BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was collected due to a lease impacted under the COVID-19 pandemic. The start of the pandemic congress passed the CARES ( Coronavirus Aid, Relief, and Economic Security ) Act, which prevented landlords of certain residences nationwide from evicting tenants from XX/XX/XXXX to XX/XX/XXXX. The protections were actually extended for over a yearuntil the Supreme Court decision ended it in XXXX, XXXX. My lease was affected under the dates and left the premises during the moratorium effective dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
after several conversations and their inability to assist me get back on track, they continue to call about credit card debt owed ; calling on sundays and holidays, multiple times per day ; after I have asked them not to call since I can not pay and they can not help. they have violated the FDCPA and I have filed complaints with CFPB and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home equity line of credit with Well Fargo. I have had this loan for a long time. The total line of credit is XXXX. My outstanding balance is XXXX. Wells Fargo 's monthly payment request is for XXXX. I have been paying XXXX each month for a long time, so I can pay down the loan more quickly. There are some months I skip a payment, but because of my usual monthly higher payment, that has never been a problem. I skipped the XXXX 2015 payment, and now I am being charged a XXXX finance charge, despite the fact that I am ahead on my payments. I do not think this is fair to me. Also, I have been notified that my account is " restricted '', due to this skipped payment. Again, I feel this is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2015 I open a checking and a savings account at wellsfargo, location branch, XXXX ga, in XX/XX/XXXX a separate checking and savings was open in my name using my personal information by a representative of wellsfargo in XXXX ga branch, the original account numbers for the accounts I opened is these are the accounts I opened up XX/XX/2015 I personally opened .these accounts in XX/XX/XXXX was opened fraudulently by a rep in wellsfargo the rep even called me on the phone and told me he had opened these accounts we had argued I told him he illegally open theses accounts with out my consent or permission he used my personal information, this guy gave me a problem and the manager did not wanted to help I tried to report it, I was blowed off nobody wanted to help, I even tried calling on the phone transferred constantly to different departments and hung up on and treated badly by reps, I have been in branch several times to talk to the branch XXXX every time she was unvailable and ignored the fact that identity fraud had accured .i have been having problems with wellsfargo about this I have discussed the situation with law enforcement and a couple of attorneys, the damage has been done theses accounts were opened and my information used wellsfargo needs to settle this if I do n't get a response I will proceed to discuss with an attorney about this case, the situation has not been rectified, I am holding wellsfargo responsible for this action, I have talk with wellsfargo over the phone the only thing I 'm being told is that theses accounts would be removed from my profile and out of my name this still does not rectify what 's happen the moment the rep used my information the damage was done, have been getting nothing but hassle and nothing resolved like I 'm being brushed off and treated badly I 'm tired of it or I will also file with different consumer agencies and report this to a few news stations, I will file this situation with, CFPB, FTC, GOFCP, please resolve

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 2017-08-15
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Hello I have made some really bad decision in my life, specially when I was younger but I am finally looking to tern my life around. I started to look into my account and monitor my debts and try to resolve them. I noticed a Macys card account that was pending since XX/XX/XXXX but we are in XX/XX/XXXX so I could n't understand why this account was still open and posting for payment. I investigated with Macys and Citi bank, they told me that the Statue of limitations does apply to it and it should n't be on my credit report. They advise to file a complaint with the credit bureau and with Macys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: TENET HEALTHCARE CORPORATION
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CFPB, The amount of the allege debt in question is {$1200.00}. This amount should be {$200.00}. I have been trying to resolve this matter with Central Financial Control and only to be ignored and transfer from department to department with no resolution in sight. 

I have sent out request for verification of this debt which requires Central Financial Control to obtain proper account level documentation and they have yet to provide me of this from the original creditor ( XXXX XXXX XXXX ). I even went as far as contacting XXXX XXXX XXXX and they have no records of this debt in their system. Central Financial Control continues to collect and report to all XXXX credit bureaus. 

In addition to this Central Financial is reporting to the credit bureaus that I 'm " Late '' causing severe damage to my credit report and score. How can this be when CFC is a collection agency and not lender or financial institution that grants installment or revolving lines of credit to consumers. This is a violation of the FCRA and FDCPA by misrepresentation of themselves. 

Another issue is " 1 month term '' being displayed. Again what contract or agreement did I enter with you at the time when you purchase this debt from XXXX XXXX XXXX. You are engaging in misleading and deceptive practices and collecting on debts that you can not obtain proper verification.

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 2015-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
For seven years Bank of America and for two years XXXX XXXX XXXX XXXX has been attempting to do predator refinancing with me. They do this by, refusing to give me twenty year fixed rate VA loan, by trying to charge excessive interest rates on conventional loans, and attempting to getting premium spread interest on 30 year conventional loans. They have also, denied me a remodification of my loan through Harp XXXX times during this period of time. When I try to refinance with another Bank or Mortgage entity. They will not sign the settlement. This is predatory lending, Race and Age Discrimination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been a Wells Fargo customer since 1999 and had a couple of loans with them which I have always paid on time. They stopped sending statements on XXXX of the accounts so I missed a couple of payments. They sent me an e-mail so I immediately called. They claim that my address was correct and they had the correct e-mail and yet the only correspondence I had received from them was asking to call. I explained that I had not received statements and they could clearly see how long I had been a customer, and that I had always made payments on time. I asked them to remove it from my credit report and that I wanted to pay the balance. The manager was very rude and said that I knew of the account and that it was my responsibility whether I received statements or not. They did n't care in the least that I had been a long standing, good customer. I will never do business with Wells Fargo again and I would strongly suggest that you consider another alternative. I have been with XXXX XXXX XXXX for a much shorter period, and they have provided excellent customer service and seem to genuinely care about that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Navient Solutions, LLC.
State: CA
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 unemployed for three months and asked for a payment reduction so I would not fall behind. The XXXX XXXX/Navient Rep said they would not help me even a little with any sort of reduction in payment. They ENCOURAGED me to file Bankruptcy so I could get rid of my other debt in order to be able to make my full payments to them ( since they know their loan is not dischargeable ). This is a " XXXX '' loan, but apparently not able to be consolidated because it is " XXXX ''. They also made me pay {$150.00} for each XXXX XXXX loan I have with them ( {$450.00} every six months to defer the payments when I XXXX got out of XXXX in 2006 and could not find a job ). All of my other loan companies deferred without payment. My other loans were all able to be consolidated as well. After encouraging me to file bankruptcy, they have called me around XXXX times per day ( even after I would talk to them ), called my mother and father and sister and have been asking everyone where my new job is. It is unbelievable they are allowed to treat people this way- and now they want to harass me at my new job?!? So I can get embarrassed and XXXX after looking for this job for over a XXXX and a XXXX?!? No other loan company does this and everyone else worked with me for the few months I was out of work. I went from perfect credit and XXXX missed payments to the worst credit ever in three months. They made me want to XXXX myself because of the way they treat me- purposely calling me all day so I can not talk on my phone and encouraging me to ruin myself financially so they can get paid more quickly. Going to graduate school with XXXX XXXX loans is the biggest regret of my life. They are called " student loans '' and they reap all the benefits of not being XXXX, but they will not allow me to consolidate them or defer or forebear them?!? All of my other loans are consolidated and the companies do not harass me like Navient/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan debt. Under complaint number XXXX, XXXX XXXX " XXXX '' XXXX alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to XXXX in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that XXXX needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Back when I was younger, I missed a payment or went over my available credit once or twice on my Bank of America credit card. They hiked my interest rate up to XXXXXXXX. I have been paying in full, never going over limit, and keeping my credit card in good standing for the last 3 and a half years and the company refuses to drop my interest rate or increase my limit.

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 2016-04-15
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
ARS national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I work for XXXX and currently my wages have been being garnished for the past year. I have wrote two letters to the President of the US and have received a response. I did not know this bureau existed until the current lawsuit. My student loan is with Navient and they would not work with me. My son was diagnosed with XXXX, as well as XXXX which put me behind in my loan. They refused to work with me to get my loan current. I told them I could provide all medical documentation which clearly states that my finances were helping my child. They are garnishing my wages as well as continuing to accrue interest will they are garnishing my wages as well. They refuse to help me and just keep taking from my check as well as adding on interest while taking. Please help. The President of the US has sent me a letter in return that he is hoping to fix this situation. I can provide all documentation to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Early Warning Services, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Mailed entire complaint to FCPBureau tracking no. UspsXXXX. 
XX/XX/ from XXXX, ms.all 5 reports plus letters and more attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: MS
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a low income based payment in place. And the irs still took my refund. I received a letter stating that the offset was to be cancelled. However, my funds were still offset. I am going through a garnishment from my payroll at this very moment from the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX/XXXX/2015, XXXX MT, XXXX, showing as Private Name on home phone, called and asked for XXXX. I replied " You have a wrong number, '' and hung up. 
XXXX/XXXX/2015, XXXX MT, XXXX, called my cell phone. A nasty toned female rattled off supposedly her name and some supposed id number. She mutilated my name and wanted me to '' tell XXXX to call '' her " today. '' I told her she had no right to call me. She replied that she could call me on any number she wanted to. I told her I did n't know who she was. She raised her voice and said 'of course I did, she had already identified herself and told me she was from Navient. ' I told her I 'd been the victim of the IRS and Anthem hacks. She attempted to talk and yell over me. I hung up. 
I cosigned a private loan and have XXXX XXXX loans associated with my daughter XXXX. All XXXX loans are current. If this was a valid Navient phone number and Navient representative, Navient had no business calling me and demanding that I call or contact my daughter ( or anyone, for that matter ) regarding anything that I am not personally responsible for. This is harassment, bullying, and unprofessional conduct and activity. In addition, years ago XXXX directed XXXX XXXX to remove my name from all her federal and private loans ' contact lists. They supposedly did, but now Navient is calling. Why is n't Navient abiding by XXXX XXXX 's supposed " word '' not to call me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A check was given to me for services rendered. The check posted and was cleared. 2 months later my bank informed me that the check was fake and was returned. This check was for XXXX. Check writers bank ( wells fargo ) never contacted me to ask if person who wrote check stayed at our Group Home. I have all kinds of proof that check writer and his wife both stayed with us for XX/XX/XXXX. My complaint is about the process the bank followed to arrive at their conclusion. If it is a fact that both husband and wife stayed with us then HOW DID THEY PAY FOR SERVICES rendered??? Did wells fargo ask for proof of how they paid for this service? NO they did not. Why not? 
The check writer signature is the same as on our Resident Agreement Contract. But if you notice when we took him and his wife to the doctors for a XXXX he signed for both him and his wife. Both signatures are different and also different from the alleged fake check. I would like proof from wells fargo how they paid for these services. This reversal never should have occurred until these questions are asked of the merchant. EXAMPLE You take XXXX friends to florida and rent a nice beach house for a month for XXXX and then lets say 5 months later I call wells fargo and say hey wait a minute I did not write or sign that check. Wells fargo says oh ok ... ... ... ..and then BOOM ... ... ... merchant is now out the money they worked hard for. There must be something in place that will help the merchant also. My belief is that wells fargo did not follow proper steps to keep the merchant side protected. I am very happy to supply any witness or document proof to show in fact both husband and wife did in fact stay at our Group Home for XX/XX/2016. My efforts in all of this is not about just getting my money back but to also look at Banking Institution Policies and procedures that end up hurting the merchants. 
Wells Fargo could very easily contact us but they choose not to. 
I am surprised this type of thing is not being used by world wide scammers ... ... ... ... ..it seems like a perfect scam. Just open an account with wells fargo and then go on vacation and then 3 months later say you never wrote the check. Wells fargo will check a few signatures and then just get your money back.

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 2017-08-15
Company: Experian Information Solutions Inc.
State: LA
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 have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Experian is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with 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 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Before applying for a Bank Americard Cash Rewards Card, I was told " your interest rate will be determined upon approval '' and told ... '' you may cancel the card if I am not happy with the interest rate. '' I applied for the card and received notice saying " your credit application has been approved with a {$13000.00} credit line. '' There was not mention of the interest rate as promised. I consider this false advertising. 

I called, no one could tell me what the interest rate was, and I was told to wait XXXX weeks until the card and paperwork arrives. I would have not applied if it took weeks to find out what the interest rate was. 

I find this totally offensive that they tricked me into applying then make me wait. In the meantime, my credit score drops because of their checking so I am TRAPPED with no card having to wait to see what the interest rate will be, before applying for a card elsewhere. This is a total strong arm lender biased transaction that is unfair to all consumers. BOA should be required to tell me the rate BEFORE applying or at the same time they give approval.

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