BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-27
Company: Netspend Corporation
State: IL
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Went to XXXX in XXXX Illinois on XX/XX/XXXX " with a positive pay '' check ( {$4300.00} ) Its required to be verified before cashing. So since the check had XXXX on it i decided to go there to avoid check cashing fees. The teller attempted to cash the check before verification which kicked the check out as fraud. She then called to get the verification code which they provided her with which allows the bank ( XXXX ) to be paid. She then attempted to cashed the check again which came back as fraud again. There was nothing she could do therefore I left XXXX and called my issuing bank ( skylight financial/ netspend to void the check. Long story short the check couldn't be voided due to XXXX was provided the authorization code which entitled them to the funds. Well they ( XXXX ) did receive the funds on the XXXX of XXXX but and returned it on the XXXX since I was not their customer. 
Well today is XX/XX/XXXX and my issuing bank ( skylight/ netspend says nothing was returned to them. l 've been to XXXX several times since aswell as called skylight/netspend several times with no help. Those funds were a loan from my XXXX tax refund and my family is in dire need we are now facing in Eviction from our home. Please help!

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: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I submitted a request for a modification of my loan on XX/XX/XXXX on company website at which point I received an email stating that they will be contacted within 45 days, to date the I have received two letters asking me to call them for a required interview. I called the company both times and each time was told that its an auto generated letter and that I did not have to worry about an interview. I asked the first representative for a status and again got a general reply that my documents were received and will be processed. I asked the agent to check that is was being processed and she found that my file was never processed. She submitted an escalation and on XX/XX/XXXX and was told they had 45 days from XX/XX/XXXX for them to process it. I called again after 45 days and was told the file was still in progress. on XXXX/XXXX/XXXX I spoke with XXXXXXXX XXXX XXXX XXXXXXXX, told me that request was still pending. I called again XX/XX/XXXX spoke with XXXX who was kind enough to look further into why the hold. after a 20 minute hold she came back on the line only to tell me that although my file has been escalated several times it remains untouched. She was going to file yet one more escalation took down my number and promised she will call me back. Today is Friday and still I have not heard from anyone nor have I received any correspondence from my mortgage servicer XXXX with any sort of communication. Not by phone, email or mail on the status of my modification request. 


Please help me with this. I am afraid they are dragging out this process so that they can come back to me with predatory modification options to make me lose my current low interest rates or offer me a much higher XXXX, My income has decreased substantially and I have incurred major expenses of repair on my home and car that have set me back quite a bit. I am am asking for a modification to retain my current rate and either lower my current monthly payment or bring all my current outstanding balance to the back of my loan and keep my interest rate and monthly payments in tact to allow me to make start making payment moving foward from the approval of my modification.

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: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was appointed to my XXXX in XXXX by a judge, I can not rent a new place anywhere due to this XXXX and debt it's crippling. The reason for XXXX and debt was damages caused by my XXXX, and her XXXX me after after committing XXXX XXXX against me. This is why the judge appointed this debt to her. She was a cosigner on the lease of the place before she was removed due to my XXXX XXXX requiring it be so. I am unsure of what do and need help the debt collection agency will not assist even after being provided my XXXX documents that state this debt is no longer mine

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 2024-02-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The Bank Provided the information I filled it out and they have been giving me the grand run a round sense. Wells Fargo bank stole my truck by repossision and niw they say they dont have any records anymore they threw them away. They never should have been allowed to handle the paying back of money we were robbed of. They gave me XXXX and I was out XXXX and had to file bankruptcy and they have not even fixed my credit as they said they would.

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 2024-02-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized cash withdrawals from my Citibank savings account occurred on XX/XX/2023. There were two fraud withdrawals : first of {$1000.00} from ATM and second of {$5000.00} from bank teller all in cash. After the first withdrawal of {$1000.00}, I immediately went to a branch and notified a banker at the branch. While I was physically present in the branch and talking to a banker, the second fraud withdrawal of {$5000.00} was done at another branch. The savings account was immediately blocked and the transaction was disputed. I also filed a police report at a local police station. However, Citibank has denied my dispute of the {$5000.00} fraud transaction twice on the grounds that it was not fraud. Citibank has the video evidences of me physically present in the branch and of the person impersonating me and committing the fraud at another branch. I have also provided Citibank with the name and information of the banker who was with me while the second fraud of {$5000.00} happened. Citibank has enough information to prove this is an unauthorized transaction but is refusing their responsibility to investigate the fraud case fully and to refund me the lost amount of money due to this 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 explanation
Consumer complaint received 2024-01-28
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A check was deposited for the amount {$5000.00} on XX/XX/2023 in my account it was cleared and on XX/XX/2023 bank closed my account and said you will get this money by cashier check in the mail. Now its more than a Year and bank is saying that we will send this money back to sender but after visiting branch many times banks is not sending money back. I want this money back to me or sent back to the sender. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. Please help us to get our money back. Thank you My Details : - Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-28
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/ I attempted to open an account with " XXXX '' online banking service, and was denied without notification as to why. The parent bank is " XXXXXXXX XXXX XXXX XXXXXXXX ''.

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: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian lying again an closes the complaint without addressing the issue and giving explanations that are ridiculous

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: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I used my Wells Fargo credit card to load money into my XXXX account. I did not realize this transaction would be a cash advance, and would be charged interest as such. Wells Fargo did waive the initial cash advance fee and interest fee, which I appreciated because I made a mistake, however, I asked if all I needed to do was to pay my next statement balance in full to avoid paying any future interest, they said yes. I received another interest fee, due to the standing cash advance, which they waived again, and then I immediately paid of my whole statement in full to clear both cash advance and general credit card balance. Here is the issue, there is no separate line item in my Wells Fargo mobile app for current cash advance balance. The cash advance itself looks the same as any other credit card transaction, however the interest treatment is different than a credit card transaction, since interest occurs from the date of advance instead after carrying a balance ( like a normal credit card transaction ). Luckily, I pay attention to these things and I was able to rectify my mistake which Wells Fargo did assist me with, no issues there. However, not explicitly calling out cash advance current balance nor giving an option to explicitly pay off that balance as its own separate credit type, is predatory. I am sure many consumers are paying at least 2 months of interest if not more for a cash advance balance they do not know they have, and if different transaction types carry different interest treatments, they should be separated out. 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: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I obtained my mortgage -origination- in XXXX, and since that time I have been paying the home insurance PMI until today thru 3 mortgage companies, the current one is Midland Mortgages XXXX 
I asked the company to cancel the PMI since I meet the conditions, but they refused and arguing that the loan first originated in the year XXXX. ( since the time I switched to them ). 
I do not know why they are citing incorrect reasons, especially since all criteria that allow me to cancel the insurance are met. No late payments and the market price of the house is {$550000.00}, and the remainder in the loan is {$260000.00}. In addition, Thank you very much for the help. 
Please help me with this matter. Thank you very much.

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 2023-12-30
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ON TODAY XX/XX/XXXX  I TRIED TO OPEN TO BANK ONLINE WITH REGIONS BANK AND XXXX  XXXX AND XXXX XXXX, I WAS DENIED FOR THE ACCOUNTS, BUT I DONT HAVE ANYTHING IN XXXX XXXX AFTER PULLING THE REPORTS, PLEASE HELP 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 2023-11-15
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several charge offs that are still on my account that needs to be removed permanently. 

Duty : A moral obligation Accurate : Correct in all details Prohibition : A law and regulation forbidding something As defined by the IRS Even if you didn't receive a tax 1099 c you must report cancelled debt and gross income The IRs clearly states a charge off as income, so the reporting of this account is inaccurate. Income does not get reported on a consumer report, which makes this report inaccurate. 

15 USC 1681 S-2 You are a furnisher of information to the reporting of this credit Bureau agencies . A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Therefore you are prohibited by law to furnish this information. I demand you cease and desist of this reporting. You are hereby put on notice that you have been reporting inaccurate information. 

15 US. Code section 1681 - 2, The responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after a notice and confirmation of errors, a person shall not furnish information relating to a consumer to any other consumer or any other consumer reporting agency. IF - I ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and II ) The lender must file a 1099c and provide you a copy of the debt if the debt is more than {$600.00} and the lender is a federal institution, credit union, government agency.

Please send me a copy of the 1099c that they should of sent when they filed as cancelled debt. 

In conclusion, you are hereby notified and i have clearly shown the inaccuracies. This inaccurate reporting has caused harm to my family and a tremendous financial loss as I am unable to move on wit my life a life and livelihood while this reporting is blocking my growth. 

You have 10 calendrer days to remove these inaccuracies from my credit reports.

Again this is in regards to all charge offs You have listed as a charge off and as a charge off it should be a 1099 fee. If there was never sent a 1099 fee so then XXXX XXXX is trying to double dip because they are still trying to collect from me at the same time when they already received their money from the government as a charge off.

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 2024-02-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company came to XXXX XXXX XXXX XXXX for a promotion cameras people everywhere signed up gave them all my information SNAP card and all was told to go to XXXX office to pick up my cable box also was told it would be {$9.00} a month but I would not have to pay because Affordable Connectivity Program, start getting a bill went to XXXX  store on XXXX three ( 3 ) times to get this situation straighten out even ask to speak with a manager was told not available he would call me back was told don't worry it would be taken care of meaning my bill never got a call back have sent them emails no respond will get an email asking me to bring my old cable box in to get a new one because I had stopped using it because it was not working. Months later account sent to collections

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seconds apart this fraudulent crooked scamming company closed 2 complaints with different explanations for the same problem AND AS USUAL THEY LIED AND RESOLVED NOTHING

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 2024-02-02
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/XXXX Hurricane Ian damaged our home. The insurer did not pay us until XX/XX/XXXX, XXXX I sent Freedom XXXX drafts from my home insurer totaling {$100000.00}. Freedom Mortgage released {$40000.00} to us on XX/XX/XXXX. Freedom is holding the {$62000.00} balance and now refuses to release the balance after promising to do so. 

On XX/XX/XXXX, they sent an inspector to our home and documented that all repairs ( except the garage door replacement ) are completed. On XX/XX/XXXX a representative in their Loss Draft department called me. During that call I was promised the balance would be released promptly and I would receive the draft in XXXX to XXXX working days. Yesterday, XX/XX/XXXX I called Freedom and after speaking with a manager, I was told that a draft was not mailed because the representative I spoke with on XX/XX/XXXX did not have the authority to make the decision to release the balance. This was a shocker because the rep spoke with her manager to get the authority while I was on the phone. No one called or wrote to me to advise of the change in the decision; had I not called, I would not have known. I did all the repairs to the home with the exception of replacing the garage doors ( a very small percentage of the overall damages ). I sent them a self-repair letter as instructed but now that is not good enough. The manager I spoke with yesterday now has changed their procedures and is requiring that I send all receipts for materials and labor I have paid out of my pocket. This is a complete reversal of the original instructions. I am being asked to provide information that I do not have. Since I served as the XXXX XXXX for the repairs, I do not have a signed contract nor do I have lien waivers. If they are so concerned about liens on the house all they have to do is complete a lien search. 
Yesterday the manager told me that no further payment will be made. When I called the main number for Freedom, I was told that my issue would be sent to the Escallation Department and I would receive a call promptly. I have not heard from them. They have a very lengthy and ongoing history of doing the very same thing to many other customers.

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 2024-02-01
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
Date and Time of fraudulent charge : XX/XX/year> in the amount of {$2700.00} Received text on XX/XX/year>, replied NO I called the next day XX/XX/XXXX at XXXX am and I told the Wells Fargo rep that this was a fraudulent charge Received a letter to contact Wells Fargo, called was told that my claim was under investigation On XX/XX/year> I called Wells Fargo and was told my claim was denied. I never received a call or letter regarding the denied claim. On XX/XX/year> contacted by XXXX XXXX from executive offices and was told that my claim was being reopened. Case number : XXXX Information I have shared with Wells Fargo Representatives, Fraud Claim Department, and XXXX XXXX from Executive Offices : I did not make this transaction in person as its impossible to be at two places at once I work on the XXXX XXXX XXXX XXXX and the vendor is located on the XXXXXXXX XXXX XXXX XXXX  I have a record of logging into work at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who can verify that I was working on XX/XX/year> Look at past transaction, I have never made a purchase over {$1000.00} or shop on the XXXX XXXX XXXX I have never done business with the vendor XXXX XXXX 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 monetary relief