BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
For the last year I have received Email messages from Wells fargo Bank about my online account but never opened them believing they were spam. I have no online or any other account with Wells Fargo. Since the action was taken against Wells Fargo for fraudulent consumer enrollment in various services, I thought my problem was included as part of the resolution until I received an Email this morning from Wells Fargo about my online account. I believe Wells Fargo has engaged and remains engaged in fraudulent activities that need to be addressed.

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 2017-01-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We made a dispute with our credit card agencies agains Midland Financial Services because we noticed a debt that either my husband or I even knew about. We were out of country when they put this on our credit report. 
After investigation, the so called debt from Midland was removed from both my husband and I credit reports -3 times!!! This took place first XX/XX/XXXX then XX/XX/XXXX. 

Today, XX/XX/XXXX, Midland Financial garnished my husbands wages for a debt we have no idea about and they could n't even prove it because the credit agencies removed the debt off our reports. This is Illegal and unacceptable. We feel helpless in this situation. 

Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The property that I live in and that it is my primary home it is currently in foreclosure. The property was purchased with a loan that was a negative amortization and it was part of the predatory lending practices during the financial crisis. The loan was not explained to me and sometime after the purchase I was unable to make payments when the payments increased. I am a retired person and XXXX years old. I have been trying for years to come to an agreement with my bank and get a loan modification with a fixed interest rate, and for which I have been denied each and every time. I am a retired XXXX lady that get help from my children in order to pay my bills. The bank refuses to modify my loan because they say its been more than 36 months since I last made payment. We can show enough income coming to afford the new modified payment with the help of my children who are willing to assist financially with my mortgage. The bank refuses to allow their income as help and I will loose my home as a consequence. At this time the bank has requested the courts a sale date. If the sale goes thru I will be homeless. Again, this is my primary home and I have no where else to live. I am hoping your agency can help in having the bank process a loan modification so I can continue to live in my home with the financial assistance of my children. 

Thank you, 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 2019-05-11
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I have been looking for a home as we will be first time buyers together for about two years now. We recently found a home that would suit us and the family we wish to have one day. With that said we heard good things about Quicken Loans and Rocket Mortgage. We made first contact on XX/XX/2019 and spoke with a few people until we came across the person to run your credit. As always the company running your credit gives you the talk about what theyre doing with it and they say we will do a ONE TIME credit pull. That is not the case. We recently went to another bank to be pre approved and were told no because Quicken Loans had ran our credit for a total of 13 times! We were listed for to many hard inquiries. My wife and I are frustrated that a company claiming to help first time buyers would do such a thing to a potential customer. My name is XXXX XXXX and my wife is XXXX XXXX. This is just wrong and unprofessional. We would like some action taken for this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: STERLING JEWELERS, 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: Account status incorrect

Complaint:
Kay Jewelers is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Kay Jewelers is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: Viking Client Services
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Greetings, My name is XXXX XXXX. I was Involuntary discharge from the XXXX because of XXXX and because of hardship I got caught in Debt. and I decided to enroll to a debt settlement program the debt settlement program paid the XXXX XXXX XXXX XXXX in the amount of {$5800.00} taken out from my XXXX payments from XXXX XXXX. I did accept the settlement offer for some reason the XXXX XXXX XXXX Bank continued to sell me to the debt collector the Viking Client Services. and they change the account number now they want me to pay {$6200.00} now I feel so stressed and I do n't know what to do.is there anything that you can help me. I will disclose the involving party their address and telephone number. 

XXXX XXXX XXXX Bank Viking Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel. # XXXX XXXX Tel. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Tel. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I filed a chapter XXXX, XX/XX/2016, I applied for a Deed in lieu with Select Portfolio Servicing and was approved by them gather all my information and submit it via Fax, and Email, received confirmations that all information was received, 4months go by I heard nothing then out of blue the last two weeks of XX/XX/XXXX they stated that they do n't have copy of my satisfaction of mortgage, I submitted the information via email, email confirmation stated that received, then 30 days later I called back for up date, they stated that it was not recorded correct, I then called my county courthouse and spoke to the records department and they stated that it was recorded right and there is no lean on the property!! After I called SPS back the same day, now it 's a mistake and they need a copy of my divorce decree, I was mad because that was sent in the beginning, I purchased the home in XX/XX/2006, and got divorce in XX/XX/2008, it states on the decree that I am the owner of the property and other findings, as well. They keep giving me the run around and the sad part is I was the one calling and follow up!! I called the ombudsmen department and XXXX, from the department stated that the underwriting department has n't touched my account since XX/XX/2016. I called my relationship manager XXXX and asked her why she lied and told me that the underwriting department was still looking at it and that the ombudsmen department said it was not looked at since XX/XX/XXXX. She had no explanation for thRee and that it would be submitted urgent need!! I am so tired of this process and prolonged the process they are unprofessional and liars they deceive their customers!!! Can you help 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 2016-09-21
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paymap Inc, aka XXXX, and the CFPB reached an agreement XX/XX/XXXX ( AP File # XXXX ) and was to send a check to those involved with their company during the period XX/XX/XXXX and XX/XX/XXXX. I fell into that period & received a letter stating they had sent me a check that I never cashed. This supposed check was never sent. I called the # on the letter but got nowhere & was told to go to the website and email them. Did that but again another run around and jumping through hoops. Had to call # again to get a claim #, then back to the email routine ( this is not just a simple email here, you have many layers to go through just to send them an email ). Did all this XX/XX/XXXX as the notice said all claims for a new check to be sent must be requested by XX/XX/XXXX, 8 days after I received this letter. Did everything they asked me and have yet to see any check ( XX/XX/XXXX ). It appears the agreement was not honored by Paymap initially and they are doing everything they can to dissuade folks from trying to collect on monies they agreed to pay. The Redress Administrator in XXXX XXXX, IA has been sent a letter regarding all the problems I have encountered with this check re-issue. This matter needs to be moved up the line from just a consumer complaint to a full-blown court decision that will force they to comply with the agreement reached and make restitution to those affected. I would also like to see copies of all the checks that were supposedly sent out along with addresses to verify they were ever sent in the first place. 

A copy of the agreement reached between Paymap Inc and the CFPB would be appreciated so we know what the settlement was and how it was to be administered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This loan is too expensive and they want me to pay bi-weekly. Right now my payments are $ XXXX bi-weekly. I don't care about ever borrowing from the lender ever again, I just want a low monthly payment of {$150.00} a month. They won't work with me on this. Going forward I'm demanding they stop with the automatic payments and just go ahead and turn this over to a collection agency then I can work with them on making a {$150.00} a month payment. If I have to close my account, which I really don't want to do or shouldn't do, then I will. I can only afford {$150.00} a month, but they won't work with me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: FL
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:
NAVIENT placed me on a payment program XXXX for my private loans. I was told my welcome letter and details will be sent via mail in three months. It 's been nine months and no welcome letter. I called customer service and was told information I never agreed to and they do n't have to send me information since it was a " verbal agreement '' over the phone. I have made payments as requested by NAVIENT and my loan amount is getting higher??? My online statement on NAVIENTS website states my monthly payement is {$330.00} and NAVIENT is withdrawing {$510.00} from my bank account each month. I tried to call customer service to get clarification. Instead I get yelled at. I am truly worried and concerned about what this company is doing. What NAVIENT is doing can not be LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Sierra Holdings LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I filed bankruptcy because I have XXXX and could not work anymore to afford the payments. I surrendered the vehicle and I was told that it would come off my credit. They told me that it would be removed and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took Wells Fargo mortgages to court over 3 years ago and they still have not applied my payments correctly. The judge had to call Wells Fargo every month from I beleive if was from XXXX XXXX thru XXXX XXXX to get Wells Fargo to follow the stipulations on judge XXXX 's decree in my favor. Finally on XXXX XXXX they said they did everything the judge told hem to do. 
They did not do what the judge told them to do. For he next 3 years they have not applied my payments to my account. I have made my payments according to the judges decree. I 've made my payments, when I make my payments and let 's say for example my payment coupon/statement would say I am XXXX in arrears, I make my payment and it now says I am XXXX in arrears even though I just made a XXXX $ mortgage payment. My decree states that from this point forward that I XXXX XXXX will XXXX my payments as such : there is no balance plus payments to be paid, just my payments. 

Ive called Wells Fargo and the open a resolution, but every time they send me back a list of all payments received which does not include all of my checks received : I provides them proof of all my payments and they just aend me their itemized liar XXXX payment received and then they close my case. They do not even look at what the judge has decreed. They just throw if write back at me when the judge had to keep calling Wells Fargo dos 3 months for them to get their act together : I then reopened my lawsuit with Wells Fargo and the judge order them to lay me XXXX $ this was XXXX $ for each of my XXXX loans. 

I finally ended up doing a loan mod on XXXX of my loans and they again tried to foreclose on my home even though I made all of my payments. Now they are trunk to foreclose on my rental property. Wells Fargo does not follow judges order and they take no responsibility for their actions. 

XXXX of the things Wells Fargo responded was that payments were to begin on XXXX XXXX for both my properties. Actually the court documents state payments are to begin XXXX XXXX. I had started an inquiry in XXXX XXXX I beleive and every 2 weeks I received a new letter stating they needed more time to investigate this went on for over 6 months

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 2016-04-26
Company: Sierra Holdings LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Sierra Finances calls my relatives every single day. Each time disclosing all my personal business. They call my XXXX year old grandmother everyday and try and scare her into giving them my number, which they already have. Hey called me on yesterday at my jib4 times in a row. I have already told them I am not allowed calls and to cease and desist. I told her again yesterday and she over talented me and told me that is irrelevant. She just kept talking on the line that my manager was on listening to my personal business. She also talked to XXXX different people before me and was told I can not receive personal calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Other

Complaint:
I have a Capital One XXXX Rewards card.Recieve 1 % cash back for every dollar charged. 
I redeemed {$500.00}, and recieved check XXXX.I failed to cash check within 90 days, and check voided.I called customer service, and was told my account would be credited {$500.00} within 90 days.That did'nt happen.I called again, and spent 2 hours being passed from agent to agent. 
Capital One has violated Terms Of Agreement by not refunding this money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Originally, I sent a letter on XX/XX/2018 to XXXX XXXX XXXX ( XXXX ) disputing a tradeline of my credit report from them. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked validation that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2018, I received a copy of Consumer Installment Loan Agreement and Federal Truth-in-Lending Disclosure from XXXX XXXX XXXX XXXX, XXXX as their validation which wasn't validation competent evidence bearing my signature to XXXX. I received a credit bureau alert from Equifax ( between XX/XX/XXXX-XX/XX/XXXX ) and XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been removed from my credit report. Then days later I received another credit bureau alert from Equifax ( between XX/XX/XXXX-XX/XX/XXXX ) and XXXX  ( between XX/XX/XXXX-XX/XX/XXXX ) stating the collection item has been added back to my credit report. I sent a reinsertion letter to all three credit bureaus ( Equifax, XXXX, and XXXX ) stating I had not received the ( 5 ) day  notification which is required by law. All three bureaus stated they have validated this disputed item and refuse to remove and re-investigate in spite of all of the documentation I have provided to dispute the validity of this item. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Due to identity theft, I chose debt consolidation over bankruptcy. Capital One account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Capital One has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Me and a friend of mine XXXX signed a lease agreement she was head of household and i was just a tenant ... We had mold in the house i had a XXXX ba y with XXXX son that continued to get sick off the mold we complained for weeks at a time i habe papers from my childrens doctors that due to the mold my children were having allergic reactions we put in a 60 day notice to vacate the property due to lack of maintenance and saftey hazards for my children i had to vacate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation