BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
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:
I notified Citibank shortly after I was furloughed from my job in XX/XX/2020 and later let go in XX/XX/2020. I requested and received a COVID relief payment plan from CitiBank for the aforementioned account. Soon after, Citi lowered my available credit limit, and began charging me over the limit fees in addition to the minimum payment due which I was unable to pay. I had several calls with CitiBank collections representatives about this matter ; however, no one was willing to make the adjustments so that I could pay a reduced payment. I continued making payments in an amount I could afford which was in accord with what the minimum account due would be, yet I was reported to the credit bureau as past due. I removed my bank account information from automatic pay because the representative indicated that Citi would sweep for the total amount due which had escalated to > {$400.00}. I missed the XX/XX/2020 payment because I was XXXX after a major XXXX and was unable to push or call the payment in personally. I recently started a new job and TODAY, Citibank was the first account I paid in full since this was the ONLY bank that violated the CARES ACT and submitted negative credit report information despite my reporting to you that I lost my job due to the national natural disaster. I also realized that my account was closed by Citibank further harming my credit status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
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 owe Conserve XXXX, from XXXX XXXX XXXX. I offered XXXX is the most that I can afford and asked them at least submit the request to XXXX, however they laughed and disregarded me. I work XXXX and it is illegal to not submit a consumers application to a lender in the even that they ask. I do not know what laws apply to protect me but I fell like they could at the least submit my request. I offered the, which is the only money I have. I am currently supporting my father who just lost his home and I feel really disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an account on collection who belong to my ex-husband and now I am getting phone calls from collection agency who ask me to paid a debt that does n't belong to me and treated me on the phone. I want this calls to be send to the correct borrower my ex and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had auto loan with GM Financial whom picked up the car from the storage without contacting me because the adjuster left the car at the storage. From the time they picked up the car, their reinstatement department never answer their calls, I left tons of voice messages trying to resolve the problem but they never returned ANY of my calls. next they sent me a letter of repossession asking me to pay for the cost of getting the car from the storage but long before that, I was able to get another adjuster who placed a 3-way call and accepted responsibility and stated that my insurance will pay the loan company all their expenses. After sending the repair check and estimate to my loan company, I was able to speak to a lady who gave me 2 options either GM Financial repairs my car or I can pick a body shop of my choice to repair the car. I told her that GM Financial should do the repair. 2-3 weeks later, they sent me a letter requesting the information of my body shop. I fax and sent them certified mail requesting explanations and made them aware that I personally do not see any genuinity with the way they are doing business with me. Next I know they sent me a bill for {$8.00}, XXXX stating that they have auctioned the 2008 XXXX. Till date no calls or mails was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We XXXX sisters, work very hard and took a loan from Wells Fargo to buy XXXX rental properties in 2004. The rate of interest Wells Fargo charging is 6.875 %. We have asked so many times to refinance at a reduced rate of interest, but Wells Fargo refused each time. 
Please see attached statements and help us refinance at a lower rate. 
Thanking you in anticipation.

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-03-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was renting a apartment for a few years. I am diabetic and couldnt work anymore cuz my feet and knees were hurting very much. I didnt owe no rent it was up to date. But they argue about me not turning in a 2 month notice ahead of time. I wasnt able to work anymore and not afford the rent so I moved out.

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 2016-03-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Wells Fargo Bank , N.A . and have their Team Member Checking product as a checking account. I opted out of debit and credit transactions when opening it, so that prevents them honoring a charge with the VISA card attached to my account if the funds are not available, it will be declined. It was explained to me in the past that this does not apply to automatic, scheduled monthly payments to my account that use my routing and account number. 

I signed up for an XXXX XXXX trial that ended yesterday, XX/XX/XXXX. I logged on to XXXX today and strangely, the banner read that the {$99.00} for XXXX would be charged in XX/XX/XXXX. I cancelled it, then I got a message saying that it " would be refunded '' to me. I also thought that was strange. 

I logged into my Wells Fargo checking account and I saw it was overdrawn, and that I had a {$99.00} charge from XXXX. Which was incredulous to me per what the banner told me! What 's more, it is not a monthly charge, and XXXX charged the VISA attached to my checking account, and since I opted it the transaction should have declined anyway. 

Since I have been educated numerous times on this with Wells Fargo in regards to how it works with scheduled payments that use routing and account numbers, there was no need to complain with them, they are simply trying to get over and abuse me with fees, this is why I opted out, so moments like these do n't happen. That transaction was to decline, XXXX did not use my routing and account number, and it was not a monthly, scheduled payment anyway.

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 2016-11-10
Company: AmeriHome Mortgage Company, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage company is refusing to take just one contractual payment and our loan is not in a foreclosure status. We have filed for assistance because we are going through a financial hardship, but they have denied that. We have advised them that all we can do right now is make monthly payments until we 're able to catch up but they are refusing to do so. They wo n't accept a payment from us unless we schedule two payments within the same month.

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 2021-03-10
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I request Source Receivable Management send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer have no contract with Source Receivable Management nor have i done business with them. i, the consumer only participates in a consumer credit transactions i the consumer doesn't own a debt, its alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment I'm the original creditor, lender, executor administrator and holder in due course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We purchased a home ( manufactured ) that was attached to land. After 10 years, we wanted to refinance to get a new roof. We were informed that only the land was in our name. The home was never transferred to our name. We could not borrow against it or even sell it. Wells Fargo refused to help us fix this issue. Therefore they foreclosed because we refused to make payments on a home that was not ours. This incident has now stopped us from getting a mortgage on another home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XX/XX/2013 I borrowed a loan in the amount of {$500.00} with a Company Called Castle Payday. I Paid off the amount of {$500.00} in full within 3 months and for 5 months straight they continued to debit {$20.00}, {$40.00}, {$35.00} on a weekly basis out of my account which totaled to a amount of {$890.00}. I called XXXX XXXX and told them that I payed them off and I do n't know why they were still debiting my account. XXXX XXXX XXXX XXXX left me threatening voicemail messages saying that they were going to place a lawsuit against me because I now owe them over {$6000.00}. For court fees and remaining interest balance of {$1000.00}. He offered me payment options, even told me that they are going to sue me. I was not aware of the remaining balance or interest. I never received anything in the mail, email and nothing is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
After I got approved for an unsecured personal loan of less than {$400.00} I lost my job. I notified the finance company and was told that it was be put as noted on my account. However a week later I start recieving numerous of calls with attempt to collect a debt. After about 3 calls I was told that my account was sent to the credit agency. Shortly after that the finance agent was knocking on my door. They come to my home several times a week and bang on my door even after I 've asked them to go away.

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 2016-08-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I contacted Wells Fargo bank regarding my credit card which is 2 months past due. I was trying to resolve this matter but was transferred 4 times. Once I located a person to speak with they informed they are located in XXXX and this guy was VERY RUDE!!! He wouldnt work with me at all. I tried to request a supervisor and he sent me back through automated recording. I explained to him why i was late on this bill. My grand daughter passed away on XXXX XXXX 2016 and had to be off work for a time period and the guy i spoke with informed me that was not a hardship. I dont understand how wells fargo can send their customers to XXXX and be told nothing can be done about the account except pay this off. I will involve an attorney if i need to and even notify other Wells Fargo customers that i know about what has happened to me.

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 2016-10-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone within Navy Federal Credit Union has been allowing unauthorized individuals to access my personal accounts. These persons have no judgments or liens but persisted to access my account within their security department. This has harmed my credit worthiness and it also almost put a strain on my finances as the individuals in the " back office '' as they call it were pretending to be my account manager and disabling my accounts, manipulating transactions so they take out funds too soon, or not soon enough. Sometimes even posting transactions days later or posting {$1.00} transactions when it really is a {$40.00} transaction. They even teamed up with XXXX XXXX after XXXX XXXX withdrew {$2000.00} without my consent and without my authorization to my mothers account whom I was n't a signer on and neither was she a signer on my accounts. This caused a huge banking error that took two months to clear up at which time the funds were finally placed in the Navy Federal account. Navy Federal has never been as traditional banks and do these types of deceptive business banking practices which leads me to believe that their security team has been breached and my credit and account information was being compromised. They refused to allow me to place funds in my account via mobile banking when it was very imperative that I deposit these funds. They allowed a fraudulent garnishment to be placed on my account for a year before the company requested them to remove it. Navy Federal has failed to be an adequate bank as I have had the account since 2002. This bank seems predatory and unfair in their business practices. I requested the name of the person who claimed to be " my account manager '' as they put it, and placed a permanent no mobile deposit on this account, all because of XXXX error. This bank allowed security breaches and at times I felt I was speaking to people who had criminal records. They mysteriously claimed to check my credit and no judgement was there yet a garnishment mysteriously showed up on my account at which time as stated before it was removed. They claimed also that I had a money market account that charged off with a XXXX balance and for no reason. I believe they were doing what XXXX XXXX was doing and XXXX XXXX. Conducting fraudulence while not letting me utilize 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 2016-10-10
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was told by a Wells Fargo employee that I would not be charged a fee to use my XXXX XXXX XXXX Credit card while overseas. The information regarding fees was not disclosed at the time that I opened this credit card. I was in XXXX for over a month using ATM machines. I now am responsible for {$110.00} in fees. I feel like the information I received was misleading.

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 2021-03-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am self employed and was hit hard by COVID. So, I sent a hardship letter with a $ XXXX check in a large USPS Priority envelope to Citicorp to close this account. 

They cashed the check so I thought that closed my account, but they continue to call and write, so I continued to send them copies of the hardship letter. 

Please help get this account closed. 

Thank 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 2017-07-15
Company: Experian Information Solutions Inc.
State: TN
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   financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records.  XXXX  attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the   XXXX   XXXX   XXXX   XXXX  as  XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   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