BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When I opened my auto loan with Wells Fargo I set up automatic payments to get a better interest rate. I have been having trouble with the automatic payments on my loan because there is no reminder feature so there were late charges on my account. This month my regular ACH Debit payment of {$300.00} was withdrawn for a different amount, it was {$450.00}, which I did not authorization. There was no warning or notice this extra money would be taken out of my account.How is is possible for the bank to randomly take money from someone 's account without telling them? In addtition Wells Fargo, charged me return check fees for my auto account, return check fee for the savings account, although the money was in the account, late fees and " assessment '' fees. What a scam! My savings account is also a Wells Fargo account so they knew the only money in the account was the authorized payment of {$300.00} so they intentionally took more money out of the account. Are they intentionally overdrawing people 's accounts to get all of the associated fees? I have made a complaint and was told that they are entitled to take however much they choose if there are fees but I was never told that this was the policy. Wells Fargo should be ashamed of themselves, stealing from their own customers. I thought Wells Fargo was such a reputable company but I guess if times are tough and they have access to your bank account " AUTHORIZED ACH DEBIT '' does not mean the amount you authorize, it means the amount the bank decides they are taking!

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 2015-11-22
Company: XOOM CORPORATION
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent {$100.00} via XOOM which has not been paid yet the below receipt copy says that it has. 

De : Xoom Order Status Team XXXX XXXXXXXXXXXX XXXX XXXX : XXXX, XX/XX/XXXX XXXX p. m. 
XXXX : XXXXXXXXXXXX : Money Transfer Completed XXXX - Global Money TransferYour recent money transfer to XXXX XXXX XXXX XXXX has been completed and has been successfully picked up. 
XXXXAs a reminder, here are some details of your transfer : Xoom Tracking Number : XXXXSent to : XXXX XXXX XXXX XXXX XXXX : XXXX USDTo view the current status of your transaction, visit Track your transactionFor Customer Service , visit our Help Center or call XXXX ( XXXX ) or XXXX ( XXXX ) Transaction status email is automatically generated. If you reply to this email, we will not be able to read your response. Please do not reply directly to this email. If you need help, please contact our Customer Service department. 

About Us | User Agreement | Privacy Policy | Security | Site MapCopyright ( C ) XX/XX/XXXX-XX/XX/XXXX XXXX XXXX. All rights reserved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: XOOM CORPORATION
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried to send {$2900.00} to my cousin brother through https : //www.xoom.comXXXX on XXXX XXXX 2015. 
According to the advertisement the money should be deposited instantly, so far they are saying the company is working on getting some status update from their partner. I am not receiving proper status update from them. I would like the money to be deposited in cousin 's account or refunded back to me ASAP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02
Company: Franklin Collection Service, Inc.
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XX/XX/2011, I developed a XXXX and found myself in numerous XXXX. In every case, I asked if I would be held responsible any costs of treatment. I was told that I would not be liable for medical services, the main importance was that I receive the proper medical care for my XXXX XXXX. I just discovered that those hospital visits have been deferred to eleven collections agencies. My credit score is now terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Pinnacle Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2015 I received a collection bill from XXXX, informing me that they were attempting to collect a bill on behalf of Pinnacle Credit Services , LLC. After receiving the bill I agreed to pay the portion that I was responsible for. On XXXX/XXXX/2015 I paid the bill in full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact Pinnacle Credit Services, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted Pinnacle Credit Services LLC and XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Western-Shamrock Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My employer received a fax from Western Shamrock manager, XXXX, located ad XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OK, asking for employment verification and garnishment information. I have not been served with any documents or information concerning a garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: WELLS FARGO & COMPANY
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was the first one in my family to attend college and nobody could afford to send me completely. I received significant scholarship funding and financial aid but still needed to take out about {$50.00} XXXX in private loans. Over the last three years, the interest has boosted that amount to $ XXXX already. This is in conjunction with federal financial aid that is well over XXXX figures. There is no way I 'll be able to support myself and I 'll have to move back home. They charged me just under 10 % interest on a loan for $ XXXX. This is obscene. I would have been better off not attending college.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have a loan through Navient and I am unable to pay it because they do not have my correct birth date. I can not log in because I have to validate who I am and it doesn't have my correct information. I've tried to call so many times over the past couple of years and they tell me they can't even talk to me because they can't verify who I am. They just keep pushing my account into forbearance and I keep gaining more debt from interest and ruining my credit. I've been trying to fix this for so long and I'm feeling completely hopeless now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Pinnacle Credit Services, LLC
State: NY
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:
XXXX XXXX, I REC'VD A XXXX FROM PINNACLE CREDIT SERVICES OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, XXXX XXXX XXXX WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT PINNACLE WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: D&A Services, LLC
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hi, this is in regards to a XXXX credit card ending in ( # XXXX ) in the amount of {$28000.00} held by collection agency " D & A Service '' that has had no activity and or payment history in more than ( 6+ ) years making it time barred from persuing legal remedies to collect since the statue of limitations has expired. I would like you to contact " D & A Service '' to have them remove this negative and time barred debt from my XXXX, XXXX & XXXX credit report since all my efforts have been exhausted and or failed. In addition, if possible, have them write a letter on my behalf confirming this debt indeed has exceeded the ( 6+ years ) time to collect. 

COLLECTION AGENCY : D & A Service ( their account # XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, IL. XXXX : ( XXXX ) XXXX last XXXX digits of my social security if needed is ( # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CFM Group LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been in contact with the representative for the account they are trying to settle. I am not authorized by the company I work for to make financial decisions, therefore, I must wait until authorized personnel respond to my contact attempts to resolve. 

This company continues to call multiple times per day, and dials every extension in the company and leaves multiple messages. 

This is illegal, and yet, they are allowed to continue to practice in such a manner. My company wishes for their aggressive attempts to cease immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: 1ST ALLIANCE LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced with the same mortgage company. On the first loan they had listed in my escrow account XXXX XXXX and XXXX. I have a copy of the escrow from this loan. 
When they refinanced, they dropped the windstorm insurance, why? I have no idea. 
Now they had to pay for the windstorm and are passing the blame for this error on my Insurance agent stating that it was there responsibility to inform 1st Alliance Lending. The insurance agent is stating that it the mortgage companies ' responsibility to make sure that XXXX XXXX is necessary especially if it was showing in the escrow on the first loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: Stellar Recovery, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX has an address I have not lived at listed : XXXX XXXX XXXX XXXX XXXX, FL XXXX is NOT an addressed I have oppucied. I just noticed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRASection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-05-06
Company: Pinnacle Credit Services, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Social Finance, Inc.
State: VA
Product: Other financial service
Sub-product: Debt settlement
Issue: Advertising and marketing

Complaint:
I received a letter in the mail from Sofi or Sofi.com to cut my interest rates and help reduce debt. At the bottom there is an opt out number to call : XXXX. When you call it describes that this the CFPB number to opt out of these offers and ask for your social. I know that CFPB would not ask for you SS # over the phone and this is a total scam. Please investigate and shut these people down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Consumer Asset Management (Texas)
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/15 I received a phone message from XXXX XXXX to call XXXX about a credit card matter that, if not resolved, would result in a lien placed on my house. I called, she passed me on to the atty, XXXX XXXX @ XXXX. He told me I had a XXXX XXXX in arrears for {$43000.00} and could resolve the matter by paying him {$3000.00} on my credit card. I do n't have a XXXX XXXX. I did not pay him. Instead I told him that I was reporting this call as a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I lost my Wells Fargo debit card, thought I had misplaced it. I logged on today and saw deposits being made into my account from XXXX ( I live in XXXX ). I immediately stopped into my local branch to freeze the card & inform them of the ATM deposits I saw online. Well, guess what? They advised me my account would be closed on XXXX XXXX and after their investigation I can recoup any funds left in my account! I am a XXXX Veteran and victim here! I told Wells Fargo I lost my card and was the one that brought the out-of-state activity to their attention! My local banker tried to rally for me but the person on the other line ( corporate? ) would not budge, even when he pleaded that they were about to make a XXXX homeless! I am sick to my stomach because my VA XXXX posts tomorrow and I have to pay my rent, electric, phone bill, insurance, car note, etc. but Wells Fargo does not care! They advertise how " Veteran Friendly '' they are but we all know how the big banks do nothing but look out for themselves and destroy the lives of thousands of their customers that put their trust in them to do the right thing. I argued with family & friends that I should give Wells Fargo my business ... I should have heeded their objections.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Dear Sirs ; I get paid on the first and third of each month, I pay my housing on the first of each month. Hyundai finance dinged my credit report and I can't apply for XXXX XXXX with the military for my housing. I pay my car payment on the third of each month. Hyundai finance went behind my back and marked me late for three months. This is wrong by any stretch of the imigation. Get this off my credit report so can apply for 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