BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing is blocking me from getting access to government modification programs to help me save my home from foreclosure. I have tried to work with them and sent them payments in XXXX and XXXX but they send them back to me and don't give me a chance. They reviewed me for modification in XXXX after I had been in Covid forbearance program but told me the income was too low, but they did not have the right information. My financial circumstances have changed and I can afford a fair payment to fix this problem but they don't care and move forward with foreclosure on XX/XX/XXXX. I have this home for 20 years and never have problems with payments until hurricane in XXXX and I fall behind. I talk to XXXX XXXX about this and they understand but told me that I have to get into a plan with them to fix the problem and when I try to do this the loan gets transferred to XXXX. I try to fix things with XXXX and have a job plus my graphic design business and start working with them but then the loan gets transferred to Fay Servicing. I ask for help but they tell me I need to wait a couple months to apply because they need time to set me up in their system. Then I lose my job at event planning company because of Covid and tell Fay and they give me 6 months forbearance through government program. After that ends I have a new job as customer service agent and apply for help but they tell me I do not qualify and say because I have equity in my house they won't work with me. This was a XXXX XXXX XXXX I don't think that is a XXXX XXXX rule. I apply again in XXXX but this time they say sorry, you do not have enough income for any programs, but when I ask what income they tell me the wrong number which is much lower than correct income. Then they try to sell my house at foreclosure and I had to file bankruptcy to stop them. 

I have owned this home for 20 years and I am very proud of it. I refinanced in XXXX into 15 year loan so I could pay off faster and never had a problem with payments until the hurricane comes in XXXX. Yes I am sorry I miss the payments but business in XXXX was wiped out and I could not do anything for a few months. As soon as I am doing OK I try to fix this but then the loan goes from XXXX XXXX to XXXX  then to Fay Servicing. Then I have problems with Covid and lose my job. I am doing fine now and my income from customer service job and my graphic design business is dependable and I can afford a fair payment if they will work with me. Why do they block me from help? Why do they set a new sale date for my house? Why do they do this on a XXXX XXXX loan? One agent says the loan is not with XXXX XXXX  anymore but now private investor, how can a XXXX XXXX loan get sold to a private investor while it is still active? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My daughter currently has a student loan with Discover which I pay for of {$44000.00}. A previous loan {$20000.00} ( estimate ) we paid off in XXXX. My daughter and I contacted Discover to refinance the existing loan which is on a variable term basis and currently at 6.5 % to a 3.7 % fixed. We completed the application with their representative and she told us that my daughter was declined. I told her fine do it with myself as a co-signer and they said she can only have a co-signer if she's approved first. We checked her score with Discover on line and it came back XXXX which is far higher than most. In addition when she took out the loan she was a student unemployed and now she is an attorney, has excellent credit & employed full time for over 3 years and they deny her. And to also say she can't refinance even offering to apply with her myself who score last I checked was XXXX seems highly suspicious! I feel that Discover is taking this action to avoid lowering the interest rate be paid. That should be highly in violation of the fair lending act. 
I have attached a copy of my daughters credit score pulled from Discover 's web site for purpose of validity. Also I've attached a copy of the Discover loan detail page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My parents took out a reverse mortgage in XXXX. My father passed away in XXXX and my mother in XXXX of XXXX. As the executor of the estate, I have been working with the servicing agent of the note holder to settle the outstanding debt on the house. I have provided all documents asked for by the servicing agent CELINK, address, by the required due dates. However, CELINK has failed to respond in writing ( except by email ) or in good faith. They have stalled and continually changed the requirements to proceed. CELINK initiated a foreclosure process in XXXX when we were trying to negotiate a sale. Through this whole process CELINK has stalled and continued to raise the price of the house. We followed every step as outlined in their paperwork. CELINK has not reciprocated. 

We would like CELINK to produce the original note of the loan and stick to the agreed price of 95 % of the appraised value, which they have not shared. Their last counter was {$100000.00} more than the value of the reverse mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX I traded in a XXXX XXXX XXXX. After speaking with the dealership XXXX XXXX located in XXXX XXXX Utah they cut a check for the payoff amount on XX/XX/XXXX. I have attemped to resolve the issue with XXXX XXXX and Chase Auto loan on mulitple occasions. Chase Auto Loan has told me on the phone that they are extremely understaffed and that the Auto Loan payoff is NOT going to happen any time soon. This is unacceptable. The car will be sold to a new buyer and put under a new loan before mine is even paid off. As of today XX/XX/XXXX XXXX calendar days have passed and 15 business days. This is a problem for Chase bank and their staffing shortages. It will negatively effect my credit and nothing is being done about it. Again, the response is unfavorable from Chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: CITIBANK, N.A.
State: GA
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:
Received email XXXX/XXXX/XXXX from Citibank with the offer replicated at this website : XXXX : XXXX? XXXX Offer is for 0 % interest on credit card purchases through XX/XX/XXXX as long as paid by XX/XX/XXXX. What the offer fails to disclose and will not be disclosed unless one thinks to ask, are : 1. Balances outstanding now if not paid on the current statement will be charged interest at the standard card rate ; and 2. Charges, even if not yet billed as of XXXX/XXXX/XXXX will immediately start being charged interest on XXXX XXXX if not paid off on XXXX XXXX. Hence, someone using the card after the cutoff date preceding XXXX XXXX is in for standard interest charges, a fact that is not disclosed. 

This promo is a misleading, back-door, misrepresented way to impose interest charges on unsuspecting cardholders, who are led to believe that they are being offered a benefit, encouraging use of the card. 

Citi should be required to rescind this promotion or forgive all interest charges that may accrue for anyone signing up for this underhanded program.

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 2019-10-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to resolve my mortgage situation with Wells Fargo for almost a year. My hardship started when my mother became sick and I had to take care of her. I cared for her until she passed. During this time, I had exhausted all of my resources to comfort her and to keep her with us as long as possible. As I became behind on my mortgage, I reached out to Wells Fargo for assistance. They gave me the runaround. After asking for documents excessively, they denied my review by saying that I made too much money for assistance and they demanded that I pay my past due in full. I neither had the money nor made so much money to do so. 
I applied a second time and again ; they dragged things along, again and again for months. This time, they concluded that I made too little money and could not afford my home. And here I am, months into this even further behind and again demanding the past due in full. 
I applied a third time. This time I had better income. I had rental income that is being generated and I provided all of this information. They once again dragged this out and concluded that I can not afford my home. The excuse they made was that I did not provide documentation for the rental income. Why did they not ask for it? In the past they almost harassed me with constant document requests. I would have provided whatever they wanted. I feel that they did this on purpose. 
After this denial, they allowed me to appeal. So, I took the opportunity. This time, the bank statements were included with the rental deposits highlighted and my payroll highlighted. I also included my lease agreements to further back this up. 
Again they denied me. The lie this time was that I did not provide the documentation to verify my income. This is a lie and I feel that they are trying to take my home from me. How can they ignore such hard evidence? At this time, I am livid and disgusted at the way Wells Fargo has treated me, how they have lied to me and how much they lack in morals. They have affected me mentally and emotionally. I am always on edge and constantly in stress and it is also affecting my health. 
I want to apply again because this home is all I have. I am reaching out for help. I want Wells Fargo to stop harassing me and to allow me to resume making my mortgage payments. I want them to acknowledge the documentation provided and to stop this charade so I can move forward.

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 2021-09-15
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 Cross Country Mortgage ( XXXX XXXX  ) took out two ( 2 ) mortgage payments totaling {$4000.00} ( {$2000.00} normally ). I had to move money immediately, so I would not overdraft on my banking account. I called customer service ( XXXX ) XXXX on XX/XX/21, but was unable to get through. I called again on XX/XX/21 and spoke with a customer representative that I needed to verify proof that they took it out twice. At the time of the conversation, my bank just showed " pending '' on the 2nd payment and the mortgage company would not refund my money. After I had proof the funds took out I called the mortgage company again ( I do not know this date ) and they had already in process of refunding the money on XX/XX/21. I called again on XX/XX/21 to understand why my account had not been credited the money. I was told by a customer service representative that the process is to issue a check and it would be mailed on XX/XX/21. I asked why I hadn't been notified of this before and the CSR just said it was " the process ''. She also said it would be about 7 - 10 business days before I would receive the check. By the time I get my money, it will be time for my mortgage to take out again. On XX/XX/21 the mortgage company called wanting clarification as to why I submitted poor reviews of the customer service and reiterated that it is because they took my mortgage out twice and were unable to provide my money back as easily as they took it. They never explained what their " process '' is, but if money is taken out electronically it should be able to credited back electronically. I am not in the position to be out {$2000.00} until the check arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 paid XXXX XXXX XXXX wireless contract which wireless lines for XXXX and XXXX amount paid {$790.00}. I wanted a prepaid cell phone service which startedXX/XX/2018 I paid {$50.00} for both lines. then i got email bill from XXXX XXXX XXXX that stated I owed {$260.00}. then the bill went up to {$590.00}. I attempted to call XXXX XXXX XXXX and send a fax for a complaint and my issue was not resolved. I spoke with XXXX XXXX XXXX representative who told me to contact the collection agency since my account was sent to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 I attempted to make a deposit of {$1400.00} into my Coinbase account from a bank account that I had closed but had forgotten to remove from my account. 

XX/XX/2021 I received notification that my deposit was denied due to lack of funds. I was informed I had 5 business days to fix this before they would liquidate the cryptocurrency positions that I had made with the money the loaned me reclaim it. ( Coinbase " lends '' you the money pending the completion of your ACH deposit, so you don't have to sit around waiting for the cash to arrive, you can dive right in and generate commissions for them. ) Embarrassed, that I chose the wrong bank, I immediately fixed it. Again, I ddi this on at was on XX/XX/2021 There was a link in the email that said " Deposit Funds '', so I made a deposit of equivalent size from an open bank account {$1400.00}. 

Coinbase sent an email to me on XX/XX/2021 telling me that the account recovery was complete and they unfroze my account. 

On XX/XX/XXXX, they sent me another email telling me about the failed deposit on the XXXX and that they were going to take the money from my account. 
This is after I repaid them and they unfroze my account. 

Also on XX/XX/XXXX, they took all of my cryptocurrency from my account.. All of it. 

I understand that they had a right to retrieve funds - but I made a " good '' deposit to cover the " bad '' deposit the next day. Furthermore, somebody made a mistake and they actually admitted it in an email. " oh yeah, i see the deposit from XX/XX/XXXX right here '' They do not answer their customer support number. They do not make outbound calls. They do not respond to emails with anything except copied and pasted responses which do not address your issue. Basically they pull up the drawbridge and ignore the peasants. 

I filed an internal complaint about this with them on XX/XX/2021 and according to their terms and conditions they were supposed to get back to me within 20 business days. They haven't done this. They said my case is still pending. Of course, that is because they have been stealing from a lot of other customers as well. There is a backlog of fraud at coinbase. 

The facts are in my bank accounts and even in my coinbase account it shows that I repaid them the money the same day, and they still stole the money out of my account. 

In their terms and conditions it states that by using their site I waive my right to sue them and have to use binding arbitration. I can only request binding arbitration AFTER they review my complaint with their internal review. They have had my complaint for a month and there is no end in site. There is no idea how long that will take. 

Finally, I am not the only victim of this. The Internet has dozens of similar complaints from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
State: ID
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:
On XXXX XXXX, 2017 I attempted to contact Equifax via the following link to their website : https : //www.ai.equifax.com/? XXXX This website continously " times out '' and fails to load, thereby denying consumers access to correct their credit reports and dispute inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The pastor who works with kids in bad neighborhoods and sometimes they think my card with Chime theres a free ticket to fun. I have had to replace several cards. Although I have filed my share of disputes legitimate ones Chime has never signed it on my side ever. Their investigation is boilerplate and lacks any sort of substance? I for a long time has battled them and I think and received one temporary credit. Thats neither here nor there whats upsetting is the fact that I filed a dispute Subsequently closed my account for it. Chime guarantees protection under the XXXX symbol and should be sued for the same reason XXXX XXXX XXXX is currently being sued which is touting that XXXX symbol and pretending like theyre a bank only they dont honor the commitment of a bank to protect you 24 seven against fraudulent charges disclosure my account has not gotten in the way of the receipt of the IRS refund my family and I so deserve and I dont think the Chime should be in business anymore and all Ive put nearly {$40000.00} into that bank in the past three months and theyre not very grateful for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the hospital and seeing all these fraudulent accounts on my credit increased my stress level along with the current epidemic Covid 19 Coronavirus going on, its vital that this issue is resolved 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 2022-04-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The American Express bank, WILL Not let me into my savings account, because of a Canceled unpaid American Express XXXX Credit Card, That was supposed to be reported lost and or stolen, so that I can still access my savings account. The customer service Person on the phone say 's that the account has been closed and refuses to allow me the credentials needed to login to the account. I tell them can I take money from my savings and pay the canceled credit card that way, just to be fair? And they still act like they can not even do that because they may or may not really work for American Express. 

One of them sounded like a foreigner and the other sounded like a XXXX. 

Ive got XXXX XXXX dollars worth of savings insurance with this particular account, and It may seem XXXX to regular working class people but there is no way a foreigner or XXXX would ever be able to access and dole out my XXXX XXXX dollar insured savings account to me. PLease help me with this problem because it was nearly the only bank that I could find that had any kind of Savings insurance to brag of. On top of that I invested and sold Stock for the company of American Express and have used the bank as a personal bank since 2004. I demand this problem and issue with a XXXX and or foreigner getting their little poor foreign XXXX feeling hurt over big and rich XXXX XXXX. XXXX XXXX XXXX from XXXX and XXXX bankers association would call that a small personal problem, that they have no problem fixing directly for you. If you do not resolve this problem your going to need an expensive business Lawyer to match wits with a XXXX business Lawyer of XXXX XXXX Choosing and be Sued and held liable for causing personal Problems with XXXX XXXX finances and Home Marital Life. He does not care one bit about some XXXX XXXX or foreigners feeling that they feel so small compared to the tycoon. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX 1,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, XXXX, Transuion ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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