BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I borrowed {$8000.00} from my former Bank Wells-Fargo to complete XXXX school in XXXX XXXX. I started making payments on the loan six months after graduation ( which was XXXX XXXX ) and even though I have been paying approximately {$93.00} per month since then, the bank applies most of my payments to interests leaving me still owing more than {$8000.00} as at today XXXX, XXXX. At this rate I feel the bank wants to keep me perpetually indebted to them. With a 9.4 % ( manipulated fixed term rate on the loan ), I feel I have been taken advantage of and I want to take the matter to court. I am not trying to get out of paying the loan, I just need to be treated fairly. Please direct me to a legal service in XXXX, Ga that can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX first I used cash app for a transaction it turned out to be the wrong person however this person never accepted the payment I went to cash app and explained on XX/XX/XXXXXXXX XXXX I talked to XXXX  was told they'd look into it on XX/XX/XXXX I talked to XXXX told they were working on it XX/XX/XXXX talked to XXXX same thing XX/XX/XXXX XXXX same thing told me I should be aware who I send to XX/XX/XXXX talked to XXXX was going to reach out to their specialty team and escalate my case XX/XX/XXXX was told it could take up to 45 days ok XX/XX/XXXX talked to XXXX and XXXX again going to escalate the case after asking for everything all over again from XX/XX/XXXX to the XXXX talked to no one except the robot on the XXXX the talked to XXXX again asked for all information again same on XX/XX/XXXX when I talked to XXXX since then I have been blocked from support Now I have used cash app in the past and every time I have received an email stating the transaction was accepted I did not receive any that day of XXXX first therefore meaning the money was never accepted I tried explaining this and cash app just ignored it And cash app itself can not come up with where it was accepted therefore my money is out there somewhere Cash app refuses to refund me when I believe it would be their responsibility So who has my {$200.00} not the person who it was sent to Not me Cash app has to have it somewhere and I would like it returned I have also reported this to the better business bureau As I told them I will settle for nothing less than my money returned The case number for cash app is XXXX I would greatly appreciate any help you can give me my money is hard to come by when I receive XXXX And NOTHING LESS than my money returned Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I filed a complaint regarding wells fargos mishandling of my HSA account and their response to it was a judgment from 2015 for the same issue that was already resolved. I have now missed 3 days worth of work to try to get this resolved and due to Wells Fargos lack of attention to detail, nothing has been resolved. Their response is a horrible example of how they treat their customers and handle their accounts. I have included my pay stub reflecting 2 days of missed work that I am now in further financial hardship because of this and also the ridiculous response from 2015 's judgment that has already been resolved. I have to now go to court on the XXXX of XXXX to resolve this issue that should not have even happened had wells fargo paid attention and handled my account with the fiduciary responsibility they are supposed to

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 2016-08-14
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a scavenger who bought a bad debt. Original creditor XXXX sold loan to XXXX. Both accounts were closed in XXXX. Michigan statue of limitations for this type of loan reporting is six years. 
The original and secondary loan holders have been removed from reporting agencies. 
Millienium obtained this information in XXXX. This is not a valid debt, and needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed you that the Account Service/XXXX Account that is reporting on my credit file is not my account. There are duplicate reportings of this same account and both of these reportings do not belong to me. Please removed these accounts from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received the Florida Hardest Hit assistance in XXXX XXXX and FHH paid my mortgage comany XXXX partial arrears of XXXX and my monthly mortgage for one year until XXXX XXXX. During this peroid I have been unable to work out a plan to resolve the outstanding arrears of {$8800.00}. I am now able to pay the monthly payment and resolve the arrears within one year. Bayview/XXXX failed to dismiss my foreclosure proceedings and have not moved to reschedule the hearing for XXXX XXXX. This foreclosure proceedings should have been dismissed upon receipt of funds from FHH. In sum, Bayview/XXXX have received approximately XXXX during the last year and are still moving forward with foreclosure proceedings. These actions are not consistent with the FHH program and fail to demonstrate good faith or the intent of the FHH program. In addition, I provided quarterly reports to my FHH agent detailing my inability to resolve outstanding issues with the mortgage company. Documents detailing my efforts can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am XXXX years old. I have been using banks all my life. I had trouble paying my bills sinceA divorce and XXXX. 
I could not get credit until recently. All my debts have been paid through payroll deductions. 
I have bought a home and I do have some credit. 
It seems that both Equifax and XXXX do not have this on record. 
They say that I have a credit history of 6mo. And 3yrs. 
I have been paying both NEw York Dept ofSocial services for 20 years and have payed them much more then theReq {$210.00} per moI also paid IRS the full amount after they realized I was on XXXX. 
I have paid all debts and I think I should not have a 1-2 year history and a remarkThat I do n't pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My balance on my car loan with XXXX XXXX is incorrect. He supposed to be {$6600.00} and the amount reported is higher. I want Experian to reported the correct amount due on my car loan so my ratio is not so high.

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 2016-02-29
Company: Stephens and Michaels Associates, Inc.
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 is not mine

Complaint:
XXXX XXXX XXXX out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. XXXX is a debt buyer and transferred me Stephens and Michaels and Associates. I informed Stephens and Michaels that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. Stephens then referred me back to XXXX. I called XXXX and they refused to speak to me about my credit report. they said I need to speak to Stephens and Michaels. I explained that Stephens and Michaels could help me. I told the woman at XXXX that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help u '' and quickly transferred me back to Stephens and Michaels. This is not my account and I want it removed from my credit. XXXX has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I started contacting Hyundai Motor Finance on XXXX XXXX, requesting payments applied to my principal balance. Each time I was informed it would take XXXX days to be processed. I called XXXX times in the past month requesting to have the XXXX payments adjusted as instructed by the HMF representatives. As of today XXXX XXXX, only XXXX payment has been applied to the principal & I keep getting promised that they will be escalated & corrected. I have refinanced my vehicle and have been charged excess interest due to the previous payments not being applied to the principal balance, in combination with HMF not being accessible for close to a week due to incliment weather & having to wait to receive the payoff information. I feel HMF has dragged out the completion of correcting my payments in hopes to continue charging more for interest. I would not refer HMF to anyone looking for good and trust-worthy customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is being illegally foreclosed on. The banks used fraudulent activity such as robo-signatures in order to foreclose. I have tried several times to re-modify but the bank denies my request. The information is always incorrect to make it look like for one reason or another I can not qualify. When in actuality I should qualify for more than one of the federally funded programs. I have a second job/new full time job with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received a notice of foreclosure from XXXX in XXXX. We attempted to modify the mortgage and have correspondence noting that due to health issues and the disrepair of the property we could not maintain the current mortgage. We hired an attorney to complete Deed in Lieu which required that we put the property up for sale. Followed all directions. No offer. Contacted XXXX to complete deed in lieu, informed that representative could not speak to us. Notified XXXX we could not keep property at current payment. Moved in XXXX XXXX. House in foreclosure. Received notice that Bayview was now mortgage company ( servicer? ) They began sending mortgage statements and asking if we wanted to remain in home. We again made it clear we can not afford current rate and asked about the deed in lieu in which we paid an attorney to handle sale of property. Bayview said all we needed to do was sign a document verifying deed in lieu. Received instead request for new information. Bayview 's correspondence and telephone messgages indicate that they are a debt collector ; however, they have incurred two additional years of debt on a property we have repeatedly told them we can not afford. XXXX sold a mortgage for a foreclosed property with the intent of accumulating additional debt on a property that had already been foreclosed upon. I have XXXX XXXX. My husband has XXXX XXXX. We are unable to afford the cost of emptying out the property. Yet we continue to receive mortgage statements for a property we did everything to avoid foreclosure upon, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just want a formal apology from ARstrat for their innappropriate harrassment for 4 months. Once I paid them to get them off my back and told them I was going to file a complaint - I finally got my money back from them for money I never owed. They have been very rude and harrassing innocent people putting me through 4 months of " XXXX '' - I feel I should be compensated for their wrongful doing, no follow-through. No one should have to go through this torture for a {$10.00} copay that was paid on day of actual visit - despite the medical billing office saying they have spoken to ARstrat to clear this up - ARstrat denies all such communication with billing/doctor 's office. Still waiting for formal apology from ARstrat!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Lendmark Financial Services
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I purchased furniture from XXXX in the summer of 2014, I was financed through Lend mark financial. When we purchased the furniture the sales rep advised their was a special promotion were no payments needed to be made until 6 months. I was approved.. Not realizing that this was incorrect information, as statements were being mailed to a wrong address that they had on file. I received a statement from a neighbor which stated I was XXXX months behind. I immediately called the number and explained to the representative, that I was not aware of any past due balance. as the representative at XXXX gave wrong information. The sales rep did not have my correct sale phone number or address correct in the computer, as I did not receive any phone calls or statements. By this time the account was in collections, I explained to the rep that I was currently on bed rest and was only receiving 50 % of my income. She stated I needed to bring account current or account would be charged off. I again tried to explain the situation, to no avail they were not able to help until account was current. I than received a letter stating that there would be court date. I advised that I could not attend due to bed rest. They stated they would send me out paper work to sign and return. I advised when I received the paperwork that I did not agree. I received a judgment on my credit and now they are garnishing my wages 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Stellar Recovery, Inc.
State: IL
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:
In XX/XX/XXXX Stellar Recovery reported a outstanding balance of {$58.00} to my XXXX credit report. No only did this collections agency report this without sending a notice to me, the amount is wrong also. My amount due in full with the original creditor was {$57.00} and was paid in full on XX/XX/XXXX. I emailed XXXX XXXX Executive Customer Relations XXXX | XXXX. Office : XXXX, ext. XXXX in XX/XX/XXXX regarding this outstanding bill however, this person did not respond to me. I was unaware that my bill was reported to a collections agency and since Stellar Recovery reported this to my XXXX credit report, my credit score dropped XXXX points. I never received any notice or phone call from this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXXXXXXlimit card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
1. I leased a car from XXXX XXXX in XXXX XXXX on XXXX/XXXX/2016. 
2. The vehicle had XXXX miles. The vehicle has a previous lien on it from XXXX, which prevented Title to be sent to XXXX DMV. I had n't driven the car outside of XXXX or XXXX.. I have incorrect plates on the car. 
3. When I Leased the car on XXXX/XXXX/2016, I requested XXXX registration. But changed my mind 4 days later. I went through the procedure and got Power Of Attorney from Hyundai Finance to sign when the title came in. 
4, The Title from XXXX never came to the XXXX DMV. The DMV told me it was on hold because theer was a lien in the Vin #. 
5. I called the Lien Holder and they said the Lien was on Hyundai Finance. 
6. Hyundai Finance does not acknowledge the lien. I had n't driven outside of XXXX or XXXX. I had n't taken it to XXXX. XXXX XXXX in XXXX, said they had no record of me, XXXX XXXX. The lien was n't mine. It was Hyundai FinanceXXXX 
7. neither the Dealer, XXXX XXXX , or Hyundai Finance has acknowledged the lien as theirs. 
8. They have done npthing to resolve this. I LeASED A CAR WITHOUT A CLEAR TITLE. 
9. Furthermore, if the car had been towed and been in an accident ... it was not disclosed to me. 
10. I am driving with XXXX plates and XXXX insurance ... unable to get XXXX plates. 
11. I am about to go to XXXX for 4 months. If I have to come back to change plates and registration, it will be an expensive airline and rental car expense. I think the Hyunddai Finance Co or XXXX XXXX should pay this expense, because it is their fault ... not mine. 
Please help me get a clear title, have my lien expunged, and enable me to get XXXX plates, and compensation for the additional travel expense. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Stellar Recovery, Inc.
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:
After pulling my credit report I found that I had a collection account from Stellar Recovery Inc . I reached out to them at XXXX and spoke with XXXX representatives. The first agent I spoke with in regards to this matter was unable to locate an account. After getting annoyed by the situation I was then transferred to XXXX who was able to locate the information. When trying to find out why I was n't given the proper notification so I am able to handle the matter at hand I was informed that not only did they not have the correct address on file which the vender Century Link does have to proper address on file. I asked if they verified any information and was informed they did not. I then proceeded to figure out why they went against FTC collections policy and what it was going to take to get this handled and removed. They told me they would not do anything and if I pay it they will just mark it as paid on my report. I also found that they shared my information with XXXX parties which I did not agree to. 

By law all this information was supposed to be verified by the vender including the mailing address. This company failed to follow those compliances the demanded that I pay it so they can mark it as paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Blueshore Recovery
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Blueshore Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX was notified on XXXX XXXX XXXX to cease and desist contacting family and third parties regarding this debt They have all current contact information on myself. Phone, address etc. XXXX XXXX XXXX XXXX they contacted my husbands ex wife, asking for my step son in regards to this debt ... .. I spoke with supervisor XXXX XXXX on the XXXX after they had harassed my sister at work! 

XXXX issue. This debt was paid off in XXXX of XXXX to the cash store XXXX. I do not owe this debt!

Company response to consumer: Closed with explanation