BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I ran into a finacial crunch had to borrow some money. I usually borrow from reputable companies. I was online doing a serach and I came across Cash USA after reading that it was a revolving account I said that was good I looked at their pricing and it stated that for the XXXX XXXX I borrowed my payment would be XXXX monthly or XXXX biweekly. They sent me a statement saying that my XXXX payment was {$220.00} and XXXX weeks laters they expected another XXXX That absurd who in their right mind would agree to pay someone $ 300XXXX per month for XXXX when I have borrowed XXXX and my payments was n't that high. I can not afford to pay anyone that kind of money. I needed to pay my water bill not get ripped off because I was in need. I have no problem with paying what I borrowed, but to pay that monthly is crazy. I immediately reached out to them by email and phone informing them of the situation they brushed me off as to say oh well you going to pay it. I made the payment of XXXX and that was my last payment because even if I wanted to give them that kind of money my paycheck wouldnt allow it. This company is taking advantage of people that is in need if I had that kind of money than I would n't been borrowing any from them. I am trying to get some assistance because I am rebulilding my credit and this is the last thing I need.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: AZ
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 reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is still a Barclays Bank Delaware card on my report. I repeatedly told Barclays that fraudulent information was on my report. Barclays did nothing to help. I will never do business with Barclays again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.

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 2017-03-28
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed this already and if I need to write a formal letter I will. Yes, I signed the lease but never stepped inside his apartment due to being hospitalized for XXXX months. XXXX the treatment center I was that wrote a letter and XXXX said I was not living there anymore. She also said she was not living on there anymore. It is XX/XX/XXXX and I 'm just finding out that she has been living there and got a XXXX did and I never properly was taken off the lease. I have tried talking to the apartment company but they have sold the debt to the collections agency and this needs to be removed. I will not stop hassling until it gets done because of the legally I signed a lease I was physically unable to move in and she was falsely representing me. I have tried to contact her and I have no idea where she is and she also caused any eviction which goes on my record as well. This is not right and I do not have the money to pay for something I was told she was not even living there anymore so I was not having to worry about the lease. I physically never lived here although I signed the lease. I was in the hospital and she lied and represented me and was pretending like I was living there with her. This debt is not mine this is her responsibility. This was back in XX/XX/XXXX and I am just now finding out about it because it was supposed to be removed from the lease since I was in the hospital and she said that she was not moving in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I signed a XXXX home purchasing contract. I was processing XXXX loan from wells fargo. Well fargo agent fill up and information and gave me approval letter. I paid the loan rate and processing fees. Then I have submitted contractor bid.They have gone through contractor bid. When it comes to closing date after 4 weeks of bid submission. Wells Fargo called me and rejecting contractor. They ca n't close it with this contractor and they want extension and go with new contractor. Now, They gave me their contractor detail to submit the bid. I went with contractor with high bid. Then they were delaying it and extend the closing date. We extend the closing date. I was middle of the switching company. I told them beginning of the loan process that I would be moving to another company, which will have future employment. I would not be get paid until I start the project. Agent told me that it would be fine and she would be closing it. 
Now, They verified with my new employer XX/XX/2016. They will be closing it next week. They need another extension. we did extension for 2 weeks for them to close it next week. But they did n't close it next week and they went for 2nd week and calling again employer why I did n't start to get paid yet. I told them that I would get paid when I start the project. Now, last minute, Bank under writer would n't close the property. They could have told me long time ago. i could go to another lender. Now. Fannie mae would n't extent anymore. 
Agent promised me that They close property with 45 to 60 days. It is more than 90 days, they could n't close my property and denied it last minutes. I lost lucrative property and over XXXX equity. I had go through over 60 days of hard work, XXXX, put together contractor as per their request and spent lot of time and stressful time with this agent request. They took money to close the property. 

I am filing report to band this agent and wells fargo to practise loan processing in NJ. 

you can reach me at XXXX XXXX XXXX or email me at XXXXXXXXXXXX

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 2016-09-22
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I logged into my US Bank checking account in the morning, saw pending transactions that required a deposit. I made that deposit, yet the next day an additional transaction was posted that still caused my account to be overdrawn. Because that unseen transaction was processed first, instead of last, US Bank was able to charge me an overdraft. The next day, I follow the same process and make a deposit to cover all pending transactions. Sometime well after I logged in, the overdraft from the previous day is posted to my account, again allowing US Bank to charge me an additional overdraft charge. 

My concern is two-fold. 1. US Bank is intentionally processing transactions in an order that allows them to charge overdraft fees, instead of in an order that is best for their customers. 2. US Bank is not posting their actual overdraft fees until late in the day, after most people have checked their account for the day. This approach allows them to then catch customers with minimal funds with not enough cash to cover that days pending transactions, because of the overdraft fee is processed before any of the pending transactions. Had the overdraft fee showed in the morning, I could have ensured enough funds were in the account to cover that as well. 

Lastly, and maybe most frustratingly, I spoke to XXXX ( employee ID XXXX ) at XXXX XXXX, who when we could n't come to an agreement, refused to escalate my call. He insisted that US Bank did have an escalation line. Then refused to transfer me there, saying they were n't open. When I asked why, he said due to call volume. At that point, I asked for the phone number, so I could call back later and he said that they would not be available at all that day. I asked why, and he refused to tell me. I then asked to be escalated to the next level manager and he also refused to do so. So, XXXX gave me no opportunity to escalate at any time. Either US Bank does not have the appropriate escalation options for their customers, or this employee denied my request to speak to them. He did state that the calls are recorded, so this should be easy to find and review. I was not abusive and did not yell, but I was frustrated and hope this can be addressed. I would appreciate receiving a call from a US Bank representative if 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 explanation
Consumer complaint received 2016-01-12
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with USBANK only to retrieve cashers ' checks to move into my new place from Oregon to XXXX XXXX Nevada. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX 2 times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is XXXX ; my credit should never have been pulled. I feel I was tricked and deceived. I filed a complaint on the wrong bank previously. My mistake it is USBANK. I received a call from a XXXX whom stated it would filed, yet I have received no future response stating my credit has been cleared up with the Credit Bureaus. the only thing that was resolved is the credit line is gone. I need my credit reports to reflect I have all my points back with no Inquiry from USBANK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX continues to furnish inaccurate information on credit reports. 
Contact made on several occasions to the company along with the collection agency. XXXX from the collection agency continued to manipulate the client for payment of XXXX. 
On credit report displayed another amount. Made contact with XXXX XXXX XXXX stated payoff amount is another amount, requested disposition of sale along with documents regarding repression, company failed to comply according to FCRA guidelines. In addition, requested documents sent from the collection agency, XXXX continue to badger the client for an amount of XXXX. Requesting a full investigation.

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX continues to furnish inaccurate information on credit reports. 
Contact made on several occasions to the company along with the collection agency. XXXX from the collection agency continued to manipulate the client for payment of XXXX. 
On credit report displayed another amount. Made contact with XXXX XXXX XXXX stated payoff amount is another amount, requested disposition of sale along with documents regarding repression, company failed to comply according to FCRA guidelines. In addition, requested documents sent from the collection agency, XXXX continue to badger the client for an amount of XXXX. Requesting a full investigation.

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 2016-11-12
Company: FIRST NATIONAL BANK OF OMAHA
State: SC
Product: Credit card
Issue: Other

Complaint:
First National Bank of Omaha has broken 2 Federal Laws, the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and the Fair Debt Collections Practices Act Section 807 ( 8 ) in which it is stated that if a consumer disputes the information on their report the defendant is required to : a ) Provide documentation of the debt bearing the consumer 's signature b ) Mark the consumer 's credit report as disputed within 30 days. 
Neither of these things were done. The initial dispute was sent via certified mail and signed for on XX/XX/2016. I have included evidence attached showing that within 30 days, which would have been XX/XX/2016, none of the XXXX credit agencies had marked my credit reports as disputed and there was never any validation of the debt bearing my signature. 
I filed a small claims lawsuit initially XXXX from the bank proceeded to bully me ( during a phone conversation on XX/XX/2016 ) into dropping the lawsuit by arguing me about the facts of the law and then making a counterclaim against for an incorrect debt that has already been charged off anyway. He misstated the laws and would not hear my side of the story, so this is my last recourse to get the information removed from my credit report. 
I am including as attachments 1. Original dispute to the First National Bank of Omaha 2. Evidence of date it was signed for on XX/XX/2016 3. Subsequent letters to the First National Bank of Omaha 4. Evidence of dates they were signed for XX/XX/2016 5. Screenshot showing the information was not marked disputed by XX/XX/2016 -- was not even marked disputed by XX/XX/2016 when credit report was run

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for a loan modification with US Bank, my mortgage company because I am behind in my mortgage. I ca n't pay the mortgage since my husband died, and I had to sell the business. I have significantly less income and ca n't make the payment. I got a letter from the attorney for the mortgage company saying that there was a foreclosure hearing date on XXXX/XXXX/2016. I called them on XXXX/XXXX/2016 but my relationship manager was on vacation. I spoke to another representative who told me that they had received the loan modification application and that it was in review. I asked the representative if they could call the law firm and ask them to postpone the hearing while I worked out a short sale. She told me that it was in review and that they had no sale date and that everything got put on hold until the modification was out of review. Based on that information, I did not attend the hearing on XXXX/XXXX/2016. However, I received a letter this week from the attorney that a sale date had been set for XXXX/XXXX/2016. I am just looking for them to postpone the sale date so I can work out the short sale. I have an investor who wants to buy my house.

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 2022-05-12
Company: Social Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sofi 's financial practice is deceiving and impossible to complete. We started the home refinance loan process XX/XX/2022. After locking the rates and submitting all the paperwork for our rental properties and my tax information, I didn't hear anything regarding the application process until Mid XXXX. Mid XXXX, we were notified to perform a home appraisal for our home to assess the value. We paid and the home was finally appraised on XX/XX/2022. Since then, the application has been in " underwriting process '' with the occasional documentation requirements that we would submit the same day. It's been 3 months since the appraisal and 5 months since the start of our home refinance process and yet we still don't know when the loan will be finalized. I tried to call and email various people in charge of my home loan including the financial officer and the processor, but I would infrequently get a response from my voicemails or emails. I am really hoping to just finalize this refinance process after 5 long months of not knowing what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: IL
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:
I notified Experian credit bureau of an account that someone had opened in my name. I informed them that this was the result of Identity theft and that the account is unjustly hurting my credit rating and ability to obtain credit. 

I asked them to investigate the account and provide me with information and documentation as well as names of representatives that they spoke to at the company that reported the account and to block and delete the fraudulent account from my credit report as required by law and outlined in the FCRA section 605B. 

They failed to accurately investigate the account. They did not send me any information on how they supposedly investigated the theft of my identity and they failed to block or delete the account on my credit report. I have notified them that I will now be seeking legal action to demand the removal of the fraudulent account under Section 616 & 617 of the FCRA.

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 2015-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had credit card XXXX account that was buy by XXXX XXXX Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had XXXX XXXX Credit. I open credit card with XXXX XXXX up on XXXX/XXXX/2014 and charge {$660.00}. XXXX XXXX sell the same account to Portfolio Recovery I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with XXXX XXXX in XXXX, I have not received any information yet

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After I cancelled my loan Navient sent another XXXX XXXX dollars to XXXX XXXX XXXX XXXX XXXX XXXX XXXX They will not remove this from my loan even though it was their error. I never attended this school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
These calls are coming in to my employment, cell phone and family and friends phones who this pathetic company should not even have..how did they get some guys number i used to be friends with? This guy contacted me on XXXX and said some XXXX are hounding him, looking for me. and stating that I have a debt that must be paid. They threaten by saying police will come and that i need to hire an attorney. sometimes they call at all hours of the day and say nothing, then call again and say nothing. These methods have to be illegal in some way?! Shouldnt they be forced to send state certified letters with seals stating that the debt is mine and then set up a payment arrangement of some kind? I get trying to collect debts but theres a better way than harrassing, IT NEEDS TO STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past 6 months or more, I received on some occasions almost daily calls, sometimes even multiple times a day. They are all from different numbers and none of them leave a message. At one point my mother was called and when she answered the phone they asked for me by name. I am in no way connected to my mother 's phone number and her name is not connected in any way to any debt I owe. After this I called the number she sent me and was not told who they were until I provided personal information. I asked if I could check them out before I gave any personal information and how they gained my mothers contact information. They refused to give me an answer. I eventually XXXX the number and found out that the company was portfolio recovery and there were many others who complained about similar tactics being used. They continue to call using different phone numbers and never leave a message identifying themselves.

Company response to consumer: Closed with non-monetary relief