BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX/XXXX/XXXX I leased a vehicle from XXXX XXXX XXXX. The lease was financed by GM Financial. I was told that the first payment would be made by the dealership. I also was told that I had XXXX miles per year on the lease. I purchased a demo that had XXXX miles on it. GM Financial said that the XXXX miles were part of my XXXX that was allotted on the contract. Also, I was told that the dealership would pay the first payment. I received a call on XXXX/XXXX/XXXX telling me that my payment was 16 days past due. When I spoke to GM Financial they said that the first payment was due when I picked up the vehicle. None of this was told to me during the signing. My sales person pushed the Demo. The sale was on a new vehicle. He told me that the financing would be the same as if it were a new vehicle but that the payment would be less because I got a discount on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regards to the company XXXX. On XXXX XXXX, 2015, XXXX wrongfully placed my account with a collection agency. This account was transferred to the collection agency a full two days before payment was due. I have attached the bill from XXXX showing that my bill was due on XXXX XXXX, 2015. I have also attached a XXXX complaint where XXXX admits to sending my account to collections a full two days before the due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance.

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 2016-07-28
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX filings in my credit for XXXX apartments that I 've never lived in. They are still on my credit report. I have letters explaining these issues. Also, I looked these properties up, they do not exist. Another company took them over and now are a different name. I do n't know what to do at this point. I 'm trying to live at another apartment complex and this is the only thing holding it up. Please tell me what I should do. This is very frustrating. XXXX is from XXXX, XXXX went to this collection agency in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-05
Company: ERC
State: NY
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:
In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY. 
On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations. 
On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply. 
Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: ERC
State: OH
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:
Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee. 

XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-22
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Enhanced Recovery has reported to the CRA that I owe a debt to XXXX that was the resault of Identy theft. I reach out to them XXXX time and then went directly to the orginal creditor ... Spoke with XXXX XXXX at XXXX who has confirmed the account is cleared and has let the collection agency know that this account has been clear and any negative information should be removed from my bearus within XXXX to XXXX hours which at this point it has not been removed

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 2016-04-04
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A mod package was sent in XXXX ( see email attachment ) Sale date was set for XXXX. 
On XXXX Wells Fargo employee XXXX XXXX stated that a note on file deemed the account ineligible fore review and the call was transferred to the reentry team. XXXX stated that the documents were sent in and entered XXXX and that they need EIGHT days before the sale date to review the file and that they got the file SEVEN days before the sale date. 
California guidelines state 7 days are needed. NOT XXXX. 
Our office called Wells Fargo EXECUTIVE OFFICE. XXXX XXXX XXXX who did nothing to assist on the matter. She stated that she will request a reinstatement. The home owner DOES NOT HAVE THE FUNDS to reinstate. We called the executive office to get assistance with the documents that were there ON TIME. Instead no assistance was provided. 
It is very apparent that Wells Fargo would rather foreclose on the home than provide assistance. There is no tangible reason for Wells Fargo to REFUSE to review the COMPLETE package that was there on time. Wells Fargo is discriminating against the homeowner based on his age, race, ethnicity, marital status. We are demanding a fair review of the file or XXXX XXXX will assert his legal right and name Wells Fargo defendants in civil court.

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 2021-08-04
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Recently, we have applied for a mortgage with Navy Federal Credit Union. The loan officer did not communicate with us at all until we called NFCU. She was unfriendly from the moment we were on the phone ( all phone calls are recorded and should be available for a review ).

We have requested a rush appraisal order. However, the appraisal has delayed unreasonably. We would like to have some evidence ( email, fax, phone calls ) that could prove the loan officer has communicated with the appraisal company and put a rush appraisal order on time.

Since the appraiser has completed the job on XX/XX/XXXX, it did not make sense to have more than a month delay in the appraisal report.

Another issue occurred exactly three days before our closing date ( XX/XX/XXXX ). The underwriter addressed an alert regarding SSN in my wife 's credit report, requested an SSA form, and suspended her for a fraud. 
My wife received her SSN after graduation ( issued on XX/XX/XXXX ) and started her OPT. Also, she received her XXXX XXXX from the XXXX. We strongly believe considering a wrong alert from a credit report company over the XXXX clearance process is controversial. 
In addition, the underwriter asked for a XXXX XXXX renewal from my wife as the underwriter did not have enough knowledge about the US immigration laws and system.

Interestingly, the underwriter had weird document requests during the process such as remote work authorization from my wifes company during the pandemic that most of us work/worked remotely including the NFCU staffs.

Yesterday, the supervisor explained that the underwriter and the department followed the guidelines. We have kindly requested a copy of the guidelines for our review. However, the supervisor declined to provide the document.

We would like CFPB to receive and review the guidelines regarding SSN and XXXX XXXX renewal in NFCU mortgage processing. 
The loan officer, her supervisor, and the underwriter hurt our dignity and put too much pressure on us. Our dignity is priceless and is worth more than the mortgage amount ( XXXX, with XXXX DP ). The NFCU staffs mentioned above hurt our dignity nonstop since we applied for the mortgage by delaying, mistreating, and asking for unreasonable documents. 
We have been patient enough until NFCU suspended my wife and our baby as a fraud which is unacceptable under the flag of the United States. 
We sincerely request to receive the documents mentioned above to prove that the mortgage application has been processed fairly and thoroughly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Case number : XXXX I tried to dispute this case on the form they sent but for some reason it would not send. This is notification that I am disouting the reponse dated XXXX XXXX, 2016. I am writing in reference to the response received from Wells Fargo. 

I feel this is not resolved due to the following issues!. They stated they did not disclose personal information. I had XXXX packets left on my door step ( XXXX was taped with electrical tape to the front glass door ( XXXX pages ) and the duplicate copy of XXXX pages of information clearly written FORECLOSURE throughout XXXX page paperwork was strewn throughout my neighborhood and returned in pieces to me by several neighbors, friends, as well as landscapers and plumbers working on my neighbors homes. Extremely humiliating and absolute breech of privacy breech. How can Wells Fargo investigation reveal otherwise and that ets up a red flag. Again, I am in a situation that i did not choose. My spouse of 26 years left myself and XXXX children. I am a full time XXXX and a respected and active XXXX. I have worked hard for 4 years to raise XXXX children and upkeep in our property at XXXX XXXX XXXX XXXX MD XXXX. I have requested and applied for loan modification after loan modification and written XXXX hardship letters at least. Spouse and co owener of home is not willing to participate in any of these efforts and requesting home to crumble around myself and children. I had requested several times in writing that his mail from Wells Fargo and the like be mailed to his address in XXXX MD. Sounds as if this is finally resolved and thank you but what about all the correspondence he never received. I have watched people sent out by Wells Fargo to sit outside my home. How unsafe and unnerving is that an had neighbors asking wjhat they were doing? Everyone has a story, but what happened to our family was traumatic enough without all of this additional humiliation and breech of privacy. 
I am doing everything in my power to get a modification under my name only so that I can begin making mortgage payments to stay in my home at least until my kids are finished school. As a single mom, I can not afford a {$4000.00} pick a pay loan amount that is an upside down crooked mortgage as it is and I want that point investigated as well. I have spent thousands in an effort to keep this property maintained and have had XXXX flooeded basements in the meantime. 

I have contacted XXXX XXXX office and states attorney this month as well as years past and am in recepit of suggestions and recommendations for continued actions to try to keep my home. 
Thanks you again for your follow up. I did not even get a sincere apology., I got we are sory you have had frustrations. 

Thank you for the continued resoultion and follow up.

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 2016-06-07
Company: ERC
State: IN
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:
On XXXX XXXX, XXXX our house burned down. All XXXX equipment was lost in the fire. We called XXXX on XXXX XXXX, XXXX to report the loss of equipment. We were told by the customer service rep that we would receive a bill for the final amount. In XXXX XXXX, we received a statement dated XXXX XXXX, XXXX showing the charges for the service and equipment. On XXXX XXXX, XXXX we paid the balance on the account. Now, 3 years later, we are being harassed by XXXX collection agencies for a XXXX charge of {$140.00} for which they have not produced any documentation as proof that this is a valid charge. The harassment began in XXXX XXXX and has continued even though we have produced documentation showing our account paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I received a HARDSHIP withdrawal from my XXXX due to health issues. I took the check of {$35000.00} to Wells Fargo where I was told they would release only {$200.00} and the remaining {$34000.00} would be held till XXXX XXXX. I called Customer Service at Wells after I left the Bank FOUR times as this was cause for concern. A Hardship withdrawal, is just that HARDSHIP. I was told that my check, even though it would clear the Bank the next business day that Wells would not release funds till XX/XX/XXXX due to the fact that I had some OVER DRAFTS over the last six months. They commented this was a Federal Regulation. 

1 ) Wells offers my FREE overdraft protection having a PMA account. So I am being penalized for using their service that they offered to me. 

I asked over and over even if the check clears XXXX 's Account ( my XXXX Provider XXXX that they still would not release my funds till XX/XX/XXXX. 

So I have only XXXX till XX/XX/XXXX while they hold on to my XXXX even though the check clears the writers account. 

I would like to know what Federal Guideline calls for a Bank to hold a check for this long due to the fact that the Banks Customer used their overdraft protection that they had me sign up for and is a selling point of their PMA account holders. 

So NOT knowing this I wrote checks and mailed today knowing that I would have XXXX in my account. Now I asked them about those checks. They stated they would be not honored and I would be charged for NFS checks even though I deposited the XXXXI am intelligent to know that these funds would not be available today but to not be available till XX/XX/XXXX is unbelievable. 

So I asked how I could get my check back so I could deposit it at the other XXXX Banks I Bank with and they stated once a check is deposited it can not be returned. 
I am NOT normally someone who writes about anything BUT this has me so upset today that I am reaching out for help. 

IN SHORT : I use the overdraft, that they signed me up for. This is not NSF items this is where funds are pulled from linking accounts. But because I used the overdraft protection they have to hold my funds till XX/XX/XXXX and all the checks I wrote are going to be bounced and I will have to pay them NSF fees even though the money is in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Reference to Complaint # XXXX I feel all my questions concerning a loan modification that was done in XX/XX/XXXX are still unanswered. I did n't pay my monthly mortgage of {$1000.00} ( which included principal, interest, and escrow ) from XX/XX/XXXX- XX/XX/XXXX totaling {$14000.00}, then why when the loan modification was done I owed {$32000.00}? Included in that total is {$2000.00} in recoverable expense. I want to know what those expenses were and if they are a ligament recovery item. Thank you for reviewing this matter again. I just want to understand why the amount owed is so much greater than what I would have been responsible if I did make the payments.

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