BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an account with Ally Bank. As per the Ally bank website and their customer service, Ally bank does n't charge any fees for incoming international wire transfers. However I find that for an incoming wire transfer, I was charged {$30.00}. When I enquired with Ally Bank customer service about the fee, they told me that they could n't help me trace why their own designated intermediary bank ( XXXX XXXX XXXX ) charged the fee. They further told me that on incoming wires I should ask the sender bank to mark field XXXX as " OUR ''. This was n't mentioned anywhere on their website. I am pasting below the exact information about incoming wires on their website verbatim for your reference : XXXX BEGIN ALLY WEBSITE INFO XXXX Top Related FAQs How do I receive a wire transfer? 
To receive a wire transfer from another bank in the U.S. : You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : Ally Bank ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Beneficiary Account Number : Your Ally Bank Account Number Beneficiary Name : Name as it appears on your Ally Bank Account To receive a wire transfer from a non-U.S. bank : Incoming wire transfers from a non-US bank are processed by our designated receiving bank, XXXX XXXX XXXX XXXX, XXXX. 
You 'll need to provide the following information to the person or business sending the wire transfer to you : Receiving Bank : XXXX XXXX XXXX XXXX, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX or Bank Identification Code : XXXX Beneficiary Account Number : XXXX Beneficiary Name : List 'Ally Bank ' since the wire is being processed by XXXX XXXX XXXX XXXX , XXXX. 
Further Credit : Your Ally Bank Account Number and your name as it appears on your Ally Bank account. 
Note : We wo n't charge you to receive a wire transfer into your Ally account. 
XXXX END ALLY WEBSITE INFO XXXX

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 2021-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name changed due to a divorce over 10 years ago ( and Ive legally had it changed back to my maiden name right after the divorce was finalized ). Equifax is the only credit bureau that doesnt seem to have anything correct on terms of anything in the past 10years. I have faxed, mailed and spoken to them so many times it is becoming emotionally exhausting. I have confirmation numbers and correspondence to show this. They need to get it together. HELP! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Pinnacle Asset Management, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me one. Then they called and said because they noticed I was a XXXX that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I enrolled in monthly minimum amount due recurring payments some time ago with my WalMart Credit card. Up until just recently, those payments were drafted correctly from my account. today XX/XX/2017 when I logged into my bank account I notice Walmart had taken over {$410.00} from my bank account which they were not authorized to do. my monthly minimum payments are {$25.00} which was the amount they were authorized to debit my bank 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 monetary relief
Consumer complaint received 2017-04-07
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A fraudulent XXXX XXXX business credit card through Barclays was opened in my name with what was obviously a fake business name of XXXX. I feel this might have been an inside job. How otherwise can a business credit card be opened without any supporting business documents? Also, before the card arrived in the mail and I was aware of it, there was a {$10000.00} transfer made to another company.

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 2022-02-01
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report on XX/XX/2021 and I saw that it states that I owe {$XX/XX/XXXX} to XX/XX/XXXX opened XX/XX/2021. I disputed with XXXX, XXXX and XXXX. It was removed. 
I pulled my credit report on XX/XX/2021 and it states that I owe {$XX/XX/XXXX} to AMSHER COLLECTION SERV opened on XX/XX/2021. I disputed with XXXX, XXXX and XXXX on XXXX of XX/XX/XXXX. I also asked for Validation and Verification with AMSHER COLLECTION SERV. I received two different letters with different names and amounts on the correspondence. I want to get this collection off my report because I have not done business with AMSHER COLLECTION SERV.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I disputed fraudulent transactions on my Chase debit card. They initially credited {$110.00} and {$24.00} to my checking account, then reversed the credit. They gave no explanation for the reversal. Account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/2016 I paid the balance to Hyundai for the end of my lease. They still sold the balance to collections. Since then I have been harassed my several debt collectors for this balance that I paid to Hyundai and the debt collectors say that Hyundai needs to recall the debt. I called Hyundai 's billing department who confirmed that there is no balance owed and also confirmed that I should n't have been contacted by these debt collectors yet will do nothing to remedy the fact that they sold a debt that did not exist. Confirmation of payment on XX/XX/2016 is # XXXX

Company response to consumer: Closed
Consumer complaint received 2017-03-30
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I arrived to Bank of The West. I approached there ATM to deposit the amount of {$100.00}. I unknowingly used my prepaid card unaware i was n't able to use the card at the Bank of The West ATM. After depositing my money I received a receipt stating at XXXX " We encountered a problem returning your cash, please contact your financial institutions '' after trying to withdraw my money back, I got error reading. I contacted the Branch Manager at the bank and they stated my Prepaid card company ( XXXX ) would have to make a claim stating that i lost my money at Bank of The West ATM. but since there was no transaction of the money depositing into my card they where unable to file this claim. After spending hours on the phone with the branch manager again she said that she contacted the ATM Branch and they are now stating I was never there at the ATM and they are not Over the amount of {$100.00} But I have proof of I was there. I am attaching them to this Claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I C Systems never sent a dispute letter. I check my my daily and I am a very organized consumer. I also check my XXXX account at least once a week. I hve never done business with IC Systems, nor have they followed the law and sent a dispute 30 day notice.. They just appeared on my credit report with out following the FCRA. They have an open date of XX/XX/2016. Have them explain what this date means? I have never done business with this company so I have no idea what happened on XX/XX/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 2017-04-03
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have requested a payment schedule from Nelnet and because my loan in 'undisclosed ' and was sold to them by XXXX XXXX they will not provide me with a payment schedule. 
Nelnet has offered to " disclose my student loans ' and provide me with a payment schedule if I 1 ) agree to increase my monthly payment by {$110.00} per month at {$22000.00} or increase my number of payments from XXXX to XXXX and will increase the balance by {$37000.00}. I have received XXXX phones with basically getting scammed with each offer. All I want is a payment schedule. 
I have filed a complaint with the BBB. 
All phones calls and time are documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I just re-applied for the REPAYE program. The year prior, my student loan payments were manageable. But I recently discovered that my loan servicer, Nelnet, that my new loan payment had nearly quadrupled. I was in shock. They stated that based on " their '' calculations, that they used my Adjusted Gross Income to come up with this number. By my estimation, this number is completely inflated due to the fact that Adjusted Gross Income does not account for all of the taxes that are taken out of your check. Mind you, this is even with having two children. Not only that but I was told that my only alternative was to apply for a Deferment, which would add even more interest on to my loans. Otherwise, I would have to default, where the corrupt US Department of Education can demand full payment and or garnish my wages. This system is rigged against people like myself, who are diligently making student loan payments on time, every month! I ca n't even refinance. I may have foolishly went to a for profit school, but unlike corporations, big banks and our current President, I can neither file for bankruptcy, discharge, refinance or default on my loans without being severely punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had XXXX medical debts with Central Financial Control that were settled in full. My fianc and I are attempting to qualify for a mortgage and the only deterrent are these mark on our credit bureau. These debt have been paid and the amounts owed were minimal. I have asked that the trade line be deleted to improve my credit score to qualify. As a consumer trying to purchase a home it 's hard to believe that XXXX small medical debts would hold us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have approximately XXXX different loans with Navient in which I requested to consolidate so that my monthly payments get distributed for all of the existing loans. They do this and then a couple of months later. The loans are no longer consolidated for equal disbursement, but rather they only pay on XXXX and have the other XXXX loans listed as payment not due until a later date ( thus making the other loans will be accruing more interest ). I have spoken to them again this week ( per chat if proof is needed ) and again asked them to consolidate all of the loans so that my monthly payments will be distributed to all of the loans. This is the third time I have caught them doing this so that more interest will accrue of the loans that they are not applying my payments to. Please add this as a list of grievances. I have spoken to other students who have Navient loans and they are experiencing the same issues. Because of their actions we will never be able to pay back the loans. Just another deceptive practice on their part. If you do n't keep an eye on your account they will pull this fast one on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello, I have an auto loan with this dealer in Wells Fargo Dealer services beginning in XX/XX/XXXX for a XXXX Ford Escape. I pay XXXX dollars on the XXXX of each month. I have asked on numerous occasions for the due date to be changed and was advised that I can not change it. 
I get paid once per month, the last working day of the month which I explained to them when ever I called. I would like them to change the date to the XXXX which would make it easier for me to be on time with my payment. 
Last year I paid after XXXX in XX/XX/XXXX or XX/XX/XXXX and it was reported on my credit and then on XX/XX/XXXX it was reported as paid and account in order.?? This has hurt my credit and is still hurting my credit. My bank has been paying continuously for me on XX/XX/XXXX and my account stays in od until my pay check goes in. I had spoken to them. they now are tired of it, which they should be and has asked me to try and fix the due date. It been late this month again because of all these situations and again its been reported on my credit and a fee charged. 
THEY HAVE CHARGED ME A FEE OF XXXX DOLLARS EVERY MONTH SINCE I OPENED THE ACCOUNT IN XX/XX/XXXX. I have paid some and now there is approximately XXXX dollars more still. Im not sure what the XXXX $ is for. I asked and they gave me a story. 
Today XX/XX/XXXX I called after being alerted on my credit. I asked again to have the due date changed and was hung up on twice before I got XXXX a supervisor. He insisted that I can not change the due date until I bring the account current. 
That is the reason I want the date changed so that going forward I can have it up to date.I will not be able to pay until XX/XX/XXXX, which will be past XX/XX/XXXX current due date. I will be charged a fee regardless and it will again be reported on my credit. 
I have 3 more years to deal with this because I need the car to take me to work. I need help please. 
This is not right for someone who is always paying but is being hindered from catching up because of their fees and refusing to assist so they can collect but in the samr breath is making my credit pay and my future in borrowing from someone else. 
Thanks for any assistance.

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 2015-04-28
Company: Mobiloans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX XXXX, 2015 I initiated an online payday loan with Mobiloans LLC. Initial spoke to a representative and was assured they were in compliance with Oklahoma State Law and Federal Regulations. After never receiving proper loan document and further investigation, I am be charged fees in excess of allowable interest ( in excess 600 % ) - They have also changed my payment terms to from monthly to bi-monthly by means of ACH without my consent. If you atempt to resolve via telephone - the representative becomes beligerant and threat of vioaltions regarding siesure of bank accounts or imprisonment. These folks claim XXXX, however, finding your investgation against them, they are not excused from federal regualtion.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Mortgage Loan Number XXXX In 2003, my wife XXXX and I received a mortgage for {>= $1,000,000} at 6.5 % interest from Wells Fargo Home Mortgage Company. Wells Fargo Home Mortgage Company promised they would refinance our mortgage when the mortgage interest decreased by 2 % or more. Since inception of our loan, we were denied numerous times by Wells Fargo Home Mortgage Company to refinance our mortgage. They have used the following illegal tactics to avoid refinancing : 1. Refusal to accept written applications for mortgage refinance. Instead, will only accept verbal applications ( Inquiry ). Thereby, covering their trails of mortgage refinance denials. 
2. Listing refinance denials as application withdrawals to disguise mortgage refinance denials. 
3. Company management purposely put into place a plan to deny refinancing of jumbo mortgage loans, with the intent to exhort the excess mortgage payments to increase company profits, and executive bonuses. 
4. Company management purposely put into place a plan to cancel all jumbo mortgage loans held by racial minorities considering these loans as unacceptable risks ( Received this information from a confidential source within the company ). 
5. Company management purposely put into place a plan to deny refinance of all jumbo mortgage considered " Under Water '' ( Appraised Value considered less than the Mortgage amount owed ) We paid our mortgage loan on time ( never late ) every month for over a decade. But, could not get Wells Fargo Home Mortgage Company to refinance our loan until they had exhorted over a half million dollars from us. Then, they only agreed because we continued to write to their Board Of Directors complaining of their unfair and illegal practices. 

We are requesting Wells Fargo Home Mortgage Company be required to refund all of our excess mortgage payments with interest equivalent to the return of the XXXX during the same period.

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 2017-04-04
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I sent Regions Mortgage a notice for Full Disclosure concerning our loan agreement, after discovering that there was material concealed and omitted from the agreement that I and my wife never agreed to, nor gave permission for Regions Mortgage to conduct. I requested for Full Disclosure for all Bookkeeping Journal Entries associated with our loan, which I have a right to by law, and Regions Mortgage replied to me by saying ; they decline to respond to my request, saying that it is irrelevant to our mortgage loan account. In all actuality, nothing could be more relevant to our mortgage loan account, because Regions Mortgage knows that Full Disclosure of the Bank Bookkeeping Entries, prove that they are in Breach of Agreement, and once again, I have a right to this information, by Law of Evidence! I requested for Regions Mortgage to give me Full Disclosure of the Deposit Slip for the Deposit of our Promissory Note associated with our loan, and they replied by saying ; my request is both unduly burdensome and irrelevant, and therefore Regions Mortgage declined to show me our Deposit Slip of our Promissory Note, which we have a right to by law! Regions Mortgage is in violation of the GAAP, which states that the bank owes the depositor ( US ) money for depositing our note, that Regions Mortgage never told us about, nor did we give them permission to conduct such a transaction in our name! Also, per the banking law, if the bank deposits the note, they must give you a deposit receipt, as mentioned in 12 U S C A Sec 1813. We know that Regions is in Breach of Agreement and has broken the law, and all we are asking for, is the Full Title to our home, showing paid for in full and fully discharged, and we will not demand for Full Disclosure to the Bank Bookkeeping Entries and for the Deposit Slip of our Promissory Note. Regions did not deny the deposit of our Promissory Note, because the Federal Reserve Publication already reveals that the banks do not give loans ; but they are to take the borrows Promissory Note in exchange for credits to the borrowers transaction accounts, which is an exchange, not a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Mobiloans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This collection agency is harassing my manager at work, as well as calling third party people who I have no association with. This third party is my boyfriends child 's mother. This debt is from 2012, and I have had no association with the child 's mother at the time or at all currently. I have no problem communicating with them however she was yelling at me stating she can call again if she wanted to referring to my manager and the third party. I also asked for a mailed statement and she said she does n't provide those.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-03
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Filed a dispute against a merchant for not sending goods as ordered. I called synchrony bank which manages my XXXX master card. They took the dispute but have declined to give me temporary credit during the investigation. They are sending me bills to pay on the amount charged by the merchant.

Company response to consumer: Closed with explanation