BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a mail offer from big picture loans, I applied with the approval code XXXXXXXXXXXX, and was approved for XXXX right away. a representative called me right away and told me that the loan would total XXXX with interest, when i said I was not interested he told me they could lower the cost to XXXX, I agreed and after a few more questions I received my funds in my bank the next business day. I started making payments of XXXX bi-weekly on XXXX/XXXX/16, decided to check my loan online to see how much more was owed and was shocked. I see that everything the representative have stated was untrue and that my loan of XXXX would end up costing XXXX and would not be paid off for several years. the interest rate of this loan of 574.7076 %. The " truth of lending disclosure was not disclosed to me until after the loan had been processed and funds were delivered to my bank account. I am struggling to pay my bills and XXXX a month out of my paycheck with nothing going towards the original loan is really making it impossible to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: ERC
State: NC
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:
I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.

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 2015-08-24
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ERC XXXX was put on my credit report and I called. They wo n't remove it and are trying to make me send a bunch of information even after they admit its the wrong name and social security number. I submitted complaint 1 with CFPB and they removed it immediately and now it is back a month later. Called again and same result.

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 2015-07-25
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind

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 2017-03-21
Company: Blakely-Witt and Associates, Inc.
State: TX
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:
This company is saying we owe more then what they are reporting to the credit bureau. I called today to just go ahead and pay the full amount so we can move on and the guy I spoke today was very rude, He said that they got the complaint and I knew exactly who I spoke to. He was very rude with his tone. His name was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I barrowed {$800.00} dollars, they said there would be a one time service fee of {$400.00}. They took out {$2400.00}, and none of that has gone to the loan amount. They recently changed their name from XXXX to BigPicture Loans. The information they sent me this month shows they are charging 758.833 % interest. I had my bank stop the automatic withdrawals. They expect me to pay {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Credit Bureau Collection Services, Inc.
State: VA
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:
CBCS had XXXX accounts for XXXX and XXXX bank. I sent money and the debt was not paid. XXXX claims I still owe {$100.00} and XXXX XXXX XXXX took {$110.00} from my bank account. When I called CBCS they claimed that I never had accounts with them. I can not show the payments as it was debited from a XXXX XXXX card that the employer ( that I no longer work for ) used to direct deposit my pay. XXXX claims that they do not generate statements for the payment because I no longer use the card and it was too long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent an investigation request by mail to TRANSUNION, XXXX and XXXX with non-response. Additionally on XX/XX/XXXX sent a SECOND NOTICE investigation request to TRANSUNION, XXXX and XXXX and as of XX/XX/XXXX I have not received a response or corirmation that my request has been received. 
XXXXXXXX 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 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 2015-09-22
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
These people are charging 275.85 % on a {$800.00} pre-approved loan. The first months payment would be {$200.00}. That is just over XXXX of the total amount borrowed. {$160.00} is interest and only {$40.00} is principle. I did not apply for the loan and do not intend to but I 'm sure many gullible poor people will. If it 's not illegal it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a charge account that is control by Wels Fargo where I had a balance of XXXX and a XXXX charge of interest had been added to the account. I have not been receiving the bills and I have been telling them that as well. Every time I talked to them they said my address has been corrected and I still never received my bill. Now that they say the terms have passed they say I owe the total amount of interest on the account. I tried to explain this to them but they did not care. They said it was my fault and that I owe them the money. I have paid the remaining balance the XXXX. I do n't know what to do, this seems like it is fraudulent on their part. How can XXXX be add to an account with a balance of XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: Ditech Financial LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
after years of attempting to secure a loan modification ( 11+ % ) rejected each time, even w/hardship letters, ( XXXX ). company foreclosed, on day of Sheriff sale, we filed bankruptcy Chapter XXXX ( this is a legal automatic stay ) ( XXXX XXXX, 2017 ) XXXX XXXX Denied the automatic stay sighting a section 362 ( c ) ( 4 ) ( A ) ( I ) of bankruptcy code. Note : research of legal library failed to reveal such a provision. [ XXXX XXXX lawyer for Greentree/Ditech. No. XXXX Premises : ***** ** XXXX Rd. ******, **. 1**** ]. The XXXX County Sheriff 's proceeded w/sale. Even though the involved parties were aware of the bankruptcy. We know our rights have been violated be parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Army and Air Force Exchange Service
State: GA
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 've disputed accounts in the past and even recently and they are still reporting! I have become a victim of your credit reporting issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an ID Care account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ( reported as fraud ) XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX ( i was on XXXX XXXX - not possible ) XXXX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX Late payment XX/XX/XXXX for ALL Dept of Ed accounts

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 2017-09-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Due to the hurricane I had damages to my car and home that I need extra cash for. I had a XXXX line of credit and my mother had XXXX. So we wrote my boyfriend a checking line of credit check so that we can use the funds to fix his car that was damaged and our home. I made a mistake and used my old XXXX check that I requested to close due to transactions I did not approve. I called navy federal and explained what happened. Agent said I can transfer funds instead of writing a check. We found out my boyfriends account was restricted so I transferred to funds to my aunts account. My mother and I could n't transfer it into our account because we 're getting ready to close on a house and ca n't have funds such as XXXX deposited into our account. So when we transferred the funds to my aunt account navy federal froze all our accounts due to fraud. My account, my mother, my boyfriend, my aunt, my brother in law and mother in law. I do n't understand how we can fraud our own accounts when we have almost everything with them and walk into the bank almost every week. They froze credit cards ... auto account ... XXXX ... everything. When I called to get everything straightened out I was treated like I did something wrong. The agent was no help at all. Also when we all went to the branch to talk to someone we were just shoved a fraud form to fill out without anyone really taking to use. They are not trying to help us fix something that is not what they say. We always try to get additional products with them by applying online and trying to move our services over. We tried to transfer money from our XXXX  like we we 're told we can do but that caused all of our accounts to be frozen. Even after explaining the mix up with me writing a check connected to my closed account, they are not trying to listen and have caused a financial set back and stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My sister and I attempted to close our aging father 's professional account at Wells Fargo. My sister worked closely with the local branch and followed their directives. But, even after 6 months the bank continued to reject the paperwork presented. Anticipating our father 's further decline, we hired an estate attorney to help us close the account. Even after appointing me as an officer of my dad 's company and presenting new documentation which followed the bank 's directive, the bank again refused to move the money to my mother and to close the account. The entire time the balance of the account was depleted through bank fees from around {$1800.00} to around {$1000.00}. In the end, Wells Fargo refunded the entire original balance of around {$1800.00} plus some a " consumer satisfaction credit '' and transferred the funds to my mother 's account.

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 2016-10-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank Had an average of overdrafts and insufficient funds on my bank account of a least 12 times during a twelve months year from XX/XX/XXXX to XX/XX/XXXX Attached please find the ironic steps this bank recommended me to take when they were the fraudsters. Would the bank reimburse all financial damages they caused me? 
Would I get money back from the XXXX lawsuit?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My mother sent me {$50.00} from XXXX, MI, I went to pick it up at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.The attendant behind the counter said that Western Union is requesting my Full SSN and that he could not complete the transaction until he had it. I know this is not correct, but he was holding my money hostage until he had my SSN. I 'm contacting your agency because I think that the store or Western Union is doing something illegal in this practice. The store also charged me an extra dollar before they gave me money. I called Western Union, but have not heard anything as of this complaint. Could you please find out why western Union or the store needed my Full SSN, and please help me get my dollar back. I 'm attaching a copy of the receipt from the store, thanks so much for your time, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just opened my new monthly bill and saw that I was being charged a {$75.00} fee for a " broker price fee '' I then called them up and no one knew what the fee was for, but they still refused to remove it. I then asked to speak to a supervisor, and I was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a victim of identity theft and filed an identity theft report and police report and Penn Credit just ignored this information and claimed the debt is valid which is FALSE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in a modification program with Bayview Loan Servicing. I was initially denied the modification in XX/XX/XXXX, but received a notice that trial payments were to start effective with the XXXX 2016 payment. I sent my first payment due XXXX XXXX, 2016 via USPS certified mail. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via regular mail because I did not have time to go to the post office. I mailed it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account. I 've tried calling the customer service number ( XXXX ), but all I get is that no one is available to take my call and that the voice mail is full and I can not leave a message. I 've also sent an email on XXXX/XXXX/16 to customer inquiring about the status of my payment and why it has not been posted. I 've read complaints about this company and of how they will hold payments to make you appear late to either disqualify from your modification plan or report you to the credit bureau. I feel that is what they are trying to do to me. As of today, I will be sending Bayview customer service another email informing them that I will be placing a stop payment on the check that was mailed and that I will be processing the payment over the phone. I do not want this to disqualify me from completing the trial payments for the modification which I feel Bayview is trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX Veterans. Sending these e-mails and calling sometimes take me a lot of time. Bayview Loan Servicing , LLC . is retaliating against me for submitting my complaint to the CFPB ( XXXX ). They still do not answer my e-mail or mail. 
I was able to speak to XXXX today and she said that she could not speak to me because I filed a complaint. She says that BLS has until XXXX XXXX, 2017 to reply to my complaint and that my foreclosure trial is still on XXXX. XXXX, 2017. Is it possible to postpone the XXXX XXXX, 2017 trial. Thank you. 
Very respectfully, XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have previously raised XXXX complaints and despite thing the last XXXX had been resolved the Company still have not sorted out the problem. The previous cases are below. I received a letter from Bay View dated XXXX XXXX XXXX advising that I would have a resolution by XXXX XXXX XXXX but it is still going on. I am able to send emails of all of the messages I have sent the company but they just will not respond to me. 
XXXX CFPB review Response not disputed XXXX/XXXX/XXXX XXXX CFPB review Response not disputed XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We have had this loan for greater than XXXX years, originally as a home equity loan. Late payments were made however payments were always made. We placed it into consumer credit counseling in XX/XX/XXXX when the owner refused to work with us to lower the interest rate so we could pay it off. at this time, we believe it is a negative amortization situation. At this time the owner still refuses to accept a payoff to end the loan ( a reasonable payoff ). We continue to make payments via the consumer credit counseling service and have until XX/XX/XXXX left to pay on it at the current rate. The owner company has more than recuperated their principal amount with interest. The original interest rate was over 20 % and was paid like that for many years.

Company response to consumer: Closed with explanation