XXXX. Roughly 20 min later, a supervisor called me back. She refused to apologize that the agent lied to me, or even acknowledge it. She then informed me that she will be referring my account for litigation and disconnected the call. 

I WANT to make payments, but they continually lie to me and refuse to accept any type of agreement that would n't overly benefit them. I do n't understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Sadly, this is a continuation of closed CFPB Case # XXXX, also submitted by me. That case was closed as HSBC committed to fixing the issue, but they have failed to do so. The issue is that HSBC US failed to honor its committment of a new account reward for opening a checking account back in XX/XX/2020. As noted in my prior complaint, I interacted via HSBC 's chat feature so confirm that I would be eligible for a {$750.00} new acct premium so I opened a checking acct, deposited {$500.00}, and switched my direct deposit to HSBC. Those actions would meet the requirements. Subsequently, HSBC never gave me that new account premium, and each time I sent a secure message to them ( provide in my last case ), I got a, " we need time to research '' response - this went on for months. After i complained to the CFPB, they responded that they couldnt connect my new acct to a premium offer ( which is rediculous, and sounds like UDAAP ), but that they would fulfill the reward within 4 weeks. here we are again, a few months later ... .no credit from HSBC , ad I almost lost it when the response I got to my last inquiry about when the credit would post with a notification that I am not eligible for a promo offer. Not sure if HSBC is harshly deceptive ( this has to be fine-able ) or just truly clueless and cant keep their commitments ( still unfair to customers,. and warrants further investigation ). There is likely a much bigger issue here worthy of at minimum an audit of their promotion communicationa nd fulfilment practices. For my personal case though, i want this resolved with them honoring thei new acct premium of {$750.00} which I orignially applied for, or if necessary, then the {$700.00} max promo which they alleged was the only premium I was eligible for ( my direct deposits were large enough I would have maxed out that $ XXXX/month, not to exceed a total of {$700.00} they communicated in their response to you last time ). I won't accept less than {$700.00}, even though they should be made to provide all of the marketing they had in place in XXXX XXXX, and unless they are deceptive in their response to you, there you will see their {$750.00} offer which I originally became aware of through nerdwallet.com. Thank yo uvery much for working with me to have HSBC keep their published new account premium commitment as well as the commitment they made to you and me in their response to the original case. I've had bad customer service frpom companies before, but this absolutely, and easily, sets a new low. thank you again for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
RE-INSERT ALL ACCOUNTS INTO MY CREDIT PROFILES WITH  XXXX  OR BE SUED IN CLASSACTION EFFORTS.     THE CREDIT FURNISHER PAY   XXXX   MILLIONS IN FEES AND NOW ARE PUTTING YOU BANK IN JEOPARDY!     YOU HAVE 15 DAYS TO COMPLY OR BE SUED ALONG WITH  XXXX .     THEIR A  RE 100+ CONSUMER REPORTING AND CLIENT REPORTING LAWS BEING BROKEN.
THE DODD FRANK ACT EQUAL CREDIT OPPORTUNITY

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: SQUARETWO FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief