BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a collection account from XXXX XXXX XXXX because the information was unfamiliar therefore inaccurate. I submitted a dispute via XXXX mail and I received an email from Equifax stating that the account had been " verified. '' None of the original creditors info was included as far as dates payments, date of XXXX delinquency, a signed original contract between me and the original creditor, a contract between XXXX XXXX XXXX and the original creditor giving XXXX the rights to collect on this debt. I asked for all these things in my letter and they were not provided from Equifax nor XXXX XXXX XXXX. Attached are the results of there investigation, this does not validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For over two months, we have gone to the website, XXXX, to try to pay off my son 's Perkins Loan. First 2 times I called and was given various info but wouldnt ' let me pay the loan payment because it 's my son 's account - I 'm his mom and I 'm on the loan papers ( which is ridiculous since I am giving them money, not trying to take it out! ). Secondly we can not get online because after 2 months, we still keep getting error messages ( see below ) that either tells us either the account is no longer with them ( but they do n't say where, why, what, anything ) or most of the time it still says it 's not available but try back later. So we mailed the payment in - it took 4 weeks to get credited for our payment XXXX XXXX for XXXX XXXX payment but posted XXXX XXXX ( it went to XXXX, XXXX, but the check is payable to XXXX, XXXX - we live right next to XXXX in XXXX, XXXX, but we ca n't take it there just to pay it faster, they wo n't take it ), then they submit that payment as a late payment to the credit agencies! We again have tried to call and pay or pay on the website but the hours are only XXXX-XXXX ET, Monday through Friday. During that time period we both work, and can not call them ( my son is in a XXXX, I work for the XXXX leaving the house at XXXX XXXX. and getting home anytime around XXXX XXXX. ) except the few times we tried to call at about XXXX XXXX, we were either put on hold forever or no one answers at all! When we try to pay online and it continues to indicate ( still after 2 months ) try back later? Now we have to mail it in again ( now it says a different company owns them - a XXXX company - ECSI? ) and now it will take them another 4 weeks to post and we will again get credited as a late payment! This is so frustrating! We have no answer why we ca n't pay online, and every time we call, either I get a road block or my son ( its his loan ) ca n't get someone to answer the phone. All we want to do is PAY THE LOAN OFF! and they are making it impossible and ruining credit scores at the same time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed an address I have n't had since the XX/XX/XXXX which tied me to an erroneous collections item, which I also disputed. I received a letter back from Equifax agreeing to delete the address I lived at over 30 years ago with my ex-wife ; however, they said the collection item was still mine. The collection item was with XXXX XXXX and their XXXX XXXX XXXX , XXXX XXXX I explained that for the last 27 years, I lived in XXXX, XXXX with my wife and then moved XX/XX/XXXX to XXXX, XXXX. Unless there is an issue of someone using my social security number, there is no way this account can be tied to be based solely on me living there XXXX some years ago with my ex-wife. I have tried to resolve this issue with XXXX, the collections agency and the credit bureau but to no avail. XXXX XXXX, Executive Customer Relations, XXXX, XXXX XXXX recognized that the social security number on the account did not match mine. However, he said in an email that while their " skip tracing does place you at the account, this may be a case of identify theft. '' Also to be noted, there have been several XXXX addresses and an XXXX, XXXX address added to my credit report since these collection items have been added to my report. I suspect they are now blending my file with someone else 's. In any case, I will continue to pursue this error. I have XXXX so I can ill afford to pursue a legal remedy as my next course of action, but I have successfully gotten help from my Congressional Representative in the past and will likely pursue this avenue next. I 'm hoping though that your Agency can resolve this since your role is to oversee the fair practices of the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
United Consumers , Inc constantly attempts to collect debt from me when my insurance company ( XXXX ) already made the payment. I spoke to representative from United Consumers explained my situation and e-mailed EOB from XXXX but few months later I continue to receive letters from them. Agent from XXXX contacted United Consumers and faxed over EOB and I have asked United Consumers to setup a conference call between their client, XXXX and them but they refuse to do this. All they 're saying is they will send the EOB back to their client ( XXXX XXXX XXXX ) and go from there. I am very frustrated because this is just going in circles.

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 2015-04-22
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I draw a low goverment check each month. No goverment check can be touched by no one. Stop haraasing me.. Stop contacting my bank etc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has changed the reporting of an account I have with XXXX. I have filed complaints previously on this and they last corrected it in XX/XX/XXXX only to be reporting it again as in collections. this account has been discharged in a chapter XXXX bankruptcy and is almost at the 7 year reporting mark do be deleted. this has continued to cause me severe harm in my working to establish credit and appears like it is done on purpose to cause harm and is violating the bankruptcy discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I completed the rehab program their collection agency notified me about, and after I completed it, they started reporting my student loans on my credit report after over 8 years of not being on there and demanded much higher payments, both of which were not completely explained to me could happen since my loans were not on my credit report for being so old. I was in prison, which was cause of the default in the first place, so $ XXXX in student loans is currently over $ 29k and growing, despite me paying back for over 7 years. I am not crippled credit wise, and can not maintain the low payments I had been making for those 7 years. If I falter on the unrealistic payments they now expect, the new ding on my credit report will be even more serious. I feel trapped and tricked into doing this rehab, which was primarily done to get away from their terroristic tactics on the phone, which I previously complained about via the CFPB with no results. What was sold to me as a benefit has hurt me financially and also now on my credit with them reporting a previously unreported for years ( as the 7 year credit reporting guidelines expired on it ) and I was not informed it would affect my credit when they offered the rehab.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Cash advance fee

Complaint:
I have been using my Chase credit card as my primary credit card for over 5 years, spending easily over {$1000.00} per month almost every month. During this time, I 've paid back my balance in full every time without any problems. 

Earlier this year, I purchased some foreign currency while traveling, and used this credit card to pay for that purchase. When the month 's statement arrived, I was surprised to see multiple cash advance fees on my card. I called Chase regarding these charges and they were not helpful at all. I reluctantly paid these fees and moved on. 

Every month after that, I 've been hit with cash advance interest fees despite me paying my statement in full weeks before the statement due date. Each time that I called Chase, they could n't do anything about the current month 's fees, and they did not warn me about the fees that will show up next month. As a matter of fact, in my most recent call, their representative told me they could n't do anything to help but they can close my account. Despite being a loyal customer for over 5 years, and using their products heavily, this was the last straw for me. I 've closed my account and will never be doing any business with Chase again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-12
Company: Windham Professionals, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted this company on numerous occasions asking them to validate the debt to which they have reported on my credit profile. However, I never received a response from the company. I went online and disputed the same account through the credit bureau to which they replied the account was mine. I will ask XXXX last time for a legal debt validation on this fraud account.Furthermore, in accordance with the XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I have never made a debt with this company and never made a promise to pay anything regarding this company. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

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 non-monetary relief
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
To who concern : I called West Fargo customer service at XXXX to complaint because I got XXXX overdraft fee that I consider unfair. But, they didnt take my complaint by telephone. For this reason, I am writingto you because they are charging me those hidden and unfair fees several times. In XX/XX/2016 I deposited online to my account XXXX the sum of {$280.00}, also I had anavailable balance of {$12.00} to make payments in the next day. Then, on XX/XX/2016 I made two payments to XXXX Online. However, Wells Fargo Bank paid those transactions earlier, and they process my deposit two days late. Their purpose was charge me irregular overdraft fees ( total amount of {$70.00} ) like they usuallydo base on their " banking politics ''. 
I want to tell you that these charges are irregular and unfair to the bank customers. They must stop this illegal practice, and I request the refund of those fees which were improperly charged to my account. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14
Company: AmerAssist A/R Solutions, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i was contacted via phone last week from a collection company they stated i owed XXXX XXXX {$1300.00} from 2008 I told them i paid XXXX XXXX {$450.00} for their services and this was a BOGUS collection. I then received a letter on XXXX that was dated XXXX stating i needed to pay the amount the or legal action will take place. The letter states over {$3200.00} which almost tripled from what they told me on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been disputing a contention by Chase that a credit card account it has claimed I owned jointly should rightly include me as a party responsible for its debt. Chase researched its records and provided a copy of the original application used to assign account responsibility. Neither the handwriting nor signature on that document is mine. Further, though bearing only a single signature, Chase nevertheless contends that the account was jointly held with another person with no supporting documentation. 

In XXXX 2016, I advised Chase of its understandable error, providing the company with copies of the same documents they sent to to me from its own records and additional documents in my possession with comparator handwriting that would demonstrate the mistake they made. In this regard, it was my belief that even an untrained eye would be capable of differentiation between the two samples. 

In my letter I asked, again, that Chase remove my name from responsibility for the debt, notify credit reporting agencies of this action, and to amend a false report to the IRS resulting in a XXXX form to me. 

Chase has yet to offer a response of any manner. While the sum involved is insignificant to the bank, the loss since " written off '' and perhaps otherwise irrelevant to it, continuing existence of incorrect records of the misplaced debt continue to have real ramifications to me. Not only was my tax burden greatly increased last year, but a marginal creditworthiness continues to follow me. This issue is one which I would like to resolve in as timely a manner as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealer Services continues to contact my family despite having been asked not to do so multiple times. This week, they contacted both of my sisters. They identified themselves as Wells Fargo and asked for a phone number to reach me. They have my phone number and my payment is not 30 days past due. 

In the past, when I have called representatives from the company have been also been incredibly rude and uncooperative. They also at one point billed me for insurance. Had I not noticed and complained, I would have ended up paying over {$1000.00} throughout the year. 

I regret having secured an auto loan with this company and will refinance as soon as I can with my local credit union.

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 non-monetary relief
Consumer complaint received 2016-02-09
Company: WELLS FARGO & COMPANY
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo, charged me a monthly service fee of {$10.00} XXXX separate times for not using my debit card ten times or more. When I inquired about this, I was told a few of my transactions did n't count because they were n't transaction from using my debit card and they could n't waive the fee. In the past I 've paid a small fortune in NSF fee relying on inaccurate balances due to the bank not posting to my account immediately. I 'm on a fixed monthly income and ca n't afford to have this bank taking money from me. I try to be careful to not go over my balance and now I have to worry about spending enough money from my debit card to avoid a monthly service fee. People like myself ca n't afford to keep this bank in business. They have no regards for people on a low income, if they have to charge fees why must they be so expensive and so many? It makes me feel as if I 've been robbed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a {$3000.00} check in my checking account and Wells Fargo is holding the check for 9 business days. I deposited the check at the ATM and did get a message that the funds might be held. However, I have received this message in the past but the hold has only been XXXX or two days. When I checked my account this morning, I saw the hold date of XXXX/XXXX/16!

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: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a reverse mortgage and was not understanding any of the procedures and most facts. I simply did not understand the ramifications or mortgage satisfactions. I needed to get rid of my mortgage payment as I was unable to make ends meet. I am aware of paying off my home mortgage for {$27000.00} which I believed was the mortgage I had. None of my XXXX mortgage satisfaction statements are in this amount. I also have satisfaction of mortgage statements for {$30000.00} filed as document loan # XXXX XXXX dated XXXX and recorded XXXX and notarized in Montana on XXXX. There is certificate of satisfaction of mortgage for {$33000.00} document # XXXX dated XXXX recording date XXXX ; and notarized XXXX XXXX XXXX Last satisfaction of Mortgage is loan # XXXX NM dated XXXX ; recorded XXXX and notarized in Montana XXXX XXXX. Also included is Schedule of liens for Home Mortgage of {$27000.00} and unknown Wells Fargo Bank lien XXXX for {$33000.00} of unknown date under schedule of Closing Costs. Dates and amounts of money are not congruent and it seems there has been some error or mischief involved with so many " satisfactions '' of mortgage which I do n't know anything about and need explained. At the time of closing I received a check for a little over {$20000.00} and my home had been assessed for {$150000.00} and my home mortgage was about {$27000.00}. It does n't seem to me that I received the correct amount of money. It seems that the amount is way too low. Enclosed also is a reverse mortgage statement of XX/XX/XXXX and a letter of confirmation of loan payment ; loan # XXXX that has no signature or amount. I have tried to understand the statement, phoned Wells Fargo and others and still do not understand it. I do not understand what has happened to me and need help in addressing the problems I still have with it. I have been suffering from inertia regarding this and am reaching an age where I feel I need my papers in order which they are not. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On the letter sent to me by Wells Fargo on XX/XX/XXXX they state that I was concerned about Late fee and Pay off, those are XXXX items that were not a concern to me. I spoke with Wells Fargo about a missed payment item posted on my credit report for the XX/XX/XXXX payment. I never got any email, letter, or phone call letting me know that a payment was missed or late. I signed up for electronic communication per their advice and should have received something as a reminder for my payment. I changed my phone number online but they state this never happened. 
I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XX/XX/XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. He also stated ( Per recorded communication ) that a letter should have been sent before the XX/XX/XXXX letter that I received, he felt the letter should have been sent earlier. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XX/XX/XXXX. I would like to have them remove the 30 day late notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 
This matter has not been resolved and needs to be addressed. 

I have spoken multiple times with Wells Fargo and this issue continues to be dismissed by them. They made a mistake and need to fix it. 
Sincerely

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