BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-20
Company: Continental Finance Company, LLC
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. 

I would not recommend this company to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: S&S Physician Services, Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, Harvest Associates Inc : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My client was forced to move to a higher level of healthcare and has a reverse mortgage on her home. We requested the servicer allow her to short sell since the home value is less than owed. We have been working on this case since XXXX of 2016. The servicer uses every excuse to avoid the review and after providing all they ask they continue to delay the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
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:
When I moved since I 'm XXXX and could n't take care of myself XXXX got it to where I could move out early I lost my pay and would n't be able to pay then after I move a year later they change mind and want all this money

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 2016-03-14
Company: Utah System of Higher Education
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan was recently transferred from XXXX XXXX to XXXX. I was never notified about the transfer in writing, I only found out when I tried to log into my XXXX online account to make a payment on my loan. This gave me a message that the loan was transferred, and I would need to go to uheaa.org. I created an account on XXXX, but my loan does not show up. My loan due date is approaching, and the only advice I received from XXXX customer service was to wait a few days since they were still transferring accounts. This process has been completely unprofessional and disorganized, I have yet to receive anything in writing explaining the transfer, and only verbal confirmation that I will not be penalized since I have no way to pay my monthly bill until they complete the transfer.

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 2015-05-07
Company: Astra Business Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a phone call from XXXX and answered the phone. After several greetings, no one responded at all, and I hung up the phone. I XXXX searched the phone number and found that it belongs to : Astra Business Services website - www.astraglobal.com It appears to be a collection agency. Concerned and not knowing of any debts whatsoever, I called the number back. The automated answer states that it 's Astra Business Services and, " this is an attempt to collect a debt. '' When I wait to speak to someone, I am hung up on every single time they answer. I called back 5 times. On the fifth time, someone actually answered and said, " Yeah what? How can I help you? '' As soon as I started to speak the person hung up on me again. 

I suspect that this number may be related to a scamming of some sort. I can not think of any other reason why they wo n't talk to me. Now I 'm concerned if I should pull my credit to see if there 's some debt I 'm unaware of, but that could be a complete waste because I 'm actually being harassed.

Company response to consumer: Closed
Consumer complaint received 2016-03-20
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently realise on my Best Buy c.c. That i been charge beside monly interest for payment protection incurance. I seen it years ago but i was new credit card holder and dint know much how it works ( i have best buy c.c since XXXX ). Anyway i disade to call casumer service and ask ( XXXX/XXXX/XXXX ). Thay explai that i am paying that just in case i am not able to pay min montly payment they cover it ... I dont think so i ever sing up for that service and i ask for refound ... She submite a claim form and i should have answer by 30days. I logg in today and saw refound of XXXX $ and XXXX $ ( Only ). I call again and have answer that i been charge for last tree months only and i have my refound back! Answer was i been charge for last tree monts only and i never been charge before! ( i dont know why would that seriuse company resove a problem with a lie ) .i been charge for a years for that service, and i want refound for every pany i payed without singing on and knowing that i been chrge for something that i never use or knowing what is it! Also i see that they change my acc # last year before change my acc # was ending 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 monetary relief
Consumer complaint received 2016-04-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
NOTICE OF COMPLAINT DENIAL LOAN MOD & FORECLOSURE XXXX XXXX ( Borrower ) XXXX XXXX XXXX XXXX . 
XXXX, Ill XXXX Tel. XXXX Re : Wells Fargo Loan # XXXX Wells Fargo wants to Illegally Foreclose my property and also Denied Loan Mode. 
Need help to get Loan Mod & Stop Foreclosure of 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 2016-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo continuing it 's racist XXXX discriminatory erroneous racist conduct reporting me delinquent on my mortgage payment to the credit bureaus ( credit report attached ). Fully knowing that I have a toxic neg amortization pick a payment loan that has a minimum of XXXX payment options on it : Minimum, Regular, or 15 year. They also have changed the account number on the same account, and am reporting me delinquent for XXXX separate accounts which really are the same account with a higher erroneous account balance!!! I have also requested that I be provided a copy of the mortgage Note, payoff quote, and verification of mortgage, and a itemized breakdown of my payment options on the toxic neg amortization pick a payment loan, and have gotten No documentation, or communication from them regarding my requests. Racism continuing to spew it ugly head like the high school girls in XXXX, Arizona!!! I 'm getting tired of filing complaint after complaint on their obvious overt XXXX XXXX blatant XXXX discrimination business practices, in addition to their hate crimes, and harassment.

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 2015-05-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo reportedly report payments wrong on my credit report even though they have been written about these errors more than XXXX. On both XX/XX/XXXX and XX/XX/XXXX one can clearly see on the statements form Wells Fargo Bank. In XX/XX/XXXX they processed the payment for that month on the XXXX of XXXX. In the past month tried to get ahead by paying {$500.00} before the new payment was due and instead bank used it for so called. " late Payments and not towards principal and interest from for the loan Because of their continued malfeasance, recklessness, and stubbornness to investigate and report accurately has cost my family significant amount of money. We not only have had our credit reported wrong and has prevented us from refinancing as well as current lenders are charging more interest due to the reporting charging more because of the reporting. We are also prevented from lowering our interest rates with any of our other creditors by allowing us to participate in offers with a little higher reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX Wells Fargo Bank forced closed a checking account that I had kept open since XXXX. There was a {$3000.00} line of credit which would transfer money to keep it open. When the checking was closed without my knowledge for XXXX I went to a branch to have it reopened, and was told no. They promised to open another FREE CHECKING, with free checks and connect the {$3000.00} line of credit free as well. The new checking was not free as promised, nor were the checks. They charged me {$25.00} every time the line of credit advanced $ to the new acct.which was not the way it was before. They told me one lie after another until I finally just gave up. They also, forced me to opened a savings acct. that I I did n't want or need. It took me several months to close the savings and line of credit.

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 2016-01-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had my account with Wells Fargo for almost 2 years. During the XXXX season my card was blocked 8 times prompting me to call Wells Fargo each time and verify my transactions. It was embarrassing ; I would swipe my card with funds available and the card would be declined. On XXXX/XXXX/2016 I was told that my account was closing due to too many " claims ''. When I opened my account I was told that there was a {$0.00} liability clause for claims. It was never stated to me or anywhere in the policy that I could only have a certain number of claims in order to keep my account open. My account was placed on hold and I was n't even called or e-mailed about this. I had to call the customer service line who advised that there was a hold on my account. The customer service line then transferred me to " Loss Prevention '' where the rude representative did not answer any of my questions. She just kept repeating that this was a business decision and then she disconnected the line on me. I went into a local branch located at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX because for some reason my account was closed or in the " process of closing '' but Wells Fargo was still accepting my payroll. XXXX, whom was very XXXX and made it very clear that he was disinterested in speaking with me because I am no longer a Wells Fargo customer and needed to take my business else where told me that I would needed to go to the Wells Fargo located on XXXX XXXX in XXXX to withdraw my money. I knew this was a lie because I had already spoken with my HR department who advised that the money would come back to them and they would disburse in the form of a check. When I tried to explain this to XXXX he was n't listening and he stated that I no longer had an account with Wells Fargo but could open an account else where before prompting myself and sister to leave the facility without incident. The fact of the matter remains that Wells Fargo does not state any where in their policy that they would close my account due to X amount of claims and in my opinion and legally my account should have never been closed ; especially without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The bank decided to cancel my debit card without notifying me. I just had XXXX 5 days ago and my father has been helping me out by going to the super market and purchasing food for my XXXX children. Yesterday XXXX/XXXX/14 he went to the store and my card was decline. I checked my account and had enough funds to purchase our diner. I called customer service and was told that my debit card was cancel because if was good for 3 weeks until I received my new cars. Well I never received a new card and my old XXXX was cancel. The associate said it would take XXXX-8 days to receive the new card, I asked if they could Rush my card and the associate places me on hold to ask her manager and was advise that they could not rush my card because they do n't have the ability. I ask to speak to the manager and the associate gave me so much push back. She finally transfer me to XXXX XXXX XXXX, and he again asked me to go to the branch after I told him I could n't walk because I just had XXXX. I have been descriminated numerous times by Wells Fargo Bank because of the type of account I have. If I would have been told that having an opportunity account meant that I would be charge fees when ever they felt like it or reject my request to cash a 16 dollar check I would had never open this acxount. It 's so unfair that I have to wait 8 days to spend my money because the bank could n't Rush my new debit card. I want a formal apology and a reason why they could n't Rush my debit card. Why do I get discriminated so much? I am hurt and feel horrible by all the abuse I have accounted by Wells Fargo. This bank should not be allowed to discriminated customers based on their account type! Wether I am poor or rich I have the right to be treated fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a personal company check double cashed the first time by my ex wife ( XXXX ). I let Wells Fargo know I had done a mobile deposit of the check and ex wife took the physical check and redeposited it. Wells offered me a new account and told me it would not happen again. I let them know she may have other physical checks where I mobile deposited them. Wells assured me that with a new account, new card protection etc this would not happen. A year later another check from a vendor XXXX deposited in my name was returned to my account since she no longer banked with Wells Fargo. I contacted her bank and let them know of the fraud ( XXXX ) who indicated the check did not come back to them ( She undersigned her name ). Wells refused to look into the matter, claimed I should have destroyed the check again which I did not have access to and had explained they said I was protected. The check was in my name but she deposited via ATM into XXXX. The vendor ( XXXX ) wrote a letter also asked Wells to look into the matter and correct it. I have spent over a YEAR trying to get funds back Wells took from my account that was not supposed to happen again.

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 2015-08-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX I was granted a loan modification with my mortgage lender Wells Fargo after XXXX years and XXXX attempts. I was relieved that I was granted the modification and would be able to remain in my home. 
XX/XX/XXXX I listed my home for sale and attempted to obtain a mortgage on another home. I was denied the new mortgage due to a low credit score resulting from the years of " late payments '' that were reported by Wells Fargo during our working together to obtain the modification. In addition, I was recently told that due to the modification, I would not be able to attempt another loan for a mortgage for XXXX more years. These dings on my credit and inability to apply for a mortgage were never spelled out during the process. 
In addition, I also now have a lien on my title from FHA for XXXX. Please advise! 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my house on the last day of XXXX 2015. The loan with Amerihome Mortgage was paid in full, yet on XXXX XXXX, 2015 this company took {$870.00} out of my checking account via an automatic withdrawal that was supposed to be closed. They now refuse to return my funds. They have even ignored a complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
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:
Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX  - {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: WELLS FARGO & COMPANY
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Disputed the account being in collections due to it being fraudulent. Contacted Wells Fargo and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.

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 2015-10-08
Company: WELLS FARGO & COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2015, Wells Fargo had my checking account available balance listed as {$670.00}. I withdrew {$500.00} from the account, which left a balance of {$170.00}. The receipt generated after my withdrawal showed the available balance as {$170.00}. The next day, it was clear that Wells Fargo incorrectly listed my available balance too high and a downward adjustment was made. The lower balance appears to be correct. However, I was charged a {$35.00} overdraft fee for the ATM withdrawal. I should not be penalized {$35.00} fee because Wells Fargo incorrectly listed my available balance as too high. At the time of the withdrawal, there were no pending transactions that would bring the available balance down. As a result, it 's clear that Wells Fargo incorrectly calculated my available balance. The receipt generated after the ATM withdrawal in question will show a positive balance before and after the withdrawal. I ask that the {$35.00} fee be returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation