BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
A check was written last year in XXXX XXXX in the amount of {$650.00}, for a house that I was renting at the time. I've tried to stop payment on the check due to the fact that the check was lost as per the landlord at the time. I tried stopping the payment on the check with Wells Fargo, the representative told me not to worry about it due to the fact that the check is past 180 days, and that it would be no way possible to cash if it was found. The person has been compensated already for that amount. I check my account on XXXX XXXX to find out that the check had just been posted to my account 15 months later. I have spent countless hours on the phone with every department in that facility. Some representative agreed that the check should not have been cashed being that it was expired and I would receive my money back. I wasn't issued a provisional temporary credit as the representative stated from the moment the claim was filed. I have spent every single dollar that I have earned trying to resolve this issue. I have driven XXXX plus miles making daily deposits to this bank because of their negligence. They failed to do an investigation the correct way, not to mention the check was also tampered with as well. The customer service department have no consistency of policy and the way the bank handles situations that occur. I kept getting transferred to different departments over the course of the last 12 days. I am constantly told that I will receive a call back in 24-48 hours. I have had 4 XXXX and counting due to the stress this issue has caused on my life as well as my family. I have spent unnecessary money and time because of Wells Fargo accepting an expired check.

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 2022-11-02
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
SCAM WARNING FOR SENIOR CITIZENS. I received a suspicious phone call about a month ago from a Lowe 's representative inquiring about an online order than had been fulfilled by pickup but did not think anything about it until Monday, XX/XX/2022, when I received two emails from Lowe 's XXXX  AL with an order log of items I had purchased a year ago totaling {$640.00}. One item, a storm door, was listed twice at a price of {$240.00}. I immediately tried calling Lowe 's XXXX, AL and was transferred via Lowe 's customer service, but the phone only rang -- specifically 15 minutes -- with no answer. I then contacted the executive office and no luck. I emailed a message to executive office and received a phone call from them on the XXXX  of Tuesday, XX/XX/2022. I explained the situation and was assured the matter would be resolved. In fact, I demanded the matter be resolved immediately. About ten minutes after the call with corporate, I received a phone call from a local supervisor in XXXX, AL. I relayed the problem of the strange order with items from a year ago. He stated that not only did I receive these bogus orders/bills my Lowe 's credit card had been billed for these bogus items. I smell an inside SCAM which needs to be dealt with at XXXX, AL Lowe 's.

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 monetary relief
Consumer complaint received 2016-09-26
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunTrust Mortgage , Inc is refusing to endorse and release funds from a insurance claim to me in order to have the repairs completed on my home. There is not heat or A/C in my home and the risk of damage increases each day they delay this process

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 2016-05-12
Company: AES/PHEAA
State: CT
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 was laid off from my job for the second time and decided to go back to school. As I went through they were lookin it my and my husbands income as well. I needed to get a full-time job, so when I went back to working full time they told me I had to start paying off this loan. I 'm XXXX XXXX less than half of my paycheck and is very burdensome. I struggle every month trying to pay that bill as well as my other responsibilities, i.e., my monthly bills. 
If I could get some of my {$66000.00} debt of student loans, and parents plus loans down, this would help me tremendously. I 'm trying to go back to school to earn an XXXX, but I will be XXXX or XXXX years old before I am able to even think about not having to pay any more educational loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I received a written collection notice from Enhanced Recovery Company , LLC ( ERC ) of XXXX, Florida attempting to collect a debt for XXXX. 

I followed the instructions on the collection agency letter and responded in writing in 2013 to dispute the validity of the debt. My letter included the specific statement : " This account is not mine and should be removed from my credit report. " I went to a local XXXX store and was able to learn that my social security number was among the information used to open the account. Other account information included a State of Georgia driver 's license number and expiration date, mailing address and associated home telephone number for a residence in Georgia. 

Learning that my social security number was used to open this account, I filed a police report with my local law enforcement agency and placed fraud alerts with the XXXX credit bureaus. I completed and returned the ERC fraud packet at that time. 

Now, nearly 2 years later, I am unable to obtain a home mortgage because a credit bureau still reports this XXXX account as a collection item against me ; the other XXXX bureaus previously removed this fraudulent collection account. 

I was unable to receive even a pre-qualification letter from XXXX lender due to the appearance of this collection item, even though the item includes a note that it is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: ERC
State: TN
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 recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Big Picture Loans, LLC
State: ME
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for and was Granted a " Big Picture '' payday loan. I was not however informed of the finance charges and fees associated with the loan until after I had " verbally & Electronically '' signed the document. I feel I should have been better informed of the trouble I was getting into. As the loan stands they 're going to charge me 866.2449 % int. fees, and Will end up paying back {$1400.00} on a {$300.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Rossi Law Offices, Ltd
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rossi Law Offices XXXX is a collection agency collecting a debt they say I owed the The XXXX XXXX for vehicle excise taxes during two years I lived solely XXXX and had the vehicles registered XXXX. I have written to dispute this claim, but only get back unsigned responses in the form of new bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citizens Bank checking/overdraft acct no. XXXX. On XXXX XXXX myself and husband applied for a Mortgage with XXXX XXXX XXXX for a new construction home, to our surprise our broker had indicated that we would not be able to get the mortgage because their was a 30 day mark on our CBR for a line of credit at Citizens Bank the broker along with ourselves were shocked as this acct had been opened approx 16 years ago and has never been late. This was a surprise to both myself and husband as we had just applied and got financing, at an extremely low rate, due to our outstanding credit. After researching the account I found out this acct went delinquent in XX/XX/XXXX and appears to have not been report in a timely fashion to the CBR 's in addition while we moved out of state several years back we have never received a statement for this account, a DQ letter or even a call from any representative at Citizens Bank to notify is of an acct being past due. Commin collection practice is to send DQ letters and make phone calls starting on the XXXX day. NOTHiNG from Citizens. The phone number on the system had not changed even though we moved out of state. Now as we sit today we have a second mark on our CBR for 60 days as by time we were notified the month had rolled and there was nothing we could do. Upon receipt of this information I immediately wired funds into the account. On XXXX XXXX I reached out to their customer service department ( XXXX ) and after several minutes of the agent telling me i would have to send in a check to pay it off did the agent realize what I was talking abou and told me I needed to speak with XXXX XXXX. Once transfered I spoke to a rep named XXXX and obtained the balance and provided a check by phone to pay the account in full. I explained the situation and that I would need a letter, while I disputed the account, XXXX said they do not issue paid in full letters. I advised that I know they can do his as I worked as a collection manager. XXXX put me on hold to speak to a manager and returned stating that her manager said " I May '' get a Paid in full letter but they did n't know. XXXX then proceeded to tell me I would get a confirmation email of the transaction within 24 hours and I would have to use that to give as proof. As of this complaint I have yet to receive the " confirmation '' of the transaction despite giving her the email address and her repeating it. Also as of today the money has yet to be pulled from my acct despite receiving a confirmatikn number. i am looking to have the 30 and 60 day Mark removed from my CBR immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. 
Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX major issues that have been poorly handled by this institution. 

Rate lock - From what I understand, they set the expectation with you that they had secured your rate when they had not and it was actually floating. If I am correct, this costed you some money when it was finally locked. 
Zoning Issue - I know very well about this as I helped you resolve it. If I recall, the unit is in a building which was categorized non-conforming due to the possibility of not being able to rebuild in case on catastrophic damage. This lender was unable to solve this and only when I worked through a colleague in Florida was it determined that a waiver letter was acceptable. Based on our discussion, you shared this solution with them and they sorted it out, but they should have been able to resolve without delay and inconvenience to you. 
DTI - In our last discussion, you are now telling me that they are scrambling to resolve a DTI issue resulting from confusion on which debt is personal and which is associated with your business. This should in no way be a last minute issue and should have been resolved at application or after approval, at the very latest. I have not yet reviewed your commitment letter, but I would request it from them as it would have to address this or they are altering a committed deal which is not allowable. In short, if they approved you and told you what they need to close, they can not add items unless your financial situation has changed. 
Blown Dates - Throughout the process, they seem to be stringing you along with consistent unmet promises for dates of approval or issue resolution. This has eliminated your ability to find alternate financing further jeopardizing your transaction and money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with Wells Fargo for over 4 years now on a loan modification. I finally hired the XXXX XXXX XXXX and they submitted the loan modification package on XXXX XXXX, 2015. On XXXX XXXX, 2015 they received an email from Wells Fargo asking for additional documents which were submitted to Wells Fargo by the XXXX XXXX XXXX on that same day. The XXXX XXXX XXXX has been calling Wells Fargo for the past two days trying to get information on whether my package will be placed into review for a loan modification and if the trustee sale will be placed on hold. It is currently scheduled for Tuesday, XXXX XXXX, 2015. Wells Fargo will not give them any information and keep giving them the run around. According to the trustee the sale is still active and set for XXXX XXXX, 2015 at XXXX. I do not want to lose my home. I also believe that this is a violation of the California Homeowner Bill of Rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For months I been asking for Qualified Written Request from time back in XXXX. I still have not receive anything from Wells Fargo. I receive no letters from them to what I had ask for. Now they have been way pass the 60 days mark from providing me eveything I ask for in the QWR. I needed updated information on my account. Wells fargo is refusing to complay with my request and saying they send me the information on this awile back. Which was years ago. Which is not current information. Nevertheless, they did not provide everything back then on what I requested from in the letter. What was sent to me years ago and not current information.

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 2021-09-01
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from navient for a debt that is not mine. The deb is for my now wife and her ex husband from before we were married. I was never on the loan and I have told them repeatedly to stop calling me. Every time they call, they ask for XXXX XXXX, who is my now wife 's ex husband. They refuse to take my number from their system and continue to harass me for someone I am not, and a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is re : Wells Fargo & their fraudulent business practices!! A short sale & reverse mortgage on a house in NY has been in full contract since XXXX XXXX ; The Broker has had it on the market for sale since XXXX XXXX ; after the owner passed away ; Finally getting highest & best offer. The Executor has accepted the offer & given the Broker authority to take care of everything. The lawyer for the seller & Broker have sent all docs ; executed contract, HUD, proof of funds, letter of intent to Wells approx. ( 17 ) SEVENTEEN times since XX/XX/XXXX!!! -to which Wells has not EVER responded in a timely manner to the Broker ; '' claiming '' they have not received a doc. to a doc has expired & needs to be updated. XX/XX/XXXX- they told the Broker " any day now '' a " letter to close '' should be faxed & mailed to her-to NO avail-to date!!! This is a disgraceful, unjust debacle on their part against a very patient " consumer '' who has already spent well over {$1000.00} to lock in a decent rate from his bank! To boot- they have sent a " notice to foreclose '', which the Executor is not interested in doing- This is a short sale since XX/XX/XXXX!!! As well, Wells Fargo has changed Rep 's on this file ( 7 ) seven times w/ each not knowing what is going on. The inability for this bank to get this done is absurd!! This is a short sale w/ a ready, willing & able family man who has made the highest offer ; waiting since initial offer was put in XXXX XXXX & contract completed XXXX XXXX. To say that the buyer- ( consumer ), lawyers & I, the Broker are furious and irate at the conduct of Wells Fargo 's bad business practices, fraud and lies is an understatement!!! PLEASE get us a " Letter to Close '' on this house which is deteriorating by the month. This is all the buyer has been waiting for ... PLEASE..PLEASE

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 2016-02-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief