BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020, I walked into XXXX XXXX located in XXXX, PA. I had the intention on purchasing a leased vehicle. I found a car that I liked and we started to discuss pricing. The sticker price for the vehicle was {$32000.00}. I told them that my credit was pulled at another XXXX dealership but I was unable to purchase the vehicle because it was not in stock. Finance then told me that they would have to run my credit again, which I did not understand. When the previous dealership ran my credit they told me my credit score was XXXX. However, upon XXXX running my credit they informed me my score dropped to XXXX. I could not understand why it would drop so dramatically within 3 days. Nevertheless, I told them I did not want to put any cash down for a leased vehicle. XXXX XXXX returned and advised that I would need to put down {$8500.00} with {$2000.00} off due to promotion and I would have to pay {$420.00} per month for 48 months to lease the vehicle. Next, finance come over with the paperwork. This was my first time buying a car so I admit I should have done more research before going into the dealership. I agreed to the terms and signed the documents. 

I returned home and told my family of my purchase. After discussing this with my family, I soon learned that I was signed into a terrible deal. Upon reviewing the contract, I saw that with my down payment and my monthly fees I would have paid {$28000.00} towards a vehicle with the sticker price of {$32000.00}. The residual value for the vehicle is {$17000.00}. So in order for me to keep the vehicle I will have to spend {$46000.00}. I immediately tried to contact the dealership with my uncle to advise that I no longer wanted the car. They refused to accept the car and told me I need to contact Kia Finance. I spoke with several representatives waiting for someone to assist me. I was told by one representative that I needed to go back to the dealership and speak with the General Manager and/or Finance Manager. I spoke with both and they again refused to accept the car back. I called back to Kia Motor Finance, and asked if they would deny my original application or void it. I was informed that this was something the dealership would have to handled. I was told so much conflicting information for days. I explained to everyone I spoke with that I feel like I was taken advantage of but no one helped me. Also, I was told that if I traded the car in or sold it that I would be hit with a very expensive early termination fee. I contacted a few dealerships but the most they would offer for the vehicle $ XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2016-04-25
Company: Tormey Bewley Corporation
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had requested more information regarding the debt they were attempting to collect and was told due to HIIPA they could not release that information. After a couple of different contacts I finally received the information in the mail from one of the collectors. I called the Advantage group to let them know that I was disputing the medical charges due to my daughter having XXXX insurances and XXXX XXXX XXXX XXXX were at fault. I received a letter in the mail from the Advantage Group dated XXXX/XXXX/2016 stating that charges were confirmed and had been paid in full with the total equaling {$0.00}.

Company response to consumer: Closed
Consumer complaint received 2016-10-24
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I entered a bill pay with XXXX XXXX in the amount of {$3000.00} towards principal on my Ditech account. The money was received by Ditech and credited to my mortgage account on XX/XX/2016. On XX/XX/2016 Ditech said they returned the money to XXXX XXXX for insufficient funds. This was an electronic transaction from XXXX XXXX so how there could be insufficient funds is a mystery to both me and XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that a payment of {$1000.00} had been returned for insufficient funds and a {$20.00} fee charged to my account. 
Since this time I have made a dozen calls to Ditech, two of which were three way calls with XXXX XXXX. ( I 've made three calls today. ) I was told that customer service representatives are not allowed to forward calls to supervisors on Mondays. Both XXXX XXXX and I have asked for a routing number or copy of the check for the return payment to XXXX XXXX. We have been told by Ditech they do n't have access to routing numbers or specific information about a returned payment. Ditech took 30 days to investigate and sent me a letter stating that the {$3000.00} had been returned due to insufficient funds with no proof of the return. Note that this is a different amount than the original letter. 40 days ago Ditech asked for and was sent a statement of the last 30 days of my account. The transaction is referred to as XXXX on my account. 
Ditech has stolen {$3000.00} and has not returned it. Ditech refuses to assist in finding where the funds have gone. This is theft and fraud. 
I have my bank information regarding the time frame in question as well as a proof of payment from XXXX XXXX

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 2015-04-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a mortgage with Green Tree financial for well over XXXX years. I have tried numerous times to get them to refinance for a lower interest rate. I have had some ups and downs but over the past XXXX years we have been perfect, but yet they say they do no refinancing on existing loans. I have been paying 13 % on a mortgage that is crazy. I have vehicles and much more that have qualified for 5 %, but yet I ca n't get them to respond. Being bad is XXXX thing but this is really taking advantage of people and really bad business. I just wonder how many people they are really ripping off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Ditech Financial LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XXXX/XXXX/2015 at XXXX I was contacted by someone stating that they had a criminal complaint and were looking for XXXX XXXX. The person on the phone verified my contact information and stated the an officer was coming to serve me the next day. I informed the gentleman that I do not have any reasons to have any criminal complaints against me and said sure I will be here. He then asked " did the attorneys contact you, at which I replied no. At this point, I told him that I did not have time to play games with him. He put me on hold to supposedly get the attorneys and I hung up. I XXXX the number that he called from which showed up on my caller ID and it was listed as the fax number to the Arizona Superior Court in XXXX XXXX - Juror Information. Less than a week after this call I received a letter from GreenTree Servicing referencing a debt that had passed the statue of limitations and was removed from my credit report. The letter was dated XXXX/XXXX/15. Once I received the letter I called the phone number listed and it was the exact same person that called trying to threaten or scare saying that I had a criminal complaint saying someone was going to my house looking for me. I told him that as far as my knowledge this was no longer on my credit report and had been taken care of. I asked him to send any documents that he had verifying the debt and I would look it over with my attorney. Which GreenTree did not. Their letter states that the consumer has 30 days to submit proof. The entire actions of Greentree servicing from the start was deceptive and misleading in nature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AL
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 notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My account was used for fraud & withdrew money leaving me in 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 2020-06-20
Company: Exeter Finance Corp.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX  XXXX XXXX XXXX   WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
A Vanilla Visa prepaid debit card in the amount of {$500.00} ( along with a {$5.00} purchase fee ) was purchased on XX/XX/XXXXXXXX  from the XXXXXXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX. At the time of the card being purchased, there was no indication that the packaging had been altered or otherwise tampered with. On XX/XX/XXXX, I opened the card packaging in order to use it only to discover that the actual prepaid card had been replaced by a XXXX gift card with a {$0.00} balance. It appears that the barcode of the actual prepaid Visa card used for activation at the point-of-sale had been photocopied and taped onto the back of the XXXX store gift card and then repackaged so as to appear legitimate. I immediately contacted the Vanilla customer service phone number on the packaging to report the fraud and ask for a refund. I provided all of my contact and identifying information to the phone agent. I also immediately sent an email to InComm as requested with several photos of the packaging, the purchase receipt from XXXX, and my XXXX  driver 's license. The internal case number assigned is XXXX. 

I've made multiple phone calls to the vanilla customer service line and to the InComm corporate office in XXXXXXXX XXXX  to request an update on the resolution, but have received no substantive response from them. At this time, I'm requesting that a refund in the amount of {$500.00} be immediately issued to me via check and mailed to my postal address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made all the payments on my 20 year loan. Now Ditech says I owe them another $ XXXX in service fees. Ditech can not provide an itemized list for the service fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called American Express because they are offering a financial relief program due to COVID. They offered to enroll me in the program, and noted that my monthly payment would be lowered and I would not accrue finance charges for the term of the program. They also explained that this would lower my credit limit and could affect my credit scores. Please note that I only enrolled in this program because I lost my contract income and am now accruing finance charges on my XXXX  Amex card ( I always make more than the minimum payment ). When I looked at my accounts, I saw they had enrolled a different card than the one I contacted them about, with a very low balance. I did not need any help with that card, but the credit limit has been lowered. But they did not enroll the card I contacted them about and agreed to the program for. I have now spoken to them multiple times, and they have stated that the program was supposed to enroll all my cards but there was a technical glitch and something went wrong. On their website, it states " If you enroll an eligible Card account / loan in the Financial Relief Program, all of your other eligible Card accounts / loans will be automatically enrolled. '' It has now been over a week, and they have no responses. When I called them now, they said they couldn't do anything because it was the job of the technical team, and they could take a very long time. They keep saying they know it is their fault but don't know how to give me a response. So essentially, Amex has lured me into signing up for a financial relief program, and then not really given me relief, and has instead lowered my credit limit on a different, affecting my credit scores for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Hello, the bank failed to honor a properly funded payment, by the time I realized this I was late on my payment about 20 days, I had to pay late fees and my credit standing with the creditor was affected. The bank now claims that I put a stop payment on the transaction as the reason for not paying it. I have never put a stop payment on anything in over 30 years. I have asked the bank to provide clarification letters for my creditor and my credit file and they refuse. In the last few months I have had several irregularities which never happened in the previous 30 years of the account, somebody please close this bank it has become a nightmare. Many thanks for any help you 'll provide.

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 2015-09-23
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortage was thru, XXXX, green tree took over the management, and continues to harass us, and threaten us, with civil action, consistent with their recent court loss for these same practices. They say we owe them money from non payment which is false. They have tried to modify our loan payment, and until recently called, daily, threatening us. 

We are current on our pay, mets. And have never missed a payment with them. What did happen is this. In/on XXXX 2014 we made our payment to XXXX. A day or two later we received a demand letter telling us, that green tree was now our mortage handling company. I forwarded a letter explaining that I had already made my payment to XXXX, I recently went to my credit union and retrieved the paper work, proving payment to XXXX, and forwarded that paper work to green tree. After providing proof of payment, we continue to receive demands for late payments, and they keep charging us late fees, for our payments, which were made on time, every time. 

I do not appreciate gree trees aggressive tactics, and am aware of their recent court loss of XXXX XXXX for this very same tactics. I have XXXX intentions of paying more then my mortage payment, or paying alledged late fees, for payments made on time, monthly. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Ditech Financial LLC
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 is not mine

Complaint:
My public record is showing a bankruptcy on my credit that does n't belong to me, it was my ex-wife 's. It was disputed by XXXX and I sent a letter to XXXX disputing it as well and was removed almost 2 months ago. About 2-3 weeks later, it showed back up on all XXXX credit bureaus again after I had received confirmation that i had been deleted. Ditech Financial, the bankruptcy company, had it put back on, and They are n't even the ones who the bankruptcy was with initially with my ex wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial Systems agreed to settle a {$4000.00} debt for {$2000.00} if I set up automatic debit from my bank account for {$100.00} a month. They also agreed that while in good standing they would remove this negative line from my credit report. After 2 months of paying I called because I never received official notification of the agreement. I asked for an official statement or letter and they said they could n't send XXXX. At that point I said I wanted to stop all payments until an official letter was delivered and they said ok. The next month they took the money out again and I called and said " I am not authorizing you to take money anymore please stop. And they continue to take {$100.00} out of my account every month. I do n't know what to do because they wo n't stop taking the money after I asked them multiple times to stop until the agreement could be official. My bank said they can not stop the automatic withdrawal and Commonwealth Financial Systems will not adhere to my demand to stop taking the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, with the help of Wells Fargo XXXX XXXX ( over the phone ), I created new accounts for XXXX XXXX stock that I owned. My purpose in doing so was to have XXXX siblings included as Transfer Upon Death ( XXXX ) recipients. At the time of creating these accounts I called Wells Fargo XXXX XXXX and was told to use Wells Fargo 's Stock Power Form. The guide to completing this form is XXXX pages long. 

In order to correctly complete the form I asked the Wells Fargo XXXX XXXX assistant for help. When I came to Section E of the form ( which deals with a XXXX form making the account tax certified ) the Wells Fargo XXXX XXXX assistant tole me I did n't have to sign that section because I already had an existing account. ( XXXX XXXX form is specific to verifying a Social Security number and provides tax certified status to the account ). 

Under the guidance of the Wells Fargo XXXX XXXX representative, I did not sign Section XXXX of the XXXX XXXX XXXX and then submitted the entire XXXX XXXX XXXX to Wells Fargo via mail. 

In XXXX XXXX XXXX XXXX XXXX merged with XXXX, which involved an exchange of my current shares of XXXX XXXX with the new company now called XXXX XXXX XXXX. But because my shares of XXXX XXXX XXXX XXXX were not tax certified when the new accounts were created, I was taxed on all my existing XXXX shares and again on proceeds from the sale the XXXX XXXX stock itself. 

On XXXX XXXX. 2016 I called Wells Fargo XXXX Services and spoke with another representative over the phone. She pointed out to me that in lieu of sending in a XXXX document, I could have accomplished the same purpose of achieving tax certification status on-line almost instantly. When I originally called Wells Fargo XXXX XXXX in XXXX, I was not told this was an option. 

According to a Direct Registration Account Statement mailed to me after the fact, Wells Fargo XXXX XXXX sold XXXX shares of my XXXX XXXX XXXX XXXX to cover these tax bills, at a cost of {$2300.00}. 

I have been in communication with representatives of Wells Fargo XXXX XXXX by phone to confirm that they sold XXXX shares of my stock and that I paid {$670.00} in withholding tax to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had Wells Fargo back in 2016 and they charged me a bunch of overdraft fees that I know for a fact that I shouldnt been charged I been trying to reopen account and they wont let me because of this..

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I want my money back, you guys owe 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