BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a direct deposit checking account with Wells Fargo on XX/XX/2023 to obtain a promotion reward of {$320.00} which they offered after 90 business days. The other requirement was to receive a total of {$1000.00} of more in qualifying electronic deposits to the new checking account within 90 business days. The account shows a deposit of {$1100.00} 0n XX/XX/2023 within the XXXX business day required period. 
Wells Fargo has now refused to give me the {$320.00} promotion reward to me. 
Their argument is that the time period was NOT 'business ' days ... which is the normal time of business ... but the time period was total days. 
Further, I have been a mortgage customer of Wells Fargo for 19 years. They do not consider that I am a long-time, consistently paying customer when refusing to give me the promotion reward.

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 2024-01-31
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XX/XX/XXXX I requested a review and paid the associated fee with XXXX XXXX XXXX ( the servicing company at the time ). I called many times asking about the appraiser coming to my home or the option of having my money returned. In XXXX of XXXX, after no solution and multiple contacts, I decided to reinitiate and again paid a new higher fee to have my home and account reviewed for the removal of PMI, no action from the servicing company occurred. In XXXX of XXXX, I was notified that my loan had been transferred to Newrez. After the transfer settled I contacted Newrez who confirmed that they saw the funds and requested PMI removal from the prior servicer ( XXXX XXXX XXXX ), however, I would need to reinitiate the request for PMI removal and pay a new fee with them. I submitted the required documentation and fee ( my bank demonstrates the check was deposited on XX/XX/XXXX ) and advised I would have a response in 30 business days. I contacted them the second week of XXXX and was advised there was no status update, and I contacted them today XX/XX/XXXX, again nothing showing on the status. Each time I called Newrez or XXXX XXXX, I was told they had submitted an inquiry on the status update, and that it was up to XXXX XXXX. As of tomorrow, XX/XX/XXXX, it will be a year, I have been attempting to get an appraisal or BPO for the removal of the PMI from the two servicing companies for over {$600.00} spent and no response to removal or not, and they have held the funds associated with the PMI request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They received my account and have been calling requesting payment from a bill that I never opened through them. Repeated calls from different numbers.

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 2024-01-29
Company: RoundPoint Mortgage Servicing LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Emailed attached document on XX/XX/XXXX. This company is very difficult to communicate with. Did not receive statements XXXX XXXX, called and emailed them numerous times about that. Have filed previous complaint when loan transferred, I was not notified about charges of which I was not previously notified. They required me to contact previous mortgage servicer, and obtain information which I did, and forwarded to them. While I was waiting for their review and explanation, they assessed late charges and someone named XXXX started calling and harassing me about bill collecting.

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 2024-01-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Specialized Loan Servicing OFFER IN COMPROMISE SETTLEMENT XXXX XXXX XXXXXXXX Based on the property tax bill I was provided by SLS in XXXX my property tax bill from XX/XX/XXXX to XX/XX/XXXX so far {$1400.00} have been over collected by SLS. There was a negative {$13000.00} for property tax bill provided by SLS its {$11000.00}. I have been over billed here too. 
PUBLIC NUISANCE WHICH SLS HAS NO RECORDS WAS PAID {$6200.00} IS NOT ESCROW ACCOUNT XXXX XXXX XXXX WITH THIS ON XX/XX/XXXX. ON XXXX PROPERTY TAX BILL {$3600.00} AND XXXX {$2600.00} WAS PUBLIC NUISANCE. TO MAKE IT WORST NO ONE HAS RECORDS FOR THIS. 
In XXXX payment of {$60000.00} was made by the state of which {$17000.00} was collected statement date XX/XX/XXXX. 
XXXX. Mortgage interest form XXXX reported to IRS shows {$3200.00}. 
XXXX. On CFPB response XX/XX/XXXX SLS stated they only collected {$1400.00} property tax. 
XXXX XXXX XXXX  took out {$73000.00} for principal interest and escrow. Property tax bill from XX/XX/XXXX to XX/XX/XXXX was {$11000.00} and should been all paid from {$99000.00} payment. Misapplied payment of {$29.00}, XXXX Based on my records, the total amount of money loss of {$60000.00} for which I am now considering state auditor to audit entire payment. 
With this above unresolved I do not {$60000.00} but {$29000.00} or nothing account should have XXXX balance. 
As a comprise I am offering {$30000.00} to pay off this loan and full in lieu of not filing new complaint for public corruption, fraud, financial mismanagement and requesting stated auditor to audit this account which states paid. 
Entire records of property tax bills, CFPB response and so on I was provided by SLS and XXXX XXXX XXXX  to provide. 
ALSO PLEASE PROVIDE ME ATTACHED BILLED ITEM INVOICE FOR THE SERVICE PROVIDED COPY TO VERIFY WHO PROVIDED THE SERVICE. EXAMPLE OF THE SERVICE PROPERTY INSPECTION COULD BE ONE OF THOSE. 
IN THE SAME PAYMENT HISTORIES BILLED ITEM TO ME XX/XX/XXXX PROVIDE ME COPY OF INVOICE THAT WAS BILLED FOR {$590.00}, {$510.00} WHAT WAS THIS FOR, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$25.00} EACH WHAT WAS THIS FOR, XX/XX/XXXX FOR {$25.00} XX/XX/XXXX FOR {$88.00}, XX/XX/XXXX FOR XXXX AND {$75.00} EACH BILLED TWICE AND XX/XX/XXXX FOR {$360.00}. 
Please have this offer of settlement no later than XX/XX/XXXX so I have time to decide about this pay off. I am also requesting you to remove {$25.00} and {$30.00} fee charged. 
XX/XX/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 2024-01-31
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My mortgage is current. I was behind XXXX  months due to medical + prescription costs and just got caught up. 

Shellpoint Mortgage Finances says I owe {$880.00} in Fees.

Shellpoint Mortgage Finance said they are unwilling to waive any of the fees. 

{$880.00} in fees is exuberant. Especially someone who had medical issues & subsequent problems paying their mortgage. T

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Loan/mortgage was originated approximately 10 years ago. All payments have been made prior to due dates. Insurance information has been provided as required. Approximately 2 months ago ( XXXX XXXX ), Newrez started billing for " lender placed insurance '' $ XXXX. When we received initial notification, we were told no insurance was in place for the property, a condominium. Both our insurance provider, XXXX XXXX, and us sent evidence of insurance coverage which has been in place under the current policy since XX/XX/XXXX and expires XX/XX/XXXX. Newrez sent a notice dated XX/XX/XXXX acknowledging receipt of insurance coverage and would get back to us within 5 business days to let us know if the provded coverage is adequate. As of today, XX/XX/XXXX, or XXXX business days after their acknowledgement letter, we have not received any information from Newrez. Today we called Newrez to find out if they made a determination. After nearly an hour on the phone with their customer service and insurance dept., we were told that they need a copy of the XXXX master insurance policy for the exterior of the property. to be brief, ( i ) no such notice requesting this information has ever been sent, ( ii ) there is no such provision in the loan documentation and ( iii ) we have never been billed for Lender Placed XXXX before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
the car loan was opened without my knowledge. The company is XXXX XXXX XXXXit was opened in XX/XX/XXXX XXXX XXXX. I sent them all information to have it removed immediately.

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: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Several charges were posted against my Citi credit card ( ending in XXXX ). These include : XXXX # XXXX XXXX XXXX DE, for {$100.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX XXXX XXXX, XXXX DE, for {$170.00} on XX/XX/XXXX I reported these as invalid/fraudulent on or about XXXX The card was cancelled and another one was issued ( current account ending XXXX ) After review I received notification from Citicards that 4 purchases were chip enable and since my card was not out of my possession these are not fraud. I have had this investigation reopened 2 times and am advise that it can not be reopened a fourth time. 
These charges probably represent gas purchases from the subject vendors and should have been flagged as suspicious. I do not believe I have been to those vendors in the past. I have certainly not been to them in several years. Furthermore I believe Citi is in error or deceptive stating the charges were chip enabled. Unless it is possible to counterfeit the chip technology there is no way that the charges could have chip enabled as the cards were in mine and my wife 's possession before and after those charges were encountered. Lastly Citi has not provided evidence that the charges were chip enabled, nor advised me of the time the charges occurred or if it mine or my wife 's card. At this time I don't have any of the needed information to refute there claims and the card is not providing the advertised fraud protection.

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 2024-01-23
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
After XXXX, I applied for a loan modification. I was approved. I made the first payment, then was told by PHH Mortgage there was no loan modification in place. Since the initial loan modification, I have repeatedly completed the paperwork. Every time, there is something more PHH needed, which I have provided. Now they are simply saying this is not an option and foreclosure is my only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX, 2023, I applied for an American Airlines Advantage credit card on-line through Citibank, XXXXXXXX XXXX XXXXXXXX. While I really didn't need a XXXX charge card, I applied only to protect my frequent flier miles totaling XXXX. XXXX sent me an email on XXXX XXXX, with options to protect my miles from expiring on XXXX XXXX, a credit card being the best alternative. Within minutes of submitting the app, I received a computer generated response of " We're unable to approve your application because we couldn't verify some of the information on your application ''. A like denial letter, dated XXXX, was received by mail on XXXX XXXX. Besides personal information such as d.o.b., the only 2 credit related questions were annual income and rent or mortgage payment which I answered, nothing else. The only way to answer them was to write them at CitibankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On the back of the denial letter, I wrote that if there was more required info needed that I missed, their system shouldn't have allowed submission. I requested that they tell me what they were unable to verify - be specific. Further I stated while they may not have violated ECOA, they have an obligation to assist applicants in obtaining credit. 

On XXXX XXXX, I wrote AA voicing my displeasure after I received another email solicitation from them to apply for a credit card which noted I had XXXX flier miles. To date neither has responded.

Since then I have looked closer at the ECOA rules. A couple of violations that stand out are " you're refused for a loan even though you meet all the requirements '' and " Indefinite or vague reasons a
re illegal to refuse you credit if you qualify for it ''. Simply put, to refuse ( or grant ) credit based on incomplete information without attempting to obtain it, is a poor way of doing business. I have had perfect credit for over 55 years and have no debt except a small charge card I pay in full each month. My home is paid for and I have considerable assets. After applying I was offered a free identity monitoring service from my bank due to a breach. I learned that my XXXX XXXX XXXX was XXXX after enrollment.

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 2024-01-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to receive a refund regarding a purchase for {$20.00} on XX/XX/2023 that was not delivered by XXXX XXXX. I tried multiple times by chat and by phone to be refunded by XXXX XXXX  and was told the order was not eligible for a refund. I then started a dispute with Citibank. XXXX responded by sending Citi a copy of my receipt and no proof they delivered what was ordered. Citi now says Im responsible for the charge and to contact XXXX for a refund. I have photo and video proof that what I ordered was not delivered by XXXX driver. I also have copies of correspondence with Citi. 

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 monetary relief
Consumer complaint received 2024-01-27
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX XXXX student loans were opened with Sallie Mae, through the guidance of the XXXX XXXX XXXX XXXX of the loans was in the amount of {$6400.00} ( loan ending in XXXX ) and opened on XXXX XXXX XXXX XXXX, meanwhile the other was for {$5600.00} ( loan ending in XXXX  ) and opened on XXXX XXXX XXXX XXXX. The total originating balance was {$12000.00}. * Coming out of school, I started work making less than the national median, and had difficulty beginning the payback process, to which Sallie Mae provided hardship assistance for the first year of the required payback period. through the loan modification they provided, my initial principal balance increased, however, once the hardship lifted and credit reporting became a valid reason to begin payback, I started to repay my balance. To date, I calculated the amount paid back to Sallie Mae is approximately {$10000.00}, meanwhile as of XXXX XXXX XXXX, the current balance for loan XXXX  is {$8200.00} and for XXXX  is {$6500.00} making the total current balance {$14000.00}. * To summarize, the loan balance started at {$12000.00}, I've already paid XXXX, and it's currently {$14000.00}. On top of this, the harassing collections calls over the past XXXX years have made a poor situation even worse, and I encourage you to listen to any and all recordings attached to my file, as many of them will display my grievances towards this whole situation. I need help in fighting this balance, as there is no way I can defend myself against an unfair contract, in the general benefit of the business against my finances. This might look like a valid model on paper, but in reality, it has completely crippled my financial life, and there is no end in sight. To think how many other people have contracts like this, and how much money these companies are making off of students, explains much of the financial problems that this country as a whole is facing. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28
Company: Netspend Corporation
State: MN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Netspend sent me a debit card, with a valid magnetic strip and number that appears non-generic, without me having previously done business with the company, and without my permission. It was my understanding that sending payment cards thru the mail to unsolicited recipients was unlawful.

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 2024-02-06
Company: Experian Information Solutions Inc.
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:
XXXX Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, and questionable items that your agency didn't make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 16811e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 percent accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 percent accurate under 15 U.S.C 5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports You are in violation of the FCRA and can result in legal action if this is not 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 explanation
Consumer complaint received 2024-02-06
Company: Clear Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collectors, Clear Recovery Collection is supposed to call me before they withdrawal any funds from my account that was the agreement and they don't have a judgment/lawsuit against me in this debt. They took money out of my account without contacting me to confirm payment. I've been paying them every month for the last year plus. Every single time they've called and confirmed that I am authorized them to charge my account one time. Until this month I received no phone calls and no notice of a pending withdrawal from my bank account without my permission or a judges ruling. There isn't anything far as I know being filed in court for collections of this debt. I don't understand how they can garnish my checking account without a ruling from a judge to which I have not received a court order. So their legal standings to withdraw from my account, without my permission. Is as far as I've gathered reading the laws they're violating my rights for fair treatment for this debt I've been paying. 
Again The name of the company is Clear Recovery Collections.

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