BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello, I am retired, and I recently had some trouble with my credit card. My husband and I are getting older, we are both XXXX. We recently hired someone to go over our finances, because at our age it is very hard for us to keep track of everything. Anyway our financial advisor went over our books and he asked us about some transactions that stood out and most of them we knew what they were, but one company we did not know. Our financial advisor researched the company and said that he was very skeptical of the company. When he called them they had no records for us and could n't tell us what exact business they were in. At that point we knew something was amiss. Since the transaction was done on my Wells Fargo Visa, I thought we were protected because they have a {$0.00} fraud liability thing in their contract. So we called them to report the transaction as fraud on XXXX/XXXX/2016. They told me that it should take about 7-10 business days. We got a letter dated XXXX/XXXX/2016, stating that the charges were valid and authorized, however I never authorized these charges and I told them that over the phone. They sent me another letter dated XX/XX/XXXX which said that because I continued to pay my bill that I authorized the transactions. I hate to say this but I am XXXX years old, and I always pay my bill. That is part of the reason we hired someone to do our books, because truth be told we are just not able to do it very well anymore. Me paying my bill has nothing to do with me authorizing the charges, I have never even heard of this company. I also filed for a reconsideration with Wells Fargo and stated that I had never heard of this company and that I always pay my bill. They sent me a denial letter for reconsideration dated 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 2016-01-26
Company: Franklin Collection Service, Inc.
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 is not mine

Complaint:
In XXXX of 2014 XXXX XXXX XXXX sent a return label to me after I canceled services due to moving out of their area of service in order to return the XXXX ' television receiver boxes to them. I took this label to the XXXX nearest my home and sent the boxes back to them. It was about 6 months later and I received a collection notice from a third party agency stating that I did not return the boxes and they are collecting the debt. I did not have the confirmation receipt when I gave them to XXXX in order to prove the return, because it was several months later and I did not know that I would need to have kept it. XXXX XXXX XXXX can look up the labels they printed me and research the boxes that I shipped back, but I only got the run around when I called in order for them to help correct this issue. It is now on my credit as an outstanding collection of {$350.00} from an agency called Franklin Collection SV. This has been transferred several times to different collection agencies after I have called each time to dispute it. They just transfer it to someone else rather then help get it proven and removed. Please help me get to the bottom of this. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: United Built Homes LLC
State: OK
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XX/XX/2015, I returned a call that was left on my phone's voicemail to XXXX(XXXX) from United Bilt Homes Corp in XXXX LA. During this call, XXXX said we had missed our payment for XXXX. I informed XXXX, our due date was on XXXX and we had a 10 day grace period and we had up until the XXXX of the month.  He was quick to say no, that is when we will receive a late payment penalty. And then asked me how I would like for him, XXXX, to take away our home from us. I told him, we were still in our grace period and the payment should be there that day or the XXXX. And there was not legal right for him to say that statement when we were not in past due status. I ask if the Owner knew how he treats people unfairly and was told the owner back him 100% and hung up. I called back, he asked if I would like to talk to the owner, XXXX and said he would transfer me to him. XXXX transferred me to XXXX, and other employees but never XXXX. After repeated times to call back, XXXX would put me on hold.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Stellar Recovery, Inc.
State: IL
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 opened an account with XXXX ... however somehow they opened XXXX at the same time. Account # XXXX is the current account I am using and paying for. The second account XXXX was supposedly closed in XXXX, then supposedly credited and closed again in XXXX when I called the second time and sat on the phone for XXXX hours, after being accused of not paying my bills. In XXXX I received a notice from Stellar Recovery that I owed XXXX. I have a bankruptcy on my past and I 've been working to repair my credit. This situation will create problems for me and lower my rating at least until I get it resolved. I 'm very upset. They want me to call the same people who have not fixed this before and sit on the phone for yet another hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I need some help, back in XX/XX/XXXX a loan through Wells Fargo was closed out, it has been six years and now XXXX has re reported the data as of XX/XX/XXXX. I have disputed with XXXX with no resolution and even called Wells Fargo which stated because my mortgage was closed in XX/XX/XXXX, they have no record of it in their current system. 

When I asked how I could get this report date corrected, the Wells Fargo representative said I would have to submit a letter. I had submitted a letter/ dispute with XXXX for Wells Fargo to change the original report date to XX/XX/XXXX. The Wells Fargo rep said that that was all I could do. 

I need to move on with my life, I am in the middle of buying a home, I am unable to close my on my new home until this matter is resolved and if not resolved I will not be closing and lose all the money I put down. It has been years, I have worked very hard to move on with my life and making the right decisions. Please help me I am lost for words with this situation. I have a family that is looking froward to moving into our new home. PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have deposited a check on XX/XX/XXXX for {$4000.00}, they gave me an available balance of {$4000.00} the next day, and I went to a local Wells Fargo Branch and I withdrawed {$2200.00} and they told me the check was good to go. The next day they called me and told me that the check has bounced, and I asked them why did they give me an available balance if it hasnt cleared and they said my employer was at fault. Two days after they called me from an Oregon Office and they said they are opening a fraud claim and I would get my money back in 5 days. After 5 days I called them and they told me it was just a research claim and that I have to open a new claim. And so I did, and they told me that I have to wait for 10 days. I waited and called them and they have told me that my claim has been denied because of the bad check.

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 2016-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, FL . XXXX To whom it may concern, Loan Number XXXX with Wells Fargo I was struggling but my mortgage was up to date went I received a call from XXXX XXXX one of Wells Fargo representative who explain to me that they are going to give me a break for six month and after the six month they would restructure the loan to made it more affordable and for the six month that I did n't pay they would put it back at the back of the account that was XX/XX/XXXX 
Between XX/XX/XXXX or XX/XX/XXXX There were someone at my door handed in me a foreclosure notice, So I went and got a third party name XXXX XXXX XXXX XXXX XXXX they also goes by the name XXXX. 
After paying them XXXX dollars I request to speak to Lawyer and I told her that I want to attend the court that when she told me that the case is in the first stage so I ask her how long it goes to go on for she told me about three to four year I ask if I have to continue paying the XXXX dollars a month and she say yes so I told her that not going to work and I 'm not going to pay no more money and they should stop representing me. 
Now went i get the court paper the date on those court paper would be expired. 
I received a call from XXXX XXXX wells Fargo representative telling that the property will be sold at action on XXXX XXXX XXXX. I did n't go to court but I was inform by XXXX XXXX it did n't go through and he gave me another date went it will be sold XXXX XXXX XXXX. I went down town to file a motion to cancel the sale. Enclose a copy of the motion. 
On XXXX XXXX XXXX I went to the court someone at the door checking the paper told me that there is a mistake on my paper work and he would let me in so I did have to leave. 
Again I received call from XXXX XXXX letting me no that the property own be sold he is given me the modification and that is what we working on from time until now. 

Your truly XXXX XXXX This is a follow up letter I wrote to the CFPB last year but I did n't got a respond so this is the second attend.

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 2015-09-22
Company: Duvera Billing Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: United Revenue Corporation
State: TX
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:
Account # XXXX {$990.00} Account # XXXX {$330.00} Spoke with this creditor XX/XX/XXXX, I was instructed that if I paid everything off in full that it would be deleted from my credit report and I would be issued a letter stating items were to be deleted. I asked if I could have a letter faxed to me stating this. They said yes and took my fax number down. I called back on XX/XX/XXXX and made the payment in full for {$1300.00}. The agent I spoke with that day told me that she could not fax me the deletion letter. I informed her that was not the agreement I had made on XX/XX/XXXX. She went on to say there was nothing that she could do to help me. I asked ot speak with a supervisor, I spoke with XXXX who was extremely rude. She kept screaming and cutting me off. 

I asked XXXX if she would listen to the recording from my last call and give me a call back. She refused to do this. I told her that they should honor the verbal commitment they made with me on XX/XX/XXXX. She continued to uphold the promise that was made to fax me a letter stating that the items would be deleted. I was told that XXXX was her manager, I called him on XX/XX/XXXX. However, he never returned my call. 

When I first reached out on XX/XX/XXXX about having this issue cleared, I let them know that I was in the process of purchasing a home and this is hold up everything. My lender needs these items to be removed, before issuing my approval to purchase. My family is living in a hotel, waiting for these XXXX items with XXXX to be deleted. 

At this point, I do not know what else to do as I was lied to and mislead by United Revenue Corp. I have asked them on numerous occasions to listen to the recorded phone calls, they told me even if the represented told me that she could fax me a deletion letter they would not. At this point it is my assumption, that they blatantly lied to me in order for me to make my payment in full. They had no intentions on deleting these items, even though they stated that they would be on a recorded line. 

I wanted to try reaching out via CFPB before getting legal counsel and filing a lawsuit. XXXX has violated my rights under the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-08
Company: Illinois Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: OK
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 disputed this account several times with XXXX XXXX and With Equifax, XXXX, XXXX I Have a complaint thru CFPB cause XXXX XXXX will not respond to me but the did responded to the CFPB with : Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 

I went off information in my credit report by Equifax, XXXX, XXXX Equifax, XXXX, XXXX claims they validated this account so i am DEMANDING by law they provided me with all documents that has my signature they have received to validate this account and to whom they spoke with, and the address and number to whom they spoke or sent dispute to, that the information they are reportin is inaccurate cause the CFPB could not get the right bank either, So at this time if this does not resolve the issues then as of XX/XX/XXXX I AM filing suit in XXXX XXXX, ok and will request for all supporting documents to be produced or pay for inaccurate reporting and i wont settle the courts can make the decision on this matter. AND I DO BELIEVE EQUIFAX IS ACTING IN BAD FAITH TO PROFIT FROM THIS TRADELINE. 
THIS IS MY FINAL NOTICE TO EQUIFAX AND THERE RESPONSE WILL BE USE IN COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Oxford Law, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
2009 when unemployment rates were in the XXXX digits Sessoms and Rogers a attorney debt collector capitalized on consumers who lost their jobs and had charged off debt. They will not settle for anything over 75 % of the debt plus interest added back from your last payment. So XXXX dollars becomes XXXX overnight. They sent the Sherriff to my door XXXX times even after I filled out and filed the paperwork to document XXXX assets. I did not even have furniture in my apt . Now that I am making payments and have been for over 1.5 years they file a current collection on my credit like it is brand new. These debts were over 3 years old when the Sherriff came to my door. I should have never set up a payment plan. What they did was pure harassment and unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: Southwest Credit Systems, L.P.
State: OH
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:
On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all three credit agencies and sent out a debt validation letter to XXXX XXXX. One week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-11
Company: Netspend Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a NetSpend card in the mail. It has my first and last name on it. The label advising to call and activate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Selene Finance LP
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been with Selene Finance for a year or so now and everything was going well. About three months ago they sent me a letter along with a certified letter stating that if I did not send my payments by the XXXX of every month that their would be steps taken. Granted that XX/XX/XXXX is when it is due but I have a grace period of 15 days so it is not late until XX/XX/XXXX. I would always send it before the month was up so it did not show on my credit report. I ignored the letter and threw it away. Little did I know that they would stop sending me statements. For XX/XX/XXXX and XX/XX/XXXX I did not receive a statement. I sent them an email which they sent me back weeks later that they had thirty days to get back to me. I never heard anything. I let it go. Then I receive my XXXX bill which has my credit score listed every month. XX/XX/XXXX, it had dropped XXXX points!!! I could n't believe it! I started to investigate and checked my credit report through XXXX and realized that Selen Finance had told XXXX that my account is closed and that I am in chapter XXXX bankruptcy!! That is a bold face lie! I have never been in bankruptcy nor do I need to be considering my credit score was at around XXXX!! I disputed this with XXXX and they just sent me the results of their findings that it will be removed XX/XX/XXXX. First and foremost, I am not in bankruptcy and my account is not closed!! They receive my payment evry month. The bankruptcy can be checked by courthouse records and they can check my account with my account number. 
XXXX

Company response to consumer: Closed with explanation