BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-19
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was issued a credit card by First National Bank of Omaha under the title of XXXX. I made all payments at the First National locations in XXXX. I allowed my daughter to use the credit card. 

Today at a trial in XXXX, a XXXX year employee of First National Bank denied the credit card was issued from XXXX. He contended, under oath, that was not possible. But I know firsthand as I used it. I am not denying that, but the employee from the collections department at the Bank was untruthful, as to the issuance, activation and ownership of the XXXX 

The records will verify I made payments until I incurred medical, legal and financial difficulty and I never refused to pay. XXXX, being the XXXX dollar corporation litigated against my daughter and I contending we were jointly responsible. And conveniently, First National contended they do n't have any records prior to XX/XX/XXXX, to verify the card was issued under the XXXX name. 

In the XXXX XXXX on page XXXX item XXXX, it states " From approximately XX/XX/XXXX until XX/XX/XXXX, Respondent marketed and sold the Credit Monitoring Product PrivacyGuard. '' How does XXXX acquire records as First National contended they do not mine have relating to the XXXX Visa? I believe they are involved in another untruthful operation. 

I am requesting an interview to ascertain if an illegal act has been committed. 

Thank you. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am on social security XXXX and when I took out the loan for {$800.00} I did not realize that when the loan was paid that I was paying them {$2300.00}. They knew I was on XXXX and that my income was fixed. Also my XXXX is a XXXX that causes to not understand and know what I am really signing. I paid back over {$1600.00} to them and could n't any more. At the end of every month I had no money or food until XXXX on the XXXX of the month. I even called to make other arrangements but they said no. So I stopped paying them and a couple months ago made a payment arrangement with me for {$99.00} a month. I thought that was the end of the loan but I am still getting phone calls and threatening emails. I tell them I am only about to pay {$99.00} a month but they said even after XXXX monthly payments I still owe them over {$200.00} still. I asked them to send me a statement and they told me they do n't mail out anything it 's done through there website. It tells me nothing or explains nothing. I do n't have a written contract. They said I signed XXXX on line. I do n't know or remember ever doing that. I have explained everything to them but nothing matters. I suffer from XXXX and there phone calls are making everything worse. I do n't want to go back to the hospital and I have no family.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I do not understand the payment history on my account. Repeated attempts to find out why there were repayment plan payments applied when I never agreed to a repayment plan. Local branch and mortgage loan opertations could not explain. I also do not understand why they were satisfying Late charges and expenses instead of trying to get my account current. what was going was to no avail. Credit History has been impacted.

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 2017-05-01
Company: Conn's, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been in contact with  Conn 's on multiple occasions in regards to the reporting of payments made on my account. I have pulled copies of my credit report and have noticed that Conn 's is not correctly reporting payments that are made to my account on time. There are months that were not reported or marked late on one c redit report while the other  XXXX  bureaus has the payment marked as on time. There is conflicting and incorrect information being listed on my credit file which is making it hard to aquire trust and credit from other comp anies. Conn 's representatives has not been helpful in helping to correct my report.  All three credit files reflect different information and I am being reported for late payments in months that I have been on time. Providing false information to the credit bureaus are against the law according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband, XXXX, is an XXXX XXXX XXXX XXXX Veteran that requires XXXX. 
On XXXX/XXXX/XXXX we called Wells Fargo to request mortgage assistance. During the financial interview we were told that Wells Fargo could n't help because we did not have enough income. I tried to tell them that we had applied for an increase in my husbands XXXX benefits they said they did n't care. At this time my husbands XXXX was XXXX per month and we received XXXX in food stamps. 
On XXXX XXXX I began employment with TDID at a salary of $ XXXX/ month.On XX/XX/XXXX my husbands gross monthly XXXX was increased to XXXX. Out current monthly food stamp benefit is XXXX for a total household income of XXXX. 
On XXXX XXXX, XXXX we reapplied to Wells Fargo for assistance under a change of circumstances and submitted all documentation verifying a significant increase of monthly income. 
We received a letter from Wells Fargo on XXXX/XXXX/XXXX stating " Based on the recent information you have provided to us, we have determined there has not been a sufficient enough change in your circumstances for us to conduct another review ''. This is a blatant mis-representation of the truth.The letter is not signed by anyone and when I called Wells Fargo they refused to speak with 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 2022-06-03
Company: United Collection Bureau, Inc.
State: NV
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Brock & Scott, PLLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested the records of this account because I believe this account was opened by someone other than me. I have not gotten this information and I 've been sent a repayment agreement that is asking me to notarized. Which I was n't aware of apparently a court date was missed and they are saying that I have to sign and notarize this agreement because they could take my house, car or anything they feel is valuable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: I.C. System, Inc.
State: NV
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2016-08-02
Company: U.S. BANCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up an account with US Bank for their {$150.00} account opening promotion. A couple days after I setup my direct deposit they said they decided to close my account because of my trial deposits. This makes no sense as when you link any external account a trial deposit is made. They said this is because my name is not on the account and I told them it is a joint account and i can offer bank statement if necessary. This is absolutely ridiculous for closing my account over a trial deposit and I highly suspect they simply do n't want to pay out the {$150.00} bonus.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2015-08-02
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I was told I was delinquent on rent and that I owed money for damages and cleaning fees from an apartment complex, XXXX, which I lived in last year. On XXXX XXXX, 2015 I provided the collections company, U.S. Collection West , Inc., a receipt from every month I lived there, showing that I paid rent every month. On XXXX XXXX, 2015 I asked them to not contact me regarding that debt since it is not valid. On XXXX XXXX, 2015 I received another letter from them dated XXXX XXXX, 2015 again asking me for money which I do not owe. Additionally, they contacted an associate of mine asking for my phone number, telling her they were calling from a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: CNG FINANCIAL CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received an email approximately 3 weeks ago stating that a loan for {$3400.00} was taken out in my name at Check n Go. I never applied for this. I called the company. There are XXXX sections within the company : the website and physical stores. The website had no record of my information. They claimed they were unable to look up my information within the store portion. There are no Check n Go stores in New York State where I reside. I filed a report with XXXX as they said to do. No one has followed up with me. I am now receiving emails that I owe {$470.00} on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/2007 i bought a new pickup and financed it XXXX XXXX. On the financing contract XXXX stated that if the contract was assigned to another lender then we XXXX the new lender and I had to sign the new financing agreement, because we could negotiate the new interest rate. One month after we signed contract, XXXX Bank bought XXXX XXXX but they did not comply with the assignment terms of the contract. XXXX was caught laundering XXXX XXXX dollars in drug money, Wells Fargo bought XXXX and Wells Fargo sued me even though XXXX or Wells Fargo did not have any contract with me they did not have standing to sue me in any court or any right to take my property the XX/XX/XXXX truck. The republican judges in Texas all the way to the Supreme Court of Texas just ignored my pleadings. I have a copy of the contract it can still be read even though it was shrunk down when Wells Fargo filed it in court. More damage that Wells Fargo continues to do is even though they never had any contract with me, they report to XXXX XXXX I owed XXXX about XXXX this on my credit report makes it almost impossible to restart my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: WELLS FARGO & COMPANY
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:
Wells Fargo promised to collect {$300.00} Special Handling dept per XXXX to make XXXX consecutive minimum payments with the collections Department. When I call collections, {$350.00} is demanded. I advised of receipt of a letter from the executive dept stating min payment of {$300.00}. Collections connected me with special handling dept. A representative who barely spoke XXXX is telling me that XXXX is no longer with the company. No info regarding {$300.00}. 

I want to get on a hardship program. 

I was promised that if I make {$300.00} for 3 months in a row, special handling would give me the program. Now the collections just want to take a payment and not apply it to XXXX of the XXXX payments towards the program. I was lied to!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
They will not allow me to use the money they have in my Venmo account. They need to verify my identity ( fine ) - but I have submitted my documents for this TWICE ( once in XXXX, once in XXXX, XXXX ). I have the confirmation emails that they have received them and are processing them and it will take 2-3 days. However, they never process them. The chat and phone assistants cant help with this, but promise to escalate the problem to a back office that has no time frame for resolving it and no way to contact them directly. 

I want my money that they are holding ( only {$66.00} at this point, and rarely do I have any in that account, but earlier this year it was {$100.00} - MY money that I couldnt use because they refuse to do what they say. 

AND I want to be able to use Venmo as it was designed in the future without wasting HOURS of my time trying to get them to do what they said they were doing months ago, Companies who hold peoples money should not be able to hide behind theres no way to reach us directly only our frontline assistants who cant help. 

I am FURIOUS that this has taken so long to resolve and that their company is so unapologetic about not dealing with it. ( Because it doesnt effect them. ) No business should be able to operate like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I am receiving calls at my job from a company named XXXX XXXX. They have been told my HR department that I am not allowed to receive personal calls at work through my work line, but the calls and voice messages continue. They told my HR department that they were calling on behalf of Check n Go

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had agreed to pay Wells Fargo {$150.00} a month until my account was paid in full. When the account got with in a few XXXX I tried to call and pay it in full. I was not allowed because I did n't know the work number that they had on file since the account was several years old. The customer service people said it was fraud since I could n't give them that piece of information. I then waited for normal monthly payments to come out. It was down to {$42.00} which I mailed a check in for but they debited my account {$150.00}. They overdraw my account and refused to give me the overdraft charged by my bank because this error was my fault. My answer was that how can it be my fault to assume when an account is paid in full I should not have debts come out. So, 30 mins later I had to accept to wait 14 days for my money back and that they would not reimburse me for my mistake of assuming they would n't take extra money. In addition to the lost money and the waiting 2 weeks for my money back I lost an hour from work that I did n't get paid for. Wells Fargo on the other hand made what XXXX B last quarter alone. Please investigate their services. Between the lack of communication, the slowness in applying funds and the over collection I feel they are guilty of other larger discrepancies that break cfpb regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on your report came from identity theft. And instead of blocking the items, they put them in dispute along with other accounts I did n't ask to be blocked. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Equifax which is not true at all!!! 
I only asked for these XXXX items to be blocked : 1. ) XXXX XXXX BANK XXXX XXXX # XXXX 2. ) CREDIT XXXX BANK # XXXX 3. ) XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo mismanaged my escrow account. My home was purchased XXXX XXXX for {$280000.00} XXXX/XXXX/XXXX - Wells Fargo refunds from escrow {$1500.00}. Also drops the monthly payment from {$2000.00} to {$2000.00} ( - {$48.00} represents a 2.4 % reduction in payment ). 

XX/XX/XXXX - 5 months later Wells Fargo re-runs escrow analysis. They determine that my escrow account is now short {$1500.00}. They have forced me into a situation where I have XXXX options Option 1 : Come up with {$1500.00} in two months and raise my payment to {$2000.00} ( XXXX increase of 4.1 % ) Option 2 : Spread shortage over a year which results in a new payment of {$2200.00} ( + {$200.00} increase of 10.3 % ) Neither of these options work for me. I can not afford an increase to my payment of over 10 %, and I can not come up with the shortage in the amount of {$1500.00}. My family is a single income household of XXXX people. 

I do n't feel this is right given that I have a USDA 100 % financing fixed rate mortgage. My payment should not swing up 10 % in a given year. I took a USDA 100 % financing loan because I do not have a lot of extra cash just laying around to pay $ XXXX+ in a given time of year. I spent the refund that was given to me XXXX of last year on bills and XXXX. I think the amounts show that the escrow account was setup correctly at the time I purchased the home XX/XX/XXXX. The mortgage company received tax bills in XX/XX/XXXX, but must have been off of the prior assessed home value ( prior to my purchase ). Wells Fargo should have known something was incorrect given that the assessed home value reflected on the tax bills was {$30000.00} under the purchase price. Below is a chart taken from XXXX. 

Year Taxes Land Additions Total Assessment XXXX {$5000.00} {$70000.00} + {$210000.00} = {$280000.00} XXXX {$4400.00} {$60000.00} + {$190000.00} = {$250000.00} XXXX {$4500.00} {$50000.00} + {$190000.00} = {$240000.00}

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