BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In 2013 Wells Fargo offered us a loan modification. After making the trial payments totaling {$18000.00} ( and thus accepting the modification offer, per Wells Fargo ) we were told the offer had expired. We hired an independent attorney to assist with enforcing the modification ( at a cost of {$30000.00} ), which was unsuccessful. We were left with XXXX options ; foreclosure or short sale. We chose to short sale. We listed our home and received a cash offer for greater than fair market value. The offer was submitted over a month ago with all required paperwork. We also dismissed the lawsuit ( WITH PREJUDICE ) and provided Wells Fargo a copy of the recorded Dismissal. Currently the short sale review is on hold, because Wells Fargo counsel is demanding we sign a release agreement that among other things, would completely waive our home owners bill of rights. The Wells Fargo attorney is threatening to allow foreclosure to proceed instead of allowing the short sale to be reviewed. The sale date is XXXX XXXX, and we are trying to get the short sale offer approved before going to auction. We received notice from Wells Fargo they are in receipt of the offer and it is under review, however their attorney is still holding up the review process until the release is signed. We feel that the Wells Fargo attorney is angry we wo n't sign the release and dismiss the lawsuit WITH PREJUDICE ( versus WITHOUT ), and is using emotions and threats to block this entire short sale approval process, and instead allowing our home to go to auction on XXXX XXXX. There is currently NO LAWSUIT, it was dismissed. How can we be expected to sign a release for a lawsuit which no longer exists?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Lincoln Educational Services Corporation
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was kicked out of the 11 month XXXX program at Lincoln Technical Institute after approximately 3 months because I was exceeded their XXXX consecutive absence policy. However, the reason I was absent was because I was in the hospital. I have the hospital record showing I was in the hospital during that time and I 'm also attaching a breakdown/explanation of tuition as well as the Lincoln Technical Catalog. I 'm currently taking them to court to settle the remaining tuition debt that they are trying to collect from me ( approximately {$7000.00} ) because I was kicked out of the program and was not allowed to complete their program. I feel like I should n't have to pay the amount because I was n't able to complete the 11 month program due to them kicking me out because I was in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX/XXXX/2015 Complaint XXXX Follow-up : Dear Vice-President, I received your letter informing me your offices were trying to contact me regarding my complaint to the Consumer Protection Services about my Loan Modification. 
I disagree with Wellsfargo because my loan Modification took too long was wrongly completed by extension to 40 years? Monthly payment application are very wrong with interest and Principal!!! 
Loan Modification is NOT refinancing loan & is mandated by Govt to assist home owners in trouble, My payment should reflect 70 % payment towards Principal and 30 % towards Interest or worst case equal amount to Principal & Interest after Escrow deduction as was the case previously but this greedy wicked bank is trying to extort unreasonably. 
How can ONLY {$41.00} be Principal with {$180.00} interest out of {$400.00} - I have paid Wellsfargo Bank over {$130000.00} on a {$72000.00} loan over the past 19 years!! 
I am demanding immediate review & correction as stated of my Loan Modification at worst. Thank you, XXXX XXXX XXXXTel : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: SC
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2022-01-28
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a checking account at Chime Bank in my name on XX/XX/22. I started receiving emails stating the account was opened, a debit card was ordered, a visa was ordered, etc. I called Chime on the evening of XX/XX/22 to get help but Chime only had a recording giving an email address. I emailed and told them to close the account immediately. They responded later that night that the account was suspended and then responded XX/XX/22 that in order to permanently close the account I needed to reply to their email with a picture of my license and another picture of me holding my license. No one has called me to talk about this. The email from Chime didnt even have a full name or phone number of someone I could talk to. I did not send the picture of my license because I have no idea who the person is that is asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed it from my Consumer File. I then proceeded to dispute the bankruptcy with Equifax, and they are not complying appropriately with the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all the supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Equifax on XX/XX/2020 and attached the letter I received from XXXX. Equifax responded back with a letter that said that This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Equifax verified this information since XXXX had already removed it from my consumer report. I went to the recommended website to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for Equifax, Equifax performs the matching. 
I then again proceeded to send letters to Equifax dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Equifax. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked Equifax for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Equifax. Equifax has failed once again to comply with the FCRA. 
Attached is all documentation regarding my complaint against Equifax. 
I ask that Equifax complies to the Fair Credit Reporting Act and removes the item Chapter XXXX  Bankruptcy case number XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i check my credit report and notice a negative from PHOENIX FINANCIAL SERVICE ON XX/XX/2020 for a alleged debt of XXXX that i do not owe, I sent a letter on XX/XX/2020 to them asking for information concerning the validity of the entire debt from XXXX XXXX XXXX XXXX. I left a copy of the letter below for viewing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a citibank card that had no balance. I turned off the autopay during the COVID19. I used the card and forgot the autopay was off. I made a payment after the date when I logged in and saw there was no payment made. Then I was charged a late fee of {$29.00}.

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 2018-06-27
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to XXXX XXXX requesting that they validate, NOT verify a debt that they are attempting to collect from me. I asked for a signed agreement or other supporting document with my signature. They provided a billing statement which does not prove that I am obligated to pay them. A billing statement is not a validation. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 
I have never done business with the company XXXX XXXX and have no contract.

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 2016-02-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was divorced and the court made me sign a quit claim deed for the house over to my ex-wife. The VA loan on the house was in both our names. MY wife did not pay the house payments for over 2 years. Foreclosure papers we sent but my ex-wife kept them from foreclosing somehow. She moved out of the house. The bank again sent foreclosure papers. I contacted Wells Fargo to see how I could refinance the VA loan on the house to stop the foreclosure. I was informed by XXXX XXXX ( the sole holder of all the mortage information from Wells Fargo ) that a cease and desist order was placed on the account ( XXXX ) and he could not discuss my loan with me until that was removed. I ask what I could do to remove it. He said send me a letter asking for it to be removed. I faxed it over more than once. After sending this request I was unable to reach XXXX even after multiple phone calls ( leaving messages after each one to call me back ). The fax asked him to call me back. No response. I then tried to talk to anyone at Wells Fargo mortgage department as time was getting very low. Nobody could talk to me as XXXX was the only one I could talk to as the account was assigned to him solely. Eventually the house went to foreclosure and was sold for less than what was owed. I am a XXXX veteran ( XXXX ) I deserved to be able to try to refinance this house. Now I owe more than I can repay. Is this legal? What can I do about this? Thnak you. 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 2020-01-09
Company: Innovis
State: TX
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:
On XX/XX/XXXX, I sent Innovis a dispute regarding an inaccurate account listed on my report from XXXX CC. Innovis showed the account was " estimated to be removed from my report XX/XX/XXXX. '' I disputed this date because I could not determine whether or not it was accurate. Innovis did not show the date of first delinquency or a monthly payment history for the account. I disputed the entire payment history and the date of first delinquency for being incomplete. On XX/XX/XXXX, Innovis responded to my dispute and said everything was verified as accurate. How can information that is incomplete or missing be verified as accurate? It's simply not there. Innovis can not determine the date the account would be removed without at least one of these pieces of information. Due to their response, I maintain the account is not compliant with the FCRA because it is lacking critical information. In addition, Innovis violated my rights by not correctly investigating the account and removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: GVA Holdings, LLC
State: CT
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a payday loan for {$400.00} with North Cash on XXXX/XXXX/XXXX. They took the first payment on XXXX/XXXX/XXXX for the amount of {$95.00} and after that, they 've been taking {$55.00} weekly for 10 weeks. I called today XXXX/XXXX/XXXX to ask for a pay off amount and they told me I owe {$430.00} so I asked why if the loan was only {$400.00} and she responded that all the money they been taking out of my account was interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
My wife and I have been members of American Express Gold Card since XX/XX/XXXX. WIthout our consent or knowledge they started sending us XXXX Books periodically. For years we assumed it was a side benefit with the Gold Card Status. In XX/XX/XXXX my wife called and canceled the subscription. The book kept coming. Last year we called AMEX again and they said we 'd have to take it up with the publisher which we did. The book kept coming. We received a billing this year for {$44.00}. I sent a refure the charge to AMEX. We did n't get the book the next period, XX/XX/XXXX. Today while doiing a search of our expenses I fould they had started charging us {$44.00}. This occured twice on XX/XX/XXXX and XX/XX/XXXX. We called XXXX and talked to XXXX ( no further ID was given ) He said he would cancel any product coming from them. However he could not refund any of our payments. When I talk to AMEX they say talk to the publisher. WHen I received the XX/XX/XXXX charge I complained and they refunded one payment, but continued charing us in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Being sued by debt collector Midland Funding for a debt I did not even know about. I asked for verification and they sent a stack of paperwork from an account I did not open in XX/XX/XXXX or XX/XX/XXXX. My husband and I filed bankruptcy due to an auto accident in XX/XX/XXXX. I have only opened XXXX credit accounts in that time. Because I do not work and have bad credit. The paperwork they sent me has the wrong dates. Even my credit report says this debt was discharged in bankruptcy. Yet they are still taking me to court. Also the debt buyer company and original credit card company XXXX XXXX started reporting on my credit report that I opened said account in XX/XX/XXXX. Yet I never had attempted to open any credit account in XX/XX/XXXX and underneath these XXXX reports it says may have discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Firstsource Advtantage LLC continues to call me every other day leaving a voicemail just saying to call back. No information, no confirmation of who they are calling. I've never owed a debt outside of my monthly credit card bill which I pay on time anyway. They need to stop and it's obvious their actions are terrible given their feedback and multiple threads on forums online.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed an account From XXXX XXXX XXXX XXXX and it was removed in XX/XX/2019 it was added back to my credit report XX/XX/2019 I disputed it again and is still there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company reports derogatory collection As medical debt company can not provide verifiable copy of original contract or receipt of service, Company refuses to provide debt validation as requested my XXXX has been used without my consent in the past 6 years without my knowledge credit alert on file since XX/XX/2013. SSN is not enough to prove debt validation without copy of original contract from original creditor to validate actual existent of original debt/contract. Numerous attempts for validation have not been met.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX Safe at Home order. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX and XXXX for Bank of America has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. 

Also, the last bill I receive the amount I owe was {$4200.00} but XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Va XXXX ) are charging more and claiming no interest was added which is not true. 

XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX XXXX   XXXX, NC 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 2017-09-01
Company: GREAT LAKES
State: WA
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:
When the servicing of my loan transferred to Great Lakes they discontinued the auto pay function that I had set up with ACS. This resulted in my account becoming past due. I 'm concerned it XXXX have also affected my rate and my credit. I contacted Great Lakes because of emails I received, but I was not sure who this company was and immediately it asked for my social. Who gives out their XXXX to a stranger that emails them? When I asked to speak with a representative she explained it was due to 'hackers ' and 'my privacy ' that they do not continue the auto pay from XXXX servicer to another. I feel this is an unfair and deceptive act or practice. I now have the payments made and the auto pay corrected but if my rate or credit were affected I want it fixed. I also think that servicers should be required to sustain automatic payments when transferring. The lender is the same!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TekCollect Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX calls everyday more than 10 times per day. When the phone is answered by an employee XXXX is very abusive and derogatory. He calls me a XXXX woman with no manners. That I am XXXX and can not add or subtract. He even asked me if I was alive during the day when I would not answer a question I did not know the answer too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX  ) Account # XXXX, has 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 response to consumer: Closed with explanation