BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I started a refinance with Wells Fargo in XX/XX/XXXX. I have been given the run around through this entire process. I was told my closing date was XXXX XXXX, 2016. I have all of my paperwork which states they are incorporating my second loan of {$4500.00} ( which I pay {$360.00} a month which would be eliminated ) and my XXXX mortgage and my refinance payment would be {$2600.00}, with {$4000.00} to borrow at closing at an interest rate of 4.15. I was told nothing could be changed and all was finalized. I was told this was approved by the underwriter. I have all of the emails indicating this. I am told today after all is finalized that now they ca n't do this and they ca n't incorporate the XXXX ( which its not a second its line of equity ). I am told my new payment is {$2700.00} and I will still have to pay my XXXX, with a new interest rate of 4.34! This is completely bad faith and inappropriate. I completely disagreed with the appraisal of my home, I never got a response from anyone above XXXX when asked. XXXX XXXX stated he would look into it and every time I spoke to XXXX the amounts raised until it was finalized last week. I am appalled that I was charged {$400.00} for an appraisal I was finalized with a payment and now I am told all of these items are incorrect and it is not financially sound to proceed with these new terms. No one can provide answers or even explain why the amounts have risen every phone call or why I am being treated this way. 

This refinance has been the utmost disappointing experience I have ever dealt with as a consumer. I can attest that also being in the service industry if my company were to treat someone the way I have been treated, I would be completely appalled. This is the most unprofessional experience I ever had. 

I am asking for what I was originally promised ( see the attached loan aggreement ). I am completely disappointed and feel at this point Wells Fargo is estopped from changing any items as I signed the paperwork and was told it was finalized and had planned so accordingly. 

Please see all of the attached documents, emails, loan aggrement, complaint about the appraisal. I have actually never filed a complaint with any company prior to today as I understand as a consumer that it is a big deal. I hope no one else goes through what I did with Wells Fargo. I have been a loyal customer to them for many years. It 's sad to know that this is where loyalty will get 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 2015-06-15
Company: Williams & Fudge, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received XXXX calls from Williams & Fudge asking about XXXX separate people and do I have a way to contact them. When I asked what the call is about, I am told it is a personal matter and my number was given as a personal and emergency contact. I was further told that they could not disclose their business model or the nature of the business because it would violate Federal Law. 

I asked that they remove my number from their system, yet I got a XXXX call from them asking about a different person. The caller XXXX times goes by the name XXXX XXXX. He claims he has never spoken to me after I reminded him he had earlier in the day. 

He also contacted my son this morning about a contact he does not have. 

I asked XXXX XXXX to identify what the company does and he refused. I was told to call the company and they would be happy to disclose what there business is. I have contacted them and all they will say is " we work with colleges '' and nothing else would be shared. 

I have gotten calls from the same company at my home, but when I do not know the number, I do not answer it. I do know they called my youngest son today and he got the same treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: ERC
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

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 2022-10-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account XXXX I have no knowledge of this debt I did not receive notice of debt. I did not receive notifications of this debt. I no written contract with this agency. No validation of this debt. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
When setting up the account I was told I would be able to pay it off in full at {$520.00}. I agreed thinking it was be the {$520.00} split up in payments -- AFTER I AGREED TO EVERYTHING THEN THEY SEND ME MY REPAYMENT SCHEDULE!!!! AFTER! I see they have an interest rate of XXXX %! I did not realize I was going to repay {$1900.00} on a {$350.00} loan. To date I have paid {$700.00} on this account. I did communicate with them via email regarding paying it off in XX/XX/XXXX or so but the math was n't adding up until now. The repayment schedule I did n't really understand, either. I am a single mother who gets no child support and works XXXX hours a week and CAN NOT DO THIS. I feel so stupid for falling for this -- PLEASE HELP ME! I get no government assistance I need help. XXXX is the name. I know they are XXXX XXXX related but on XXXX of XXXX XXXX XXXX XXXX XXXX ruled that the FTC Act " grants the FTC XXXX to regulate arms of XXXX tribes, their employees, and their contractors. '' specifically regarding deceptive payday lenders hiding behind a tribal affiliation. '' I need help into completely closing this account as of now as paid in full. I will gladly accept just close it -- no refunds, my mistake and I 'll take it as a lesson learned. Red Rock Tribal Lending, XXXX XXXX XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I noticed a previously resolved collections account on my credit report. The account was resolved favorably n 2013, and reappeared recently. Repeated attempts to negotiate with the credit bureaus, collections agent and the original creditor have failed.

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 2016-08-26
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This company is Castle Payday, It goes and has gone under multiple names, Red Rock Lending, and has now changed its name to Big Picture Loans. Avoid at all costs I made the mistake of taking a loan out with these scam artists, I was approved for a {$800.00} loan, but only borrowed {$350.00}. I was told by the Rep on the phone that there would be a finance charge, steep, but I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, over 750 % and that the total repayment amount for my {$800.00} loan would be a well over XXXX. 

Payments were {$350.00}. Even with high interest I figured XXXX or XXXX payments would do it. 

My bank looked into it. Agreed it was outrageous. Now, they tell me theat Castle has come back with legitimate paperwork. 

Well of course they have paperwork. I signed it. At the time it WAS NOT REVEALED that payments were interest only - the loan just builds and builds!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo Financial National Bank owes me a refund for overpayment on a pay-off for a XXXX XXXX XXXX Account they serviced. The payment was made by a XXXX check and I was told the refund could be sent to my XXXX account. Payment was sent on XXXX XXXX, 2016 ; I called Wells on XXXX XXXX and I was told my a customer service representative that I have to wait until the check clears ( I saw in the online system that my balance was XXXX and the amount of the refund due. I called again on XXXX XXXX, and I was told that I had to wait 15 days for the check to fully clear and a refund would be issued by check. Since I did not receive the refund, I call Wells this morning concerning the status and was told by Customer Service Representative XXXX ( I am not sure if I am spelling the name correctly ) that he would put in a follow-up notice. I told him I wanted to know the status after waiting almost a whole month, and would like to speak with a manager. I was connected to XXXX and I re-told my story. She said that the check would be mailed out today, and I asked if it could be expedited, and she said she could not do that, but suggested that it could be deposited in one or two days to an account where the check came from that I must verify. I proceeded to give here the routing and account number for XXXX, and that she said was not what she had. I then gave her my XXXX routing and account numbers, that too did not match. I told her I was unsure what she was looking for since my payments were made by EFT from my XXXX account, and some from my XXXX account. I never sent a physical check. At this point she told me a check would be sent in 7-10 days, and the conversation was discontinued. Why could they not credit the refund to the account they received my payments from every month which would get to me quicker than regular mail?

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 2016-04-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX on behalf of Wells Fargo Merchant Services made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

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 2015-09-26
Company: P&B Capital Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency has been instructed to validate the debt through written form. I have not received a letter. They call multiple times throughout the day without leaving messages. I receive multiple calls from multiple telephone numbers with different area codes. 
( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: WELLS FARGO & COMPANY
State: NJ
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 shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX 30 days past due as of XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 2016-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I have a secured card from capital one bank and when I signed up it had an annual fee attached to it. Now on the capital one website it says there is no annual fee for the secured card that I have. They are still charging me an annual fee even though they no longer do for that card according to their website. They would n't budge on the issue when I called even though they 're offering the no annual fee on new cards. I am being overcharged for the service that they now provide with no fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Debt collector did not make communication attempts or notification by mail for debt owed or process to dispute in due time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is a illegal bill this bill is not owed do to findings of the court and they didnt notify me until a year after they put a debt on my credit that is not verfyied as true and correct the court didnt give them premission to collect on this debt after the proceedings and this is effecting me by not able to get a loan i want this company to remove this debt from my report and stop contacting me i will sue this company if they continue to collect a debt that isnt correct i have proof this is no longer a debt that is owed from me this isnt my debt and it needs to be removed from all my credit reports

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 2016-12-02
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Key Bank XXXX XXXX has reported ATM machine abuse on my XXXX report. This was reported XX/XX/2014. The incident they are reporting was an account closure due to letting someone else have access to my PIN number which was against their policy and they closed my account. No money is owed the report shows paid in full. Due to the use of the term ATM machine abuse I am denied any bank accounts which is making it very difficult to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted a complaint to the CFPB on XX/XX/2016 regarding Roundpoint mortgage not allowing typical and standard costs that have been verified from the buyers lender in a Cost Estimate for his loan that we asked the bank to allow after raising our sales price to cover those fee 's along with Roundpoint paying for Title fee 's for the borrower so that we could insure our title at closing for the buyer. The complaint case # is XXXX. 
Roundpoint has continued to stall in making any decisions on this account and also has not replied to the complaint submitted on XX/XX/XXXX, other than " Roundpoint needs more time '' That again is a stalling tactic. the single point of contact " XXXX XXXX '' has continued to tell me that I can not get any info from the correspondence dept regarding what is going on with that complaint. He has also said that the file is still under review and has not been responded to although they say its been complete since XX/XX/2016. It is now XX/XX/XXXX without an underwriters decision. This file has been under review with Roundpoint since XX/XX/XXXX. That is 4 months too long to highjack any file and just let the borrower continue to make payments without any response to a bonafide offer that is ready to close. Please get Roundpoint to respond appropriately and legally.

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 2016-03-31
Company: Patenaude & Felix A Professional Corporation
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX XXXX XXXX I found out that the above company issued writ of execution on behave of my name for bank garnishment. This writ was issued on XXXX XXXX, XXXX in XXXX Supreme Court in XXXX XXXX XXXX. I was never served a copy of this writ or any other docket entries as of the case was initially filed with the court. I live out of XXXX state for 8 years. I left on XXXX XXXX, XXXX and moved in XXXX. After 3,5 years I moved to XXXX, currently I live in XXXX for 3 years. I was not aware of judgement entered against me. I was never contacted by the collection agency above. On XXXX XXXX, XXXX I contacted the agency to find out when was the docket filed the person I talked to refused to provide me with any information about the court case. He advised me that I can find the case record online without giving any further information. After I insisted at least to be provided with the county courthouse, the person let me know the name of the above court. Moreover, I contacted the legal department of XXXX XXXX XXXX ( the writ was issue to withdraw all my bank funds in that Bank ), they provided me with the docket number so I can research the issue. Currently, I will be filing motion to vacate judgement due to inappropriate service of defendant ( which never happened in any state I resided so far or the state I live currently ). Thank you in advance for taking the time to investigate that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Bayview Loan Servicing from XXXX XXXX. Everything regarding my loan remained the same ( payment, etc. ). I made XXXX payments of my original amount to Bayview for the months of XXXX and XXXX 2015. In XX/XX/XXXX, my payment increased from XXXX to XXXX. I was told this was because they added escrow. When I was with XXXX XXXX, I did not pay escrow because we were responsible for our own taxes and insurance. Bayview paid the escrow on my property and that is why my payment went up. I called and was instructed by them to send them a letter stating that we were responsible for escrow payments and they would restore my payment to its original amount. We paid {$1500.00} for our mortgage in XX/XX/XXXX because it was the end of the month. I mailed a certified letter to Bayview regarding my escrow and taxes and was told that it would take XXXX days to process. When I called after the XXXX day, I was told that it would take XXXX days, so my payment would go back to its original amount on XXXX XXXX. I was also told that they had received my paperwork. It is now XXXX XXXX. I called Bayview to make my payment ( late fees were waived ). The payment has not changed. We are now being informed that they will not remove the escrow because we were a day late paying our taxes. Bayview is not abiding by the original terms of my loan. I do n't understand this. We have not been delinquent in paying our taxes or our insurance. My mortgage payment has now doubled which is putting me and my family in a financial hardship. All we are asking is that our payment return to the original amount. We have the funds to pay Bayview back for the escrow that they paid. We had it the whole time. We need your assistance immediately!!!! Thank you. I was just informed that their systems went down and that I could no longer speak to anyone there. I would have to call back and speak to someone else. I have explained this situation to so many people over and over again.

Company response to consumer: Closed with explanation