BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-13
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have several issues with this company. When I first applied for the loan, I was told by several people at the office, including the branch manager, XXXX XXXX, that this was a simple interest loan and that I could make extra payments directly to the principal of the loan if I sent it to the office directly with the phrase " Principal Payment '' on the check. Furthermore, when I paid extra on the website and the payment was divided by the normal schedule instead of a principal payment, I was again told by the staff at the XXXX XXXX, CA branch that I should have sent it to them as a principal payment. 

Well, I recently decided to start paying this loan quicker and sent them a payment directly as I had been told multiple times. XXXX XXXX actually called me to tell me that they could n't do that and that I would be paying the loan as agreed in the schedule. When I asked XXXX XXXX about what he has promised me, he refused to respond other than to ask me what to do with the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am automatic withdrawal for my monthly payment. There is plenty of money in the account to cover the payment. I see a {$52.00} late charge on my account. This can only be due to Wells Fargo mistake. I want the late charge removed. I have been on hold for 45 minutes waiting to talk to their agent. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may Concern, This is a reply to the alleged response Midland Mortgage claim they sent me. I never received a reply to my original complaint that was mailed to their office on two occasions and I have received confirmation letters stating they received both of my letters. 
My claim that my escrow analysis covered a period less than 12 months is true and I have attached a copy of the document. The reply from Midland to CFPB is contradictory. First, they say at the time of my analysis I was due for a XXXX payment and that all payment made since my previous analysis were utilized in my current analysis. That being said I have a credit for XXXX and XXXX Escrow payments and I dont. If you look at the Escrow Statement reviewed XXXX my Escrow History covers XX/XX/XXXX thru XX/XX/XXXX whereas my Statement reviewed XXXX my History covers XX/XX/XXXX thru XX/XX/XXXX which is not 12 months as I stated in my original complaint. My complaint stands that my payment was based on an inaccurate Escrow Analysis. I dont understand how my account being due for a XX/XX/XXXX payment at the time of an XX/XX/XXXX analysis would cause a larger escrow shortage. What that statement says to me is that at time me of my analysis Midland had received my XXXX, XXXX and XX/XX/XXXX payments and my XX/XX/XXXX analysis should have a Escrow credit for XXXX, XXXX and XXXX. I dont have a credit for XXXX or XXXX. Also, once my mortgage payments were brought current my past due escrow payment should have been reflected in my Escrow History and they are not including in my History. What happened to my Escrow payments for XX/XX/XXXX, XXXX thru XX/XX/XXXX? What you will see on my History is there was a double payment in XX/XX/XXXX to cover XXXX and XX/XX/XXXX. Nothing recorded for XX/XX/XXXX or XXXX thru XX/XX/XXXX. However, in XX/XX/XXXX I received credit for {$1000.00} which include two payments at {$330.00} and one payment at {$430.00}. I was only short one payment of {$330.00} and several at {$430.00}. 
It is my understanding that I am required to have a 12-month Escrow Analysis and Midland has not provide me with a proper Analysis. I believe my payment have been misapplied to my account, I just dont know how far back this misappropriation goes.

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 2017-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home and it was turned over to Wells Fargo as the servicer.XX/XX/2006. I made my payments on time and know that I have a lot of equity in my home. My income has changed and I have been trying to get a modification from Wells Fargo and they refuse to give me one for all kinds of bogus reasons. Now Wells Fargo is trying to foreclose on my home. It is a XXXX account. I really need help with this matter.

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 2016-11-11
Company: WELLS FARGO & COMPANY
State: MT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I requested a forbearance from Wells Fargo, but was instead sent to collections even though my request was sent in a timely manner. I even spoke to a representative about the situation and was assured I would be put in forbearance well before I reached the 90 day threshold for being sent to collections.

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 2021-04-18
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX, I went to a US Bank ATM in XXXX Nebraska. I withdrew {$1000.00}, but there was an error and I didn't receive my money. I called and made a dispute on that day. As of today XX/XX/XXXX, I still have not received {$1000.00}. I called them today and they still do not have an answer to where my money is. I get this money on a prepaid debit card through unemployment. This is my only income because I lost my job during the pandemic, and now I can't pay my bills and will start acquiring late fees. If I had a choice I would never bank with US Bank.

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 2015-07-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In early XXXX 2015, I applied for a home loan at the Wells Fargo XXXX XXXX with XXXX XXXX. To this date I have not received any letter, phone call or email as to the status of my application. I understand if I did not qualify for amount requested ; however, I do expect a notification as to why or what amount if any I qualified for. It has been over 5 months and I believe my application was bluntly discriminated against ; I am protected under the Fair Lending Act. I was told to get a second signer because with my income I did not qualify, when I got my father to agree to be a co-signer my application was still denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account was closed and paid in full. 

I submitted a dispute with the credit bureaus to update the balance along with the receipt and the bank refuses to update the information on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
TCS contacted my place of work and continued to call them after they said I was n't there several time. They said he was rude and mean when they would n't give them my number or when I was working again. He continued to call several times XXXX to the point the told my boss and she called me at home. TCS has my number this was just harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Harvard Collections, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  we are temporarily unable to complete this request. please try again later. 
Unable to file a fraudulent dispute on my account. I tried several browsers and devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal limited my access in my account that I can't transact with my paypal account or limited it for ever. So I can't withdraw my money in it and paypal said that they will hold it for about 180 days or a 6 months long. I just want to get my money or close my account so that I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I originally applied for a loan on XX/XX/XXXX. A complaint has been submitted regarding the mortgage banker who said our rate was locked but then wanted to charge us points to get the promised locked rate. Now I am submitting a new complaint because of the time this has taken. It is now XX/XX/XXXX and received this message from the mortgage banker ( XXXX XXXX ) yesterday : " The system is waiting on an approval that we received on XX/XX/XXXX. We are working towards correcting this issue and XXXX, as well as other managers are involved in resolving this. I am extremely sorry for the process thus far and I promise you that I am working on correcting this issue so we can complete your loan as quickly as possible. '' I left a voice message with XXXX XXXX yesterday regarding this " system error response '' and never received a call back. I am so fed up with Wells Fargo and that is why I am submitting another complaint. I have submitted everything requested by them and can not understand if the loan was approved on XX/XX/XXXX why it is now XX/XX/XXXX, almost a month later, and still has not been finalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a current mortgage account with OCWEN that they took over from GMAC when they went BK. 

they were reporting my payments to the XXXX credit agencies and then stopped. I filed a BK XXXX myself and it was discharged in 2012, they say even though I still pay my account on time, they do not have to report my payments to the credit agencies until 10 years. this is absurd, as all my other creditors still report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect a debt that is not owed.

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 2021-04-18
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have sent numerous of letters to XXXX stating i do not owe XXXX $ and to have it removed from my credit as a debt collection. this collection is hindering my credit and i demand it to be removed. i only had XXXX for less than 2 weeks, and i paid the phone bill in FULL and i also returned the cellphone i had with XXXX. the XXXX $ they are trying to collect if false and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working trying to keep my home for the last 6 to 8 yrs. It all started when my husband became ill, I had XXXX children in college. I went into bankruptcy and came out and asked for a modification, they took about {$10000.00} and the bank Wells Fargo decided I did not fit into their program because I made about {$85000.00} a year which was too much money. I had lawyers I have made payments every month and they took my money even through I was told after I made a company do research they stated my deeds, XXXX Mortgage had not turned over the paper work correctly to Wells Fargo and they have no deeds to the property. The lawyers did nothing and in fact one of the lawyers went to jail for Fraud Wells Fargo had hired to do their mortgages for XXXX XXXX. I been to court several times, the judge throws the case out asking the mortgage company to negotiate and they never do. Here I am again 2015 with the same issue with Wells Fargo stating I need to sell the home because I make too much money to fit in their program. I need help, I do not believe Obama put these rules into place for the middle class to suffer. All I want is they need to put the arrears in the back, bring the house value down to what it is worth and restart my payment.. The only reason it has been in arrears the last few years they refused to accept my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Stein, Wiener & Roth, LLP
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX make the following dispute against a law firm that avoided legal precedent pertaining to a lawsuit I filed in federal court XXXX 2015. Even though this firm was successful obtaining an order of foreclosure on my home, the guidelines have been established for decades of federal over state law intervention. I hereby attach copies of various letters to this law firm, as well as my claim that the XXXX defaulted in the legal process answering the initial legal claim. Even though my federal claim takes precedent, this law firm continued its foreclosure action avoiding my rights under several statutes including my rights under the Fair Debt Collection Practices Act. I request a full investigation on this illegal action against my home located in XXXX, New York. I request the Consumer Financial Protection Bureau to use my case as part of its ongoing process to protect consumers against abusive collection and/or foreclosure processes. My federal claim is still in process in the Northern District of New York, XXXX As Trustee, et al. Even though I still hold possession of my property, this very same law firm has extended its fraudulent practices by submitting an order of eviction with the county sheriff 's department to force egress into my home, evict current tenants and cause other financial hardships that are not legal. My complaint to the Federal Deposit Insurance Corporation and XXXX are hereby attached for review. 
Even XXXX eventually submitted a law firm on record to defend their position giving the case validity. XXXX defaulted on answering the complaint by three months from the legal guidelines. It is the taxpayers of the United States that are eventually paying these extraordinary legal fees to defend fraud being procured against private citizens. The federal case I filed in XXXX of 2015 is still a valid claim, and all aspects of this claim and declaratory judgment must be addressed before any future foreclosure actions can persist. For that matter, the initial foreclosure actions violated my rights under the Fair Debt Collection Practices Act, and an additional lawsuit will be filed against the firm in this matter, Stein, Weiner & Roth, LLP. This abusive process, whereas law firms turn a blind eye on the rule of law can not exist in a society built on rules of law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/2016, I returned my leased Lincoln XXXX to the dealership at the end of my lease term. At that time, I provided the dealership my forwarding address as I had moved since signing the lease. I was told that my address would be communicated to the financing arm of Lincoln Automotive XXXX a subsidiary of Ford Motor Credit. ) I was not advised of any additional fees or costs owed by me at that time. 
Months passed and I received absolutely no correspondence from Lincoln/Ford. 
Much later, I became aware of a negative mark on my credit report due to a charged off account from Lincoln Automotive Financial. They had charged me, without notice, for excessive wear and tear and fees on my lease but had not sent any notice to the address I had provided. 
I would, of course, have paid these fees in a timely manner as I had always made my lease payments, if I had been notified and the added charges and fee breakdown been provided to me. 
I can only suspect that any written notification of fees was sent to a wrong address. 
I ultimately paid the outstanding fees but the very damaging mark remains on my credit report. 
This was a direct result of poor information management and communication on the part of Lincoln and I have repeatedly attempted to directly address this with the company. 
I request that the account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief