BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my property in XXXX of XXXX. Through XXXX XXXX. I ha a first and second. I was denied at first and within about a day or two after the denial they sent another correspondence stating that I was approved. ( I still had my mortgage on the XXXX XXXX XXXX XXXX XXXX, Az ). I was shocked as I did not sell that property and had a mortgage on it and purchasing as a single individual. In XXXX the market fell apart. I tried to modify my loan and it took SPS ( Select Portfolio Services almost a year to complete my MOD ) Shortly after my arm came due and they set my interest at 7.5 % making py payments go from XXXX to XXXX. When my loan was modified I assumed that both first and second was modified. Once my modification and ARM was completed I was only paying one payment, ( XXXX.aprox. ) Until the pandemic. Last year I contacted SPS and advised them that I had not received any type of commission from XX/XX/XXXX to XX/XX/XXXX. I then started my modification with them and they just keep requesting more and more documents each time. I would submit my documents and they would ask for the same documents; stating that the time had expired. In the meantime I received a letter from XXXX XXXX stating that I had a second lien that I was not paying on. I tried working with them and received no response. Once I got to talk to someone, she advised me that it was not XXXX XXXX, that I should be talking to but to XXXX XXXX. I then contacted XXXX and told them I was corresponding with XXXX  and they did not care. They placed a Foreclosure date on my home. I called, I begged them to give me some time to research and work this out and again they transferred me to one person to the next. No help whatsoever The foreclosure date was then changed from the XXXX to the XXXX. I called and they stated to me that the property was reverted back to the bank. There was not a sale. Since then I have not received any correspondence from XXXX XXXX, XXXX XXXX until yesterday when I received a letter form XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, .XXXX XXXX XXXX XXXX Florida XXXX giving me 5 days from the date of the letter ( letter dated XX/XX/XXXX ) to vacate the premises. I have been looking for a rental for the past four weeks. Arizona 's demand for rentals is high so it is taking longer to find a home. I have a home filled with my belongings that I have accumulated for the past 40 years. 
How can I move in such short notice. They can have my home. It is a material possession. My well being is more important than a home. Houses come and go. I just need at least a month to find a place to live. It also takes money to move. My life will continue and I hope that just as I feel I can live with myself ; I hope that all the parties involve can say the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Customer of Wells Fargo between XXXX and XXXX. Was charged for Gap Insurance, would like to know if I qualify for the settlement.

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 2023-02-02
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The first complaint I have with Capitalone is On XX/XX/XXXX I made a payment of {$50.00}. My due date is every 1st of the month. When I check two days later I noticed they returned my payment on XX/XX/XXXX and charged me with a late fee of {$35.00} that same day. I called customer service and their reply was that I should have been paying more attention to my bank account to see if the money was taken out. I did not pay that month because I have been having a financial hardship due to a medical reason and was not able to make the monthly payment and the late fee at that moment. Later that month on XX/XX/XXXX, I received a call from a Capital One representative and I explained my financial hardship and she came up with a deal so that I only pay {$46.00} a month for three months to get my account in good standing. Also instead of paying on the first of the month I would be paying on the tenth of the month. I asked her very specifically and I asked her more than once if I had to pay my upcoming bill on XX/XX/XXXX and she answered no. When I go to make my first {$46.00} payment on XX/XX/XXXX I see I have a late fee of {$40.00} for not making a payment on XX/XX/XXXX. So I called customer service and they tell me there is nothing they can do and that the late fee was already in process when I made the deal. I still mad an online payment of {$47.00} on XX/XX/XXXX because of the fear that I would get another late fee for not paying before XX/XX/XXXX. But the deal didn't seem to happen because my due date is still on the first of the month and it keeps going up and up. The amount due is now is {$140.00} and it is not something I can pay with all the late fees. I requested a credit card agreement to see what agreement we have and I never received it. I have been having problems with them for a while now but this is the worst it's gotten. There is always an excuse for everything instead of solving the problem. For example, no one even checked on the {$46.00} agreement I made with the customer service rep I made that day. The late fees and missed payments are affecting my credit score with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
On today XX/XX/2023 XXXX XXXX XXXX  came to my residence @ XXXX XXXX XXXX XXXX XXXX Pa XXXX. Stating that he wanted access to my roof because my residence was sold to a XXXX at the XXXX XXXX XXXX on XX/XX/2023. In which I knows absolutely nothing about and theres supposed to be some kind of Loan Modification Agreement between myself and Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I contacted collection agency Hillcrest Davidson & Ass that has reported on my credit report something I owe that I have never received a bill or statement for, nor received any phone calls. They said they had a signed copy of the agreement and would mail a copy to me or have the company that sold the account ( XXXX  ) send me the agreement today on XX/XX/2021 I still have received nothing by mail or phone calls. I also called the " original '' debtor and they said they have no record of me having an account and I called twice to verify on XX/XX/2021. Then I called Hillcrest Davidson & Ass collection agency back and left a message on XX/XX/2021 and three days later still have not received a call. So I still have no proof that I signed any contract for this debt nor is anyone assisting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I had a statement balance with Comenity Wayfair of {$1900.00}. On XX/XX/XXXX I made a payment of {$1900.00} and requested a {$41.00} late fee to be removed since my payment was only 4 days late. In theory, my balance should have been {$17.00}. Since that time, I have not made any purchases from this company. Nevertheless, each month they have been adding an additional {$41.00} plus interest to the amount owed each month since. 
On XX/XX/XXXX, I sent a letter stating that my online statement showed a balance of XXXX due. However, the printed statement sent via USPS indicated a balance of {$210.00}. In response, the merchant sent me a letter instructing me to call their customer service, who refused to help and only wanted to collect the full amount. 
I refuse to pay {$41.00} per month for a balance that should not have been anywhere close to {$210.00}. 
On XX/XX/XXXX I sent another letter to the merchant with the same dispute. This time I received no reply. 
My balance is now on the XX/XX/XXXX statement reported as {$410.00} and I am shown as being over 180 days late with my payments to the three credit bureaus. 
I am unhappy that this merchant is stating I owe {$410.00} despite having paid {$1900.00} of my total balance of {$1900.00}. And have made no additional purchase from them since XX/XX/XXXX. Charging me {$41.00} per month on a small balance is unacceptable and now has caused my credit scores to drop over XXXX points. I am hoping for resolution and the removal of negative reporting to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries on my report Im not familiar with I contacted the creditors & bureaus I have not heard anything after like 43 days man I dont know whats going on. I need these inquires looked at and removed ASAP.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$2.00}

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 2023-02-01
Company: Harley Davidson Financial Services Inc
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last two months, Harley Davidson Financial Services has called me 125 times ( 53 in XXXX, 72 in XXXX ), In the last week alone, they have called me 33 times. At the time of this writing, they have called me 5 times today. Four of those calls were between the hours of XXXXXXXX XXXX and XXXX XXXX. I typically work 8-12 hours shifts between the hours of XXXX to XXXX. I can not answer my phone at work unless it is official business or an emergency. At this point, I consider this HARASSMENT by a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
On XX/XX/2023, I paid my mortgage as usual with Freedmom Mortgage, but when I checked my account on XX/XX/XXXX, I noticed that the mortgage payment had not been deducted. Worried, I immediately called the mortgage company but the call was disconnected after the automated service stated that a payment was made on XX/XX/XXXX. This was not enough information for me, so I called again on XX/XX/XXXX and spoke to a representative. The representative informed me that my bank had reversed the payment and that I owed a late fee. 

I was confused because I pay all my bills from the same checking account and I have never missed a payment or been late before. Moreover, the mortgage company had increased my mortgage back in XXXX or XXXX, even though I have a fixed rate. This had already led to an incident in XX/XX/2023 when my payment was not processed because I did not listen to the confirmation number in its entirety. When I called back in XXXX, the representative told me that it was my fault, which made me very angry, but the representative stated she saw where I made the payment and honored my on time payment. 

During my call on XX/XX/XXXX, I insisted that the mortgage company was at fault and asked to speak to a representative while having my bank on the phone. The bank informed us that they never received anything from the mortgage company. However, the representative still told me that I owed a late fee. This is not fair to me as a loyal customer who makes payments on time. I have worked hard to purchase this home, and my elderly mother lives with me and I am not going to put my family in jeopardy as the United States of America is in a housing pandemic. 

Moreover, whenever I reach out to the mortgage company, a representative tries to persuade me to refinance my loan which I have refused several times. Unfortunately, on some occasions, I had to deal with a rude gentleman who talked down to me and belittled my character. He even went on to imply that I could not afford anything apart from an FHA loan. However, my credit score was good enough to secure my home and I strongly believe that I deserve to be treated with respect and dignity. Thank you for your attention to this matter. 

I have provided screen shots from when I called the mortgage company to pay on XX/XX/XXXX and the calls, thereafter. Thanks 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 2021-08-27
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My parents purchased a XXXX back in XXXX through XXXX XXXX  XXXX. My parents passed away in XXXX and XXXX respectively and the XXXX had been paid off for more than a decade. I received the title to the XXXX but when I went to get the XXXX registered and tagged they noticed a lien on the title from XXXX XXXX  XXXX. 
I know the XXXX was paid off in XXXX. We called and tried to get release letter from XXXX XXXX  XXXX. and found that XXXX XXXX  had been taken over or had merged with US Bank and US Bancorp. So we called and spoke to them numerous times and someone in there customer service dept admitted that they screwed up. She told us that she would send the release letter out right away and we should receive it in 7 to 10 days. That was three thru six months ago.We continued to call and each time I had to go over the same story which included the death of my parents, not only was it frustrating but I had to keep reliving my parents death each time I told them what happened. For six months they promised the letter was in the mail and that a mistake was made on their part but nothing was ever done and no letter was ever received from them. We haven't been able to tag or register the XXXX because of their inconsideration and constant lying about sending this release letter. We were referred to you from FDIC and don't know what else to do. How can a bank get away with this for so long. We must have talked to 20 different people who made promises but never delivered.

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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 woke up to numerous accounts on my credit report that I have no connection to.I immediately called Transunion and was informed I had to file a FTC report. So I then filed a FTC Report ( FTC # XXXX ) and sent it to Transunion via USPS. Transunion received my complaint and still has not removed the fraudulent accounts. They are taking advantage of me as a consumer and dragging their feet with removing these account. 15 USC 1681c-2 states Block of information resulting from ID Theft within 4 days. It has now been 7 days and the fraudulent accounts are still on my report. My score has dropped over 100 points due to this.

Ive satisfied all the requirements pursuant

to 15 USC 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant to 15 U.S. Code 1692k-2 ( a ) im seeking damages in the amount of {$1000.00} per account being reported after the 4th day of receipt of my dispute. There are a total of four accounts and 3 inquiries illegally being report after receipt of my complaint, totaling {$7000.00}.

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 2023-03-02
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland mortgage company committed deception during the last complaint I submitted through CFPB. Case # XXXX. Midland mortgage company claimed that the remedy was monetary relief but no monetary relief was ever given to me nor was it distributed to the account I have with them. They lied about the relief and they never fixed my delinquent taxes. Why was the case closed when they didn't do anything to fix the problem or address the concerns!!

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 2023-02-18
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been banking with the same bank for many years and I recently closed my credit card because of it being so high and I wanted not to use it. 
since I closed it in XXXX of 2023 I noticed I have been getting 2 finale charges per month. 
1 of them is on cash advances which I understand but being charged over {$200.00} total in 2 months for a cash advance on {$400.00} is ridiculous. 
im XXXX XXXX XXXX and live on social security. 
this cant keep going on or I will file for bankruptcy

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 2023-03-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 my card was somehow used at an atm machine in a different city and they took out XXXXXXXX XXXX Ive had my card with me at all times and I was home the same day they took my money I submitted a dispute and it got denied I was asked to write to them so I can receive the documents they wouldnt give me any information on the phone regarding there decision they said I had to write a letter so I did and I havent heard from them its been almost 2 months and still no information regarding there reason for not refunding me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Amerisave Mortgage ( XXXX # XXXX or about XX/XX/2021. I was assigned a loan XXXX named XXXX XXXX ( XXXX # XXXX ). After reviewing the loan docs, I had become suspicious of the amount of fees being charged on the loan. So I applied elsewhere. The second lender was almos {$8000.00} less in fees. I then asked XXXX if he could match or beat the new quote, and he said he could. He uploaded new disclosures in my portal for me to esign, matching the rate of the new quote but still showing {$6000.00} more in fees, expecting I would not to notice. When I approached XXXX on this, he called me, became defensive, and started backpeddeling, saying that I needed to sign the docs, then he'd get me a match on the fees. That certainly didn't feel right. He then said " he'd have to talk to his manager for approval ''. When I asked to speak to his manager, he replied " look up my NMLS number! I don't need your business, I'll just cancel your loan! ". I assume he was trying to strong arm me into signing, which I did not. I can only imagine what he's done, and continues to do to other trusting borrrowers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation