BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: Forster & Garbus LLP
State: NJ
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:
In XXXX 2014, I filed a complaint against XXXX when the account was referred to XXXX XXXX on XXXX XXXX, 2014. The account number is # XXXX. In their response XXXX XXXX said, " We have notified our client of your concerns and have ceased all collection efforts. " In the last paragraph they stated : '' XXXX has currently discontinued all collection efforts of this account and we have notified our client of your concerns and your desired resolution regarding this account. '' Shortly, after that I received an undated letter in which a copy of two pages from my private student loan application was enclosed. I 've provided this information as attachments below. I 've never received another thing from XXXX XXXX or XXXX XXXX until recently. 

I 'm not sure when the account was referred to Forster & Garbus LLP but as of last week, I have been aware that there is a summons against my mother and me in regards to the XXXX Student Loan. I am named in the suit along with my mother but the digital summons was mailed to my mother 's address. I was never sent anything to my home address in New Jersey yet, I am pretty sure XXXX has my home address on file especially based on the information I provided in my last complaint. 

Of course, since I filed this complaint I 'm pretty sure Forster & Garbus LLP will try to twist everything around to make everything look as it is our fault. I guess because they are lawyers, they think they can coerce anyone and bend the laws in their favor because the average person does not really understand the laws. Believe, I 've been down this road several times so I know the deal! You are not going to tell me it 's okay, to send a summons at another address, out of my jurisdiction, so they can try and place a judgement against me! I do n't think so and I do want to be compensated for this!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I have had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXX XXXX  yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.

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 2015-12-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with Wells Fargo. Yesterday, the bank authorized my auto insurance agency to withdraw funds from my account and bring my account into overdraft. I do not have Wells Fargo overdraft protection, therefore the transaction should have been denied. Instead, despite me opting out of overdraft protection, Wells Fargo authorized the transaction and covered my overdraft resulting in a {$35.00} service fee that once again brought my account into overdraft. In order to remedy the overdraft, I had my boyfriend transfer funds into my account covering the overdraft balance so I would not be charged any additional fees. We did the transfer the same day at around XXXX PST on a business day so there is no reason for the bank to charge my fee. Today, I woke up with a {$35.00} service fee for entering overdraft. The bank completely ignored my opt out just to take advantage of me and make a quick buck off of my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I need assistance in obtaining a HAMP modification through my bank Wellsfargo. I am currently 30days behind in my mortgage. I reached out Wellsfargo and requested a loan modification back in XX/XX/XXXX. They stated I was denied for the loan modification due to my income. When I purchased my home back in XXXX I was working for a facility called XXXX in NJ. I was making XXXX per hr. The facility I work for was bought out by XXXX due to the buy out they laid off all the XXXX employees. I was laid off for 1 yr. I was not able to find work so I went back to XXXX XXXX and they rehired me at XXXX per hr. Recently I received a raise to XXXX per hr. I did receive assistance thorugh a state program XXXX. They paid my mortgage for 2 yrs. As of XXXX I took over the payments of my mortgage and been struggling to pay the current monthly payment of XXXX. I reached out to Wellsfargo for a loan modification and sent in all my information and received a denial. I understand that there is a program out there call HAMP that I would like to be considered for and I do not believe that Wellsfargo ever placed me into. I need your assistance in getting Wellsfargo to assist me in obtaining a loan modification under the HAMP assistance program. I am only 30 days benind in my mortgage payments and Wellsfargo has thrented me with forclosure proceedings if I do not become current in my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Title 31u.s.c.sec,3123 all debts are UINITED STATES obligations.. H.J.R.192 THERE IS NO RESON I SHOULD BE LATE OR HAVE MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON..IVE NEVER WROTE TO ANY CREDIT REPORTING COMPANY GIVING THEM MY PERMISSION TO REPORT ANY INFORMATION. I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT .. AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP..

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 2016-07-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was left a voice message on XXXX/XXXX/2016 stating that I had a court summons against me and that I was in danger of missing my court date. The message did not identify the person calling but said she was calling from XXXX and that the issuer was XXXX XXXX XXXX. 
I called back and was greeted by a man with the word, " Litigation. '' -as if his department was the " litigation '' department. He identified himself by name and said he represented XXXX XXXX. He told me that several warrants and court summons had been sent to me by mail and that I was being sued, that there were allegations against me including " fraudulent abuse of contract. '' He read an old credit card account number to me and said that I owed over {$1600.00} on said account, that plus the pending court judgement could cost me " up to {$4000.00}. '' I had a record of my debt and the last amount I had recorded on this account was about {$500.00}, not the amount this person was reporting. I told the man that I had not received any court summons in the mail and he acted suprised and said he " would be delivering the summons to me in person tomorrow '' and that I would have to appear in court. I began to feel suspicious at this point. 
He asked me if I was willing to settle this debt today for {$900.00} and I said yes, but I still felt suspicious so I told him I would have to call him back.

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 2015-10-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our complaint is that Wells Fargo did XXXX appraisals of our home, but have only shown us the second appraisal. We believe that the first appraisal reflects the true market value of our home. And, the second appraisal was used to support their inflated counter offer. Wells Fargo claims they can not find the first appraisal, even though this first appraisal was done at approx. XXXX on XXXX XXXX, 2015, by an XXXX named XXXX, who was hired by Wells Fargo. We find it highly unusual that they are unable to locate the first appraisal done XXXX/XXXX/15, and are only able to locate & share with us the second ( inflated ) appraisal done XXXX/XXXX/15. 
Here is the timeline : In XXXX of 2015, we made a request to Wells Fargo ( WF ) to do a short sale. 
XXXX XXXX, 2015-WF requested to schedule an appraisal of our house ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - XXXX did an onsite appraisal for WF at our house. Our agent XXXX was there with him ( see screen shots of cell phone text messages ) XXXX XXXX, 2015 - We submitted a $ XXXX cash offer to WFAfter WF saw this $ XXXX cash offer, they ordered a second appraisal of our home. 
XXXX XXXX, 2015 - WF did a second appraisal of our homeThis second appraisal produced a home value of $ XXXX believe this value to be significantly higher than the true value of our home. 
XXXX XXXX, 2015 - WF denied the approval of the $ XXXX cash offer & countered at $ XXXX this counter offer was made, the buyers pulled out of the transaction. 
We have requested to see all appraisals done by WFWF gave us a copy of the second appraisal only, of $ XXXX ( which was done after they saw the $ XXXX cash offer ). 
WF can not locate the first appraisal. 
We believe that WF is using the second appraisal to support both their denial of the $ XXXX cash offer & their counter offer of $ XXXX believe the first appraisal would be significantly lower than $ XXXX, and more accurate for the true value of our home. And, therefore, we would have multiple offers to submit as adequate back-up offers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The loan company keep increasing my loan limits without informing me. I found out that my monthy increases when they increase the limit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Mortgage has stolen my XXXX XXXX Certificate of Eligibility as it pertains to me and home Mortgage Guarantee. I am XXXX XXXX XXXX, XXXX XXXX XXXX Retired. I had a home that I allowed for assumption ( XXXX XXXX XXXX XXXX in 2011, and When I tranfered ownership, I did not realize at the time of the transfer of ownership, that I would loose my earned XXXX Home Guarantee. The mortgage officer that had me sign the many documents from Wells Fargo Mortgage for the Assumption of the Loan for the mortgage at XXXX XXXX XXXX XXXX SC XXXX to XXXX and XXXX XXXX, failed to make sure that I understood that this was forever as long as they had the loan. I have recently tried to dispute Wells Fargo claim to my Benefit to which I have bled and served this nation for ... But the XXXX system forced me to arbitrate with Wells Fargo before they would list a complaint. And as expected after a month of delay, Wells Fargo ruled in favor of themselves. Now I am unable to use my full benefit to secure myself and family for a better home that can accommodate my XXXX needs. Wells Fargo has ripped me off.. And Wells Fargo does n't seem to think they are culpable in the deception and confusion their whole process endeared. I am of the belief now, that Many Veterans have been slipshod by the word " assumption '', as applied by The XXXX and Wells Fargo. This relationship between the XXXX XXXX Mortgage Office and Wells Fargo is a trap for Veterans and has been used to strip benefits from deserving Veterans. It is not as if I did not fight, bleed, and shed my tears for our country and I lost brothers in battle, so I know the pain. But having to realize that the Big Company. Wells Fargo and the XXXX Home Mortgage Guarantee people resort to tactics that can only be described of as " usury '' makes me think I am just a mark to these scoundrels that are untouchable ... ..How many Assumptions I wonder, are listed in the XXXX Mortgage guarantee system. How many Veterans have suffered needlessly because of the greed of Wells Fargo

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 2016-03-03
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
i had received a loan from atlantic bay mortgage. in the very beginning i signed a disclosure being approved for a loan of XXXX and they also sent me a estimate a week later. all full well knowing how many houses i had and how much rent i collect on each one. so it was so posed to be only XXXX % down on an investment loan. as what the disclosures i signed showed. then came the closing and they changed it up on me with out giving me 3 days of notice and no new disclosures to sign as the new law states. i had to call to find out why i had to come up with so much more money in the very end. thats when he told me XXXX XXXX requires XXXX % down since i have so many # of houses.which changed the loan amount to XXXX. i said you never told me, then he said. " oh i never told you? thats my bad! '' i asked if they could change it back to XXXX % down being that they never told me until i had to call them up wondering what the change was. even knowing they threw me a curve ball with out any notice at all, he and his boss said there was nothing they can do about it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I purchased a used a VA loan for a purchase and closed escrow on XXXX XXXX, 2015. We have received countless letters stating we are eligible for a VA IRRRL loan. At first, I threw a few letters away, but after the fourth or fifth, I called a family member, who happens to be our lender. I know what happens to the original lender when someone refinances within six months of a purchase or a refinance. I now have XXXX letters that I 've kept, describing the VA IRRRL loan. One of the larger lenders has sent one twice, the dates on each notice only being seven days apart. 

I can not believe how shady these companies are, especially targeting XXXX XXXX service members and veterans. I feel bad for people who have been deceived and swindled by dishonest lenders, trying to make a quick buck, and therefore, costing the original lender thousands of dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681CXXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2016-02-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We have been trying to do a short sell on our home since 2014. We have actually had XXXX offers on the place, but Wells Fargo continues to deny the offers. They have transferred us to different preservation specialist and short sale primary points of contacts several times to no avail. We 've even had our relators call and they 've been given false information. They say one thing and do another. They do n't return phone calls or send out proper documents when stating they would mail things out. I 've asked to speak with a manager several times and the mangers have promised to do an investigation, and still nothing is done. Managers do n't even return phone calls. I am completely fed up with the type of customer service we have received and will never do business or recommend anyone I know to do business with Wells Frgo.

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 2016-11-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank, Wells Fargo, made an unauthorized withdrawal from my checking account, in the amount of {$1500.00}, on XXXX/XXXX/2016

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 2015-07-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Other

Complaint:
A complaint was filed with Wells Fargo regarding my daughter being associated with a credit card. Wells Fargo sent a letter to my daughter informing her of the deletion of the account and it being removed from her Credit File. I just recently discovered that during this process Wells Fargo changed the account number and then associated my name with my daughter 's Social Security Number. Also the letter referenced above and attached states remove the account ending in XXXX but my daughter and the credit bureau did not receive a letter to remove the newly created account number. The account that belongs to me was removed from my credit file and remained on my daughter 's credit file. This is causing a major problem because she was in the process of applying for a mortgage. So I am dealing with Wells Fargo associating my name with my daughter 's Social Security Number and I am getting pushed around from department to department, customer service reps in call centers that just read notes. Switching Social Security numbers is a serious issue that is now affecting us both. I am asking for Wells Fargo to first correct the social security number problem that was created by them ; get the account back in my social security number and have the credit bureau remove my daughter 's name from everything associated with this account which is what Wells Fargo said they would do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've received numerous calls from United Recovery systems, XXXX about a debt that I am aware of. I 've expressly asked them to not phone my work telephone number, as my work does not allow these types of calls due to the business we conduct, and to contact me on my personal phone numbers. 

They call twice a day, if not more even after I 've requested they remove my work telephone from the system.

Company response to consumer: Closed
Consumer complaint received 2022-10-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called Comenity bank to get assistance with MY bj 's Credit card. An associate during that call offered me a XXXX payment plan for my hardship and my high balance. at the end of the almost hour call after payments were scheduled the associate informed me, she made an error and that there was no such program available. I was perplexed and asked to speak with a supervisor at that time she hung up on me. I have tried to set up a payment plan for months- the three months plan they offer is extremely high and I am unable to do it. In response to being offered the XXXX program then being hung up on. I filled XXXX  complaint and in response I received a nasty letter from the company with many inconsistencies, such as stating my card isnt closed but I was told verbally, and my credit reports shows the card was closed by the bank.

Company response to consumer: Closed with non-monetary relief