BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a college student urgently reporting the closure of my Bank of America ( BOA ) account in XX/XX/, with no clear reason provided. Despite three months of review, the representative mentioned that BOA closed my case and sent out all the checks. However, the reality is that the majority of my funds are still under review. 
This discrepancy raises concerns about misinformation from customer service. I kindly request your intervention to expedite the return of my funds and address the misleading information provided, as it has added to my financial distress.

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 2024-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I went to XXXX Bank and requested two Cashier 's Checks to be deposited at my other Banks. I requested having {$9000.00} for XXXX XXXX and {$7500.00} to Wells Fargo. I was only with XXXX XXXX  for 6 months, and by the XX/XX/XXXX, the funds were credited to my account. I did the same for Wells Fargo. They were not open on Saturday and then I went in person to ascertain when the funds will be applied. They thanked me for my 18 years of being a member, but had the nerve to say, it was because I opened a new savings account and therefore, they held my funds. I said : That makes no sense, I had to verify my info in order to even open the new savings account, so why would that suspicion? 
They said my check would be on hold until XX/XX/XXXX. I was so upset, and informed them that as soon as these funds hit my account, I'm taking the money out, and put it back into my XXXX XXXX  account. I said : " It is a Cashier 's Check ' the money was already taken from my account. Try calling them if you want to verify funds and my account. They said that is something they don't do... 
Wells Fargo have been sued many times for unscrupulous behavior, and this appears to be more of the games they are employing while playing with " My Money '' - It's a good thing I didn't need the money right away, or they would have put me in a very terrible financial situation. These banks continue to defy banking regulations until they get sued, or continue to finds ways to take money from their members. This is insane! having to wait 12 days, while " MY MONEY '' is held hostage..! there is nothing criminal, I haven't been in check systems, never wrote a bad check, or had any check that didn't clear, and I'm treated like a criminal. They need to be regulated harder and they need to give me an apology for a simple transaction from another reputable bank ( XXXX 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 2024-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My property taxes and insurance are both held in escrow by my mortgage company. On XX/XX/XXXX, I got a notice in the mail that my property taxes had not been paid. I promptly called the mortgage servicing company and was told that it would be best handled by sending them the notice via the website portal. I did this and got a " acknowledgment of receipt. '' On XX/XX/XXXX, I got another notice that the taxes still had not been paid and that our property was turned over to the tax collector. I called the company and was again told that I should send the notice via the portal. I told them that I had done that already on XX/XX/XXXX and would do it again, but that I needed another level of help since nothing happened the first time. They gave me a " special email address '' to send the information to. I emailed them the notice and feedback with all of the detail above and again re-attached the notice. I again just received an " acknowledgement of receipt. '' Still nothing has been done about the taxes. Now, our sump pump has backed up and we need to file an insurance claim. Our insurance payment is also escrowed. I went to file the claim and our insurance has been cancelled for non-payment!!!!!!! So they also have not paid our insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Today is XX/XX/2024 and Select Portfolio Service has not sent my monthly statement, Or my annual mortgage statement. There are thousands of complaints about Select Portfolio Servicing not mailing out customers mortgage statements. I have filled complaints numerous complaints about this issue. I have a paper trail of illegal, deceitful, fraudulent acts committed by Select Portfolio Servicing. They have copied and pasted my name to fraudulent documents and forged by name to fraudulent documents. Select Portfolio Service is a corrupt company. The law requires that I receive my monthly statements, each billing cycle on time. As well as, my annual mortgage statement. I have never had and issue with receiving my statements, or annual statements until I had to deal with Select Portfolio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently contacted XXXX XXXX, to replace the floors in my Home. I was approved for a Loan with Wells Fargo and was told my monthly payments would be {$360.00}. The agreement was to pay on the XXXX of each Month. I signed everything and have not missed a single payment. I recently noticed a {$40.00} late fee for making a payment on the XXXX instead of the XXXX. I was honest and mentioned to the Wells Fargo Representative that I'm currently undergoing XXXX XXXX  and I requested to change my due date. Wells Fargo declined to change the due date until I pay them the {$40.00} late fee. I told them that I was not able to do so. Wells Fargo started calling to collect the " Past Due '' amount. I told Wells Fargo at that time that I had already made a payment. The Representative told me that she was calling to collect the payment for the following Month. I asked if it was ethical to collect a payment that was not due yet. She pressed on to collect the payment which was not due yet. I politely asked Wells Fargo to cease and desist any form of communication with me. Wells Fargo has since violated my request and they continue to call to collect a bill I have already paid. Prime example ; I was due on XX/XX/XXXX. I paid {$370.00} on XX/XX/year>. On XX/XX/XXXX, Wells Fargo contacted me to collect a Payment I have already paid.Why? I think Wells Fargo is disregarding my request and is engaging in intimidating and harassing me on purpose. I signed a contract to payoff the loan in 4 years. I'm 6 months into my 48 months. I need the bullying to stop once and for all.

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 2023-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Dispute of Account - Possible Fraudulent Activity Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the existence of an account associated with Portfolio Recovery Associates XXXX which is listed on my credit report. The specific details of the account in question are as follows : Creditor Name : Portfolio Recovery Associates Account Number : XXXX Date of Account Opening : XX/XX/ After a meticulous review of my credit report, I want to bring to your attention that I have no knowledge of this account, and I dispute its legitimacy. I have not opened, authorized, or engaged in any transactions with Portfolio Recovery Associates. 

The information reported, including the original balance, past due amount, and the status of the account, does not align with my financial activities or history. Given these discrepancies, I am deeply concerned that this account may be the result of fraudulent activity or identity theft. 

I am formally asserting that this account is not mine, and I firmly believe it to be a case of fraud. In light of this, I am requesting an immediate and thorough investigation into the origin of this account. I kindly ask for your cooperation in rectifying this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I was a part of the large Wells Fargo settlement because my car was Repossessed. They issued a check in the amount of {$5400.00} in my name and my ex-wife name. I am now divorced and have no ability to get in touch with my ex-wife so I can deposit the check. I called and explained myself and the agent said there was nothing they could do about it. They said I had 2 options the first was to get a hold of her so she can sign it, and the second was to wait 2 or 3 years untill the money had been sent to unclaimed money. I have tried to get in touch with my ex and she changed her number and Address... I even tried her daughter with no luck. The second option is not an option and I really need my money. I recieved a tax document showing taxable interest with only my name on it. Is there anything I can do to get them to issue me a check in my name? I have a divorce decree and everything.

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 2024-01-02
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my federal student loans in XXXX of 2023 to utilize the IDR adjustment per the Department of Education. My loan is serviced by Mohela due to PSLF ( Public Student Loan Forgiveness ). I am a social worker. I have XXXX counts toward PSLF preconsolidation. I have been making payments on my account. Mohela has my account 's {$0.00} balance. I have been transferred to Edfinacial although I am in the PSLF program ( certified ). I do not know my current PSLF count as the IDR post-consolidation has not been applied. However, now my loans have been transferred to XXXX when they are supposed to be with Mohela. I am extremely frustrated it is XXXX XXXX I have a mother on hospice I have done everything right and my account is continuously messed up. It is very upsetting, and draining and I can not keep spending hours tracking mistakes made by loan servicers. I would like my accurate information from Mohela and my loan information updated and away from XXXX as they do not service PSLF. I understand this is an overwhelming process for Mohela but I am not able to keep up with the mistakes. XXXX should not have any of my loans. I believe XXXX also placed me incorrectly with Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Two weeks ago I paid off my car loan with XXXX  XXXX. I canceled my bill pay and deleted all information. Usaa says that I have to get there approval to cancel any bill pay.usaa paid XXXX  XXXX {$1500.00} with out my permission now Ill have to Waite for 30 to 60 days to receive my money back.

Im wondering how many other payments are being paid out of my account by usaa that I havent approved. If you can please audit my accounts there at usaa. 
I thought it is my money but usaa says its theres to use as they see fit. 
This is tied to this XXXX XXXXXXXX open case 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 2024-01-25
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, CITIBANKS ARE THEIFS THEY ARE HOLDING MY XXXX XXXX  XXXX My funds was locked today for no apparent reason. They said they could not verify my identify for whatever reason but I had and still have ALL of my documents. This account is new even though I previously had an account with Citibank before joint with my dad. I made transfers to two different accounts from my XXXX sacs account but i wanted to transfer the funds i deposited in my citi to my XXXX XXXX  because I had to make a purchase in the process of giving me a cashiers check in my name they locked my account and said theres nothing that can be done. This whole experience is just traumatizing and extremely unfair. I just want my account unfrozen and my money released please thank you.

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 2024-02-06
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
My wife lost her job and we applied for a mortgage modification. We made the XXXX months of payments and were given the final mortgage modification agreement to sign. My wife since losing her job took a job with XXXX XXXX XXXX in XXXX XXXX. 

PHH states that they can only accept notarized paper signatures I submitted a document with notarized e-signatures and was told that I would have to have my wife mail a document from the village she is in to the US to get this modification accepted.

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 2024-02-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am not liable for this debt due to me never having a contract with this corporation also it is illegal and unlawful to attack someones credit report 42 USC 408, 15 USC 1681 which states I have the right to privacy and my credit should not have been attacked without written consent from me. They are also in violation of RICO for double dipping

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 2023-11-28
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX Mosaic allowed solar company to pull a draw to purchase equipment on XX/XX/XXXX. XXXX XXXX, has not had equipment multiple times for complete installation. Only have a few times the solar panels, no back up batteries ( XXXX ), sub panel ready. Workers showed up with only a few of the panels. I would not let them install because the work was so delayed and back up batteries were on back order as of XX/XX/XXXX. 
XXXX contacted Mosaic and XXXX XXXX multiple times with resolution. 
>> Contacted XX/XX/XXXX stating ready to install however, i have over XXXX interest for equipment at this point never installed. 
>> I reached out to XXXX XXXX by email with no response or follow up regarding concerns and resolution. Failure to install, missing permits, XXXX approval not verified. 
>> loan no XXXX >> installer showed up without all the equipment ; only had solar panels, not able to put online, no back up batteries for sub panel. Email XX/XX/XXXX completely misrepresented on XX/XX/XXXX >> permit was not filed until XXXX >> per loan documents. Freedom shouldnt have pulled over XXXX on XX/XX/XXXX for equip when it was not within 90 days away from installation and was not utilized to purchase equipment until recently. The permits have not been issued by the XXXX XXXX XXXX XXXX ; nor an approval from XXXX. Freedom is not supposed to pulling money from my line credit until 90 days prior to installation this is now 5 months and counting. If I have to file a complaint with Truth N Lending Act ( TILA ) and Consumer Credit Report act I will. As a VA and FHA government mortgage underwriter I am very familiar with lending laws as it is my responsibility as an underwriter to adhere to these laws whether it be consumer law or mortgage law. I worked for the largest solar lender XXXX and definitely know this is not okay to pull from customer line of credit 5 months prior to installation and make the customer responsible for interest and payments without product delivery. 
Laws and Regulations Truth in Lending Act Part 1026 Truth in Lending ( Regulation Z ) ( ecfr.gov ) provides access to the XXXX XXXX XXXX XXXX ( CFPB ) Regulation Z Truth in Lending... 
Credit Cards... 
Small Dollar Lending... 
Fair Debt Collection Practices Act...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
THE ACCOUNT OPENED UNDER MY ACCOUNT WITHOUT MY KNOWLEDGE AND IT WAS OPENED FRAUDENTLY

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 2024-01-30
Company: Netspend Corporation
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid card from XXXXXXXX XXXX XXXX XXXX and at the time of purchase I had loaded the prepaid card with {$500.00} dollars. 

On the day that I purchased the card I began having trouble with activate of the prepaid card and had made several attempts calling customer service, I was led to believe that the prepaid card would be activated in 24hours, I was told this about 4 times. Without any course of action to get the prepaid card activated. 

After 4 days without any corrective action from XXXXXXXX XXXX XXXX XXXX to simply activate the card so I could use the funds to pay bills that are now overdue

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 2024-01-26
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
A modification application was done in XX/XX/XXXX with Loancare saying that they had not received my check for the past due balance. I never got a letter from them saying it was denied etc. They said that they have never received any application from me which I have proof that they indeed received it. 

I received papers stating that they were going to file foreclosure process on me XX/XX/XXXX. During this time there were a filed modification which did not stop the foreclosure process. I filled out another one in late XXXX and XX/XX/XXXX, nevertheless I got a letter stating the application was incomplete. The foreclosure process in Texas was not stopped. I filed XXXX XX/XX/XXXX and I have not received any response yet. The forecloser process has never stopped During this whole time process. My foreclosure process is still active even though a modification is sitting at Loancare. They send letters and it's 15 days after the file date. Letting me know my application is incomplete. 
I talked to the loss mitigation department and they told me that they received my application and was working on it. Everytime I call I get a different answer. I have never gotten a email back from them or a text message from them even when I said that is my # 1 means of communication. They have violated Texas laws. I have been in contact with them to save my house because I was told too but everyone who works there gives me the runaround. My wife has XXXX  and the stress of this has made her XXXX worse. 
XXXX worse. 
LOANCARE is who the bank is with. They are awful for getting your information and they are not willing to work with you. My check I mailed is still missing. What happened to my 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