BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: ALLY FINANCIAL INC.
State: ND
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Lease payments were all made on time or early. Turned vehicle in 3 weeks before due. The dealer tried to call bank rep for schedule of review. No response so dealer XXXX. did walk around and found vehicle to be clean, tires good, body undamaged, no dings or other repairs needed. I'd purchased insurance at signing for {$750.00} and agreed to pay {$10.00} more per month for body ding & windshield protection without any deductables. 
I informed and showed dealer manager the policy being left in consol. I offered to meet bank and place any claims necessary. The mileage allowed for 3 yr lease waw 15,000 per year. 45,000 total. Turned in at 44,000 + but below 45,000. The bank arbitrarally billed me for 1 tire @ {$200.00} and a chip repair in windshield @ {$190.00} for total of {$390.00}. I sent a letter disputing these extra charges. Bank said I turned car in wrong and these extras were owed. Again, I disputed in writing. I guess wear & tear didn't matter because already I replaced 3 tires @ 35,000 +/- miles and 1 complete windshield with XXXX XXXX. Bank began to harrass me by turning to collection as unpaid payment due. I also disputed at collection leval. Bank wrote off loss and sold my account to collection firm. Ally Bank has ruined my credit causing my home refinance to be denied.

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 2016-02-09
Company: Global Lending Services LLC
State: DC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Global lending services has refused to remove the ( XXXX ) 30 day payment reporting sent to the XXXX credit bureaus. The only month that i was 30 days late was for the month of XXXX XXXX yet the company has continues to report me 30 days late for the months of XXXX ( received XXXX payments to make up for XXXX ), XXXX, XXXX XXXX and XXXX XXXX. I also have documentation giving me an extension for XXXX and XXXX XXXX and yet they have already reported me 30 days late for XXXX. This information is inaccurate. I have statements from the company 's own website glspay.com with payments history showing payments were made before the 30 day late period. I have also have bank statements that show, the company has received over {$3000.00} in payments since the Month of XXXX XXXX. Ive tried speaking with customer service, even after explaining that the payments were made through their system on a bi-weekly basis there has been no compromise. I have email, called, left voicemails, provided bank statements, and pleaded. I really need those late payments removed because i did not pay 30 days late except for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car is financed through Carfinance.com. I fell behind in my payments and have been receiving constant harassing calls from them. The Carfinance.com agents are extremely rude, pushy, and threatening. Even if you make a payment arrangement, they will continue to harass you. They begin calling at XXXX every morning and do not stop until the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: ERC
State: TN
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:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

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 2016-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I used citizens bank ATM machine XXXX/XXXX/16 and it " ate '' my debit card. On the next baking day the manager said I cant get my card for 5 days. After a 2 month interval I used the same machine and the sme thing happened again. I was told an executive would contact me. No one ever did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.

Company response to consumer: Closed
Consumer complaint received 2015-03-29
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After getting a landline phone and number, we started to get debt collectors calling for debts that do not belong to us and that the people they are looking for we have never heard of. We tell them that there is no such person, however, these debt collectors keep calling!! Can you help us? XXXX of the companies is " Enhanced Recovery '' at XXXX and XXXX. Another is XXXX XXXX ( or that is what it says. However, that is not them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was loaned {$800.00} from CastlePayday Installment Loans with the agreed terms I would pay a one time finance fee of {$280.00} upon receiving the loan. They did not disclose to me a {$280.00} finance fee every time I would make a payment. Now twice a month, I am expected to repay {$280.00} plus a principle charge of {$25.00} or more a month to repay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: ERC
State: CA
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:
When I was in high school and living at home I had a XXXX account with my brother. I eventually moved out of the house, and called XXXX to be removed from the account. At the time, I thought I was covered for good. Just a couple of months ago, XXXX shows up on my credit report as a collections entry. I called XXXX to ask them what the problem was, as I should n't have been on any accounts for the last nine or so years. The first time I talked to them, the representative basically said they were able to fix the mistake, and that the entry would be taken off my credit report in about a month. After it had not been removed after around 40 days had passed, I called XXXX again. This time the representative said there was no notes about a previous call, and that I still owed the balance due. I reiterated that the balance should not be attached to my name at all. He lowered the amount due, but would not remove the report from my name. I should not owe any money to XXXX, but they are XXXX up my credit report with an old bill that should never have been mine to begin with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On or about XXXX XXXX, I purchased a XXXX tour from my travel agent, who has offices in XXXX and the United States. I live in the US. My travel agent charged my Citizens Bank debit card approx. {$5200.00}, for both my daughter 's and my own trip ( approx. {$2500.00} per person ). The trip was paid for in US dollars. I then received a charge from Citizens Bank for {$100.00} dollars. No one at the Bank wanted to tell me what it was for. At first they said it was a foreign currency exchange fee. I said no foreign currency was involved. I was put back on hold. Then they said it was a foreign ATM fee. I said no foreign ATM was involved. I was put back on hold again. Finally, they said it was because my travel agent was in XXXX and not the US when I paid for my trip, which is absolute nonsense. I received no value for my money, and Citizens Bank did absolutely nothing to earn it. It is simply a fee to charge a fee and gouge the consumer, and that is not right. When choosing a new bank, I suggest choosing a more ethical bank who truly cares about their customers and puts their interests first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12
Company: ERC
State: NV
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:
Payment was made to the original creditor in an agreement letter for a lesser amount than owed. Creditor agreed to terms and cashed check ( electronic debit ) from my checking account. Letter stating this, and all supporting documents were sent to all XXXX credit bureaus for removal. Collection agency who purchased account from a third party refuses to remove information from my credit reports XXXX and XXXX credit bureaus have stated this erroneous information has been verified by this third party collector. Collection agency states they purchased this account from another collection agency. My understanding is they are in violation of FDCPA Sec. XXXX ( a ) and they have used false representation and deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The original creditor agreed to remove the item in exchange for payment and any adverse information, and then failed to follow through with removal ; they are in violation of FDCPA by using deception. Collection agency also stated they are contracted by the original creditor which is false, once again deception ; this collection agency has no contract with me, and has never sent me any prior information of this debt. I ask that this derogatory information be removed from all " XXXX '' of my credit reports. Thanks for your attention to this issue.

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 2016-05-25
Company: Stellar Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday for about the last 6 months I have received a phone call from the same phone number, XXXX. It appears to be from a collection agency, the number located in XXXX, CA. They never leave a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began a refinance with Citizens Bank. I paid a {$600.00} good faith deposit. Citizens sent out an appraiser who gave an extremely low appraisal ( {$160000.00} ) on my home. As a side note, I restarted the refinance process with XXXX and got the house appraised at {$200000.00}. The low Citizens appraisal meant that I could not go forward with them as the loan products they offered based on that low appraisal were not satisfactory to me based on what we originally agreed to. I asked them to then refund my deposit and they refused. I took this up with Citizens and ultimately, they claimed the new XXXX appraisal that I sent to them was wrong - although it was more in line with actual values in my town. Long story short, at every level they refused to refund my deposit. I understand the need for a deposit to make sure that I have " skin in the game '' - however, in this case, their appraisal was the outlier and the reason that the agreed upon loan could not be completed. They insist that I signed documents that allow them to keep my deposit, but this is all on them. I would like Citizens to refund my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got my Auto loan about 3yrs ago, my finances have not been the best, I have fallen behind, my XXXX payment due on the XXXX I tried to have it paid before XXXX payment it did n't happen. I spoke with my son 's father who is out of state and he offered to both months and late fees to help me, prior I had made arrangements to have a payment taken out XXXX XXXX for my XXXX payment and again on XXXX XXXX for XXXX payment. I contacted wells Fargo before the XXXX to have both post dated payments stopped that my son 's father offered to pay them, spoke to a XXXX with WF Auto loan all was to be handled the payment for the XXXX was stopped but the XXXX XXXX was not it was kicked back non funds and a XXXX OD few was applied, then on the XXXX of XXXX again thwy put it through bringing my account to a negative XXXX. I went to WF bank and spoke to a banker, who also called WF Auto loan to see what he could do and was told they could n't do anything about it, they refused to reverse the payment or reimburse any fees, also stated there policy is to run the payment through 3times at that point it had been twice, already, they were told the funds were not there and they still said nothing we can do, l was current tell XXXX XXXX. Now what money I did put in my account XXXX they hate it up and left me XXXX in the negative as of XXXX XXXX and another debit to still take place by WF Auto loan dept, I am being held accountable to pay, I paid my payments caught up tell XXXX XXXX why are they being aloud to debit my account 3 times after it was cancelled a month prior, and my car payments are current. I been a Customer sense 2008 guess that holds no meaning I have endless accounts that they have switched me from it 's a mess I will NVR DEAL WITH THEM AGAIN AFTER THIS!!

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 2016-09-13
Company: PNC Bank N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.

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

Complaint:
Wells Fargo if you make a partial payment applies it to principle, not the balance due for that month. I 'm not talking about an underpayment that is n't fully made by the due date. 

Also on their website you ca n't pay the balance after partial payment due that month, you have to pay the entire month. This is crazy if I owe {$2000.00} on my mortgage by XXXX XXXX, and I want to pay {$1000.00} on XXXX XXXX and {$1000.00} on XXXX XXXX I should be able to do it and that fufill 's my monthly amount due.

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 2015-05-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom it may concern, I am a XXXX Veteran trying to sell my home for the last two years in South Carolina. I am divorced as of XXXX XXXX 2015 and the property that is to be sold is part of the settlement. We have a qualified buyer who wants the house, we where to close on the home on XXXX XXXX 2015. I have moved out of the house as of XXXX XXXX 2015, the house has to be sold do to my medical condition. I have XXXX. We have medical bills to pay and other divorce cost. The title for the house is not where it is surpose to be according to the closing attorney here in South Carolina and states to us seller and buyer that we can not sell the house because of this title mayhem. Wells Fargo is not helping in this matter at all. They just keep pasting the buck ... I have stopped payment on the house as of XXXX XXXX 2015 do to the fact I can not afford rent, mortgage, medical, and divorce cost. I have to be able to take care of me and my XXXX children. No one with Wells Fargo will try to help to do the right thing and solve this issue. We need help in the worst way before my credit is messed up. Please Help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Forgive the tardiness of this complaint, but I just learned this week through reading the XXXX XXXX XXXX that the CFPB works with banks to resolve customer complaints. Until now, I did not know what recourse I might have for the fraudulent behavior of Wells Fargo Bank. 
In XX/XX/XXXX or XX/XX/XXXX, my partner and I refinanced our mortgage on a property we own in XXXX XXXX with Wells Fargo. We made a point to confirm that there were no prepayment penalties associated with this new mortgage. At the time, the Wells Fargo representative aggressively pushed a home equity line on us, even though we did not need it, want it, or ever intend to use it. Since he said it would cost us nothing, and he was so insistent, we reluctantly accepted it. 
In XXXX XXXX, we refinanced our mortgage again, but with a different lender. When it came time to close on the new loan, Wells Fargo refused to terminate our existing mortgage unless we paid a {$500.00} termination fee for " early termination of our home equity line '' - which we never used, and as stated above, never wanted. Both my partner and I communicated our complaints to the appropriate people at Wells Fargo - to no avail. Since we did not want to jeopardize our new mortgage application with the new lender, we paid the {$500.00} to Wells Fargo. 
We believe that XXXX XXXX, " Home Mortgage Consultant '' at Wells Fargo at the time, fraudulently induced us into accepting the untapped home equity line. We would appreciate any help that CFPB can give us to persuade Wells Fargo to refund the {$500.00} termination fee to us. 
I have attached a copy of the Wells Fargo payoff demand dated XXXX XXXX, XXXX and our email correspondence on XX/XX/XXXX and XX/XX/XXXX with various employees of Wells Fargo ( including XXXX XXXX ) regarding this issue. Please note that my name and that of my partner are listed as " customer '' on the payoff demand statement and that both of us corresponded with Wells Fargo in the attached email thread. 
Thank you for your consideration.

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 2016-09-17
Company: WELLS FARGO & COMPANY
State: NM
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
As a small business I went to my bank ; Wells Fargo to obtain a credit card machine and a account to perform credit transactions, the person in charge of the process to obtain this service went over the paperwork I was signing never mentioning that there was a required monthly usage of {$3000.00}. or that what I was signing was irrevocable. At the first month of my service I used the machine twice totaling {$450.00}. and then got a {$500.00}. fine from Wells Fargo, with them explaining this unspoken requirement. I at that point in my business had n't made {$3000.00}. total in one month yet so I asked why it was never mentioned, so after a exhausting process of sending their machine back and canceling all my agreements pertaining to this service I was informed that Wells Fargo was going to take {$38.00} a month out of my accounts for the next 4 years as the rent agreement on the machine was " irrevocable '' whereupon I responded that I was never made aware of this clause when the person at the back did the paperwork with me and could I talk to him. The bank told me he was fired due to fraudulent practices. I then said that I was never made aware of this issue and that it was " My tough luck '' because I signed the paperwork they had every right to take the {$1800.00}. out my accounts over the next four years. I took this issue to the State of New Mexico Attorney 's office and they said " we never told you this '' even though the fired employee probably was the reason for the issue " I signed the papers therefore I am 100 % libel for whatever they said and that I needed to " XXXX '' and pay it. ''

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 2023-01-31
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation