BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sent my balance to collections. XXXX XXXX was supposed to cover the cost of that semester through the GI bill. I cant control what, when amd how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school. 

I spoke with a rep today and was informed that they the collections even though I am paying the school directly. Then what is the point of a collections agency if I am paying the school directly. The rep also OPENLY ADMITTED that they did not received anything from the school other than the INCORRECT balance owed. No info about my XXXX staus, no info on my contract with veteran affairs not info on my financial hardship. im paying the school 2-3 per month. CONSERVE needs to be removed they serve no purpose other than aggravation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: DHI Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I entered under contract with XXXX. XXXX XXXX XXXX to purchase a new home. They offered a promotion at the time in which new buyers were to receive {$5000.00} towards their home, and additional money towards closing cost if they were to utilize XXXX. XXXX mortgage ( DHI Mortgage ). 

I agreed to the latter and discussed acquiring an FHA back loan, which necessitated for me to provide 3.5 % of the closing cost for the home ( roughly $ 13K ). I was pre-approved for financing, and provided the necessary documentation to complete the mortgage, and received a locked in mortgage rate of 2.75 % and signed the documentation to lock this rate in up into and through close, so I thought. 

Roughly one week prior to my closing date of XX/XX/XXXX, I received a call from the lender that I was unable to be underwritten, due to a gap in employment. I had provided information pertaining to the gap, as well as numerous other documents pertaining to my current employment, child, business bank account etc. Subsequently, the lender stated that he/they would be able to get me into a conventional loan, which would require that I put an additional {$7000.00}, for a grand total of $ 21K and I had less than seven ( 7 ) days to come up with this money, or my house would be sold to someone else. On top of this, I learned that my rate would change and when I inquired as to why, I was told because " I went from an FHA back mortgage to a conventional. '' In between this time, I was sent a very vague document in regards to a " interest rate promotion '' that the builder was offering, and the letter was back dated to the date of the original signing of my home. I inquired as to what it was, and was told that it was to lock in " a rate. '' I closed on the home on XX/XX/XXXX and throughout signing the document I was curious as to why my rate was now XXXX XXXX. Roughly one week after moving into my new home, my lender through the DHI Title Agency, sent me a copy of my Special Warranty Deed as well as a copy of a XXXX. On the latter document, it displays the term on my loan in line 13, which reads as follows : Term : Fixed/ Interest Rate : 2.750 %, No Balloon Payment and seller concessions and has my wet signature. My loan was subsequently sold to Fannie Mae, and the loan servicer is XXXX XXXX XXXX on behalf of XXXX XXXX, but disappointingly, I'm paying a 2.99 % rate, instead of the 2.75 %.

That .24 % difference adds up over a course of 30 years, and would have undoubtedly lowered my payment. When I complained about this, it went unheard as they were more concerned about their review/rating that I had provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
date XXXX the amounts of credit extended XXXX to wells Fargo auto I have send a letter to resolve the issue they fail to respond to the letter or to open the account that is all ready been credited by my open end consumer credit plan 15 US code 1602 J this entire process has been unfavorable me they have discriminated against me.

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 2021-02-04
Company: Penn Credit Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received yet another ping notifying me of my credit score decrease. I open to look into the situation and see that tbis company has reported me 4 times once on a weekly basis to the credit bureau for the same account. I called to discuss the situation at hand and asked specifically if i could speak to a supervisor or manager. XXXX introduced herself as one. After explaining the situation at hand to her in refernwcing to her recurring reports for the same account on a weekly basis. Her response was, " Yes, we are allowed to do that. '' I asked her if she was sure because I tought that it was suppose to be 30 60 90 days and she told me not so. They are allowed to report this on my credit weekly. I responded fine and began to do a little research and have not come across any changes specifying this action. So I called back and spoke with a gentleman this timw. Gave him all the requested information needed to bring up the account in which we did and was able to look into the situation. And he was more focused on retriwving my social security number and update my information rather then address the fact that they are continually report the same account on my credit which has affected my score. So I told him to have a nice day and I will be reaching out to you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: IL
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:
It has come to my attention that XXXX Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and Experian without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made XXXX Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things

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 2019-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an account with fifth third bank, where students aren't supposed to have a monthly account fee, but I brought them proof I'm a student and they still charged me the fee, I called them up about it and they said they can't help me. Also when I opened the account I was offered {$250.00} for leaving {$500.00} in there for 60 days, but now that they charged me a fee my balance went under {$500.00} so I can no longer get the bonus ( because of a mistake they made ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 I received a letter from Citi. That they accepted the debt management proposal. However, I never enter in a debt management program. My daughter XXXX XXXX did in XX/XX/2023. Now she was only an authorized user thats it. Im the primary card holder. So the debt management must of sent a letter to Citi. However, instead of ignoring it. They cancelled my credit card but Im the primary cardholder in good standing. Also, when I called I would get to call collections when my card is in good standing. So today on XX/XX/2023 I called Citi collections and they tell me I have to call the debt management company to remove this request. But I have no account or any communication with this debt management company. This is Citi error because they should of not canceled or closed my account because an authorized user has not authority over a primary user account because it on my credit, my name and my social security. When XXXX tried to tell Citi Collections rep on their mistake. She keep referring me to call the debt management. 
I cant talk to them I have no services or account with this unknown company. Why should I fix Citi error. Now this mistake dropped ky credit scores because they closed my account and now it shows in a payment plan when I never request this. I tried to talk to a manager and the rep didnt want to connect me to one after 7 times I asked and demanded she put me on hold for 10 minutes and stated no manager wants to talk to me. That I need to fax a letter. I told the rep Citi in violation of the XXXX rules and no authorized user can canceled the primary holder credit card and Citi can not used an authorized user debt management program to override the primary card holder credit card. I tried to get this fix and explained that this is Citi error. Debt management did their part to give notice and Citi only had to do is file the letter and do nothing because it didnt pertain to the credit card primary holder. 
Citi is probably doing this error to other clients as well. I want some form of action and some investigation because my credit was affect and my credit card rights were violated Thank you, Primary Credit Card Holer

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 2019-05-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have an investment property loan that is serviced by a company named Shellpoint Mortgage Servicing. Shellpoint frequently sends me letters requesting evidence of insurance for the properties covered by the loan. Each time I receive the letter, I immediately notify my insurance agent and request they provide Shellpoint evidence of insurance. There have been several instances where evidence of insurance has been provided to Shellpoint, and I am still unfairly charged for a lender placed policy, and I have evidence of this in case you would like to review it. I spend a substantial amount of time on the phone with Shellpoint customer service, trying to prevent them from unfairly charging me for lender placed policies. I feel that they send these letters requesting evidence of insurance very frequently and often do not correctly process the evidence of insurance when it is provided so they can earn extra revenue from lender placed policies. It is undoubtedly a shady practice that should be more closely regulated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made multiple phone calls regarding deferment XX/XX/XXXX - I spoke with XXXX regarding Loan Modification and I was told that the new APR would be around 2.75 % but the loan will be extended to another 30 years. She confirmed that the forbearance ends XX/XX/XXXX. 
XX/XX/XXXX - I spoke with XXXX who told me I need to sign the expense statement and provide a copy of most recent paystubs within 30 days XX/XX/XXXX - I spoke with XXXX. We discussed the OPTION of DEFERMENT as I DECLINED the loan modification that was sent to me because the APR is STILL > 4 % plus the loan is now 40 years. IT DOESN'T make any sense whatsoever. XXXX confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX. he said there are no other notes in the system. He said he will escalate the situation to a supervisor and to call next week to follow-up XX/XX/XXXX - I spoke with XXXX who said EVERYTHING IS SUBMITTED but there is no decision yet and they haven't reached final terms. He confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX who transferred the call to XXXX. She said the case has been escalated on XX/XX/XXXX for deferment review but the case is closed XX/XX/XXXX. She was not able to find out why. She couldn't get a hold of a supervisor so she asked me to call next business day. 
XXXX - I spoke with XXXX from loss mitigation who said THERE ARE NO NOTES AT ALL REGARDING DEFERMENT. He " advised '' me to sign the loan medication sent before so they have something in writing that I declined it. I don't understand why when 3 other people before him confirmed that the deferment request has been sent! I asked to be transferred to a supervisor but NO ONE IS AVAILABLE. 

Every time I ask to speak with a supervisor no one is available. NO ONE ever called me back to give me update. Their Customer service line doesn't have an option to speak with anyone unless you pick the option for payment with an agent. No one seems to be available to help me and I am getting very anxious since forbearance is ending soon. I can not pay > XXXX at one time to get the account current.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2018-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  had purchased an account from XXXX and put it in collections. I received a summons from the law firm they hired XXXX. we came to a settlement agreement which I will attach. I fulfilled the terms of the agreement however the XXXX account is still showing negative instead of paid on my report. I made all communication with portfolio and XXXX through email, but now when I email portfolio about this they only give me a number to call. I have made several attempts with portfolio to have this corrected and to get it reported correctly with XXXX to the bureaus, but they have not been helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America offered a two different balance transfer promotions for the same BANKAMERICARD. One promotion offered 15 months of 0 % interest and no balance transfer fee. Unbenkownst to me, I applied for the same BANKAMERCARD that offered a different promotion that was 18 months of 0 % interest but WITH a balance transfer fee. I only becasme aware of the balance transfer fee after the balance transfer. I contacted Bank of America and explained that I had intended to apply for the other promotion they advertised, that I was unaware that I had applied for a different promotion for the same card, and that I wanted the 15 month with no transfer fee option. Despite contacting them within days of applying for the card and the transfer, Bank of America customer service told me there was nothing they could do and I would have to pay the {$150.00} transfer fee. Bank of America 's promotions of separate offers for the same card is misleading and its refusal to address this is in bad faith.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-07-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
( Pls note that it takes at least 1-2 hrs of waiting on the phone to reach anyone in HSBC Dispute Dept.  ) On XX/XX/XXXX I notified HSBC dispute department re an amount of {$600.00} that I wanted them to put into dispute. I then received a letter dated XX/XX/XXXX confirming that HSBC had followed thru and temporarily credited my account {$600.00}. Then on XX/XX/XXXX, I went to court about the dispute and the Judge ruled in my favor that the {$600.00} ( plus court costs ) should be paid ( back ) to me by the defendant. I immediately notified HSBC dispute department ( on XX/XX/XXXX ) by phone that the court had ruled in my favor and to please keep the dispute amount credited to my account. The Dispute dept. rep. also told me to write an email explaining everything to HSBC along with copy of the court document, which i did immediately. In my email, I stated that esp. because of winning my court case, they needed to keep the disputed amount credited to me. However, despite all of this, I received a letter from HSBC dated XX/XX/XXXX, that " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to purse this matter further. We have placed this charge back on your account. ''!!! I immediately called HSBC Disputes - spoke to the same rep again, and asked why HSBC HAD COMPLETELY IGNORED THE LEGAL DOCUMENT/PROOF AND MY REQUEST! The rep said they had incorrectly interpreted my email!!!! And without even bothering to ask me, decided to put the entire charge back on my account!! The rep then said I should write yet ANOTHER email telling them why THEY had made the mistake!! But then, a week later, i received a final letter from HSBC dated XX/XX/XXXX basically saying that it was too late. The defendant had cashed the money and " We have removed this item from dispute and consider it resolved. ''!!! NOW, I have started to pay legal fees to recoup the money and don't know how much I will eventually have to pay to get the money back. So besides this complaint I AM DEMANDING THAT HSBC START COMPENSATING ME FOR THE ADDITIONAL LEGAL FEES I MUST NOW PAY ( beginning with {$43.00} ) - FOR WHAT WAS A COMPLETE & UTTER FAILURE ON THEIR PART! How does such a major bank have such a dangerously incompetent Dispute Dept.???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The original balance was {$2100.00} and I paid $ XXXX  monthly for over a year. The account was opened pre-pandemic in XXXX and in XX/XX/XXXX because of the pandemic my salary was reduced by 10 % and I couldnt keep up with the payments. I tried to make arrangements for a lower amount and it was not accepted. I was willing to make smaller payments during the pandemic until my salary was restored. The original creditor ( XXXX ) sent the account to collection without my knowledge. I recently noticed an entry in my credit report for a collection in the amount of {$2900.00} which is more than what I owe. I did receive a threatening message from the collection agency about a week ago stating they have all my information and will show up at my place of employment or at my house and even called my Mothers house giving her details. Most people during the pandemic suffered losses and my intentions was never to NOT pay whats due and this is why I had already made over XXXX consecutive payments on the account. I think the collection agency is taking advantage of the pandemic knowing most people suffered some type of loss. They want to hurt people by adding a collection in their credit report which is not fair.

Company response to consumer: Closed with non-monetary relief