BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: AMA Advisors, LLC.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Today, 8 days before closing, I got a call from my realtor today about a hiccup in the loan process. Naturally, I was very confused. She explained that something had happened, and now my husband and I were no longer eligible for our loan. I freaked out a little and texted our loan officer who did a very poor job of explaining via text that there was an algorithm update, and thats just how it is. I spoke to him on the phone later, and he clarified : The bank ( Homebridge ) runs the loan through an algorithm provided by XXXX XXXX, and this algorithm gets updated fairly regularly. What seems to have happened is that the previous version of this algorithm deemed us worthy, the update happened, the bank finished the underwriting process and ran the loan through the NEW algorithm, and even though NOTHING has changed on our side, the code has now deemed us unworthy, as of XX/XX/XXXX. Our loan officer told us he and the real estate lawyer have been on the phone with XXXX XXXX for the last 3 days trying to figure out whats going on, and no one at XXXX XXXX can figure it out either. No one on either side of this process can identify a single thing that change our eligibility EXCEPT FOR THE UPDATE IN THE ALGORITHM. Now, the ONLY way we qualify is if we double our down payment from 5 % to 10 %, which raises our closing costs to $ XXXX. There is no way we can come up with $ XXXX in a week or less, and since we're currently renting, we might end up homeless if our landlord has rented out our unit without telling us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage request from XXXX that an insurance check in the amount of {$49000.00} be reissued and sent to them. WFHM forged my signature and deposited the check even after I object. Pursuant to Georgia Code OCGA 11-3-116 ( b ) .An instrument payable to the order of two or more persons :... [ i ] f not in the alternative is payable to all of them and may be negotiated, discharged, or enforced only by all of them. '' ( Emphasis supplied. ) OCGA 11-3-116 ( b ). " An instrument is converted when :... ( b XXXX Any person to whom it is delivered for payment refuses on demand either to pay or to return it ; or... ( c ) It is paid on a forged endorsement. ''

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 2017-11-07
Company: FCI Lender Services Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
FCI Lender Services , Inc constantly threatens to foreclose on my property. XXXX XXXX XXXX owns the second deed of trust on my property and has hired FCI Lender Services , Inc. I tried to do a loan modification with XXXX XXXX XXXX but was unsuccessful because they keep moving the loan to different services. I tried unsuccessfully with the past services to do a loan modification. On XX/XX/XXXX through the US Bankruptcy Court case # XXXX, I was discharged of my debts under Chapter XXXX ( including the second deed of trust ) under section 727 of title 11 US Code ( the Bankruptcy Code ). On XX/XX/XXXX, FCI Lender Services sent me a  letter " to help you avoid foreclosure ''. To " avoid foreclosure proceedings '' I must pay {$42000.00} by XX/XX/XXXX. On  XX/XX/XXXX, I received a priority Mail Express slip from the USPS from this debt collector. This is just two examples of the many threatening letters I receive from them. At the end of the letters it states, " if you have received a bankruptcy discharge, this letter is for informational purposes only and it is not an attempt to collect a debt ''. The letters are very threatening compared to the other debt collectors XXXX XXXX XXXX has used in the past.

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 2018-03-30
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened it in XX/XX/2015. They had me paying unemployment insurance, but they didn't tell me that it was only good for 6 months. I was out of work for a year and they quit paying my bill after 6 months. I tried to reach out to the company to come up with a settlement agreement but can't catch them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold by XXXX  XXXX XXXX to Carrington Mortgage Services this past fall. The mortgage payment has been {$630.00} monthly. 
On XX/XX/XXXX Carrington informed us that they would be raising our monthly mortgage payment to {$700.00}, an increase of {$70.00} per month. None of our taxes or insurance have increased, but they are now requiring us to have an excess of {$720.00} in our escrow account. 
Our taxes & insurance payments are XXXX. 
XXXX = XXXX and XXXX = {$49.00}. 
According to your representative that I spoke with, the above are the limits to which the mortgage company can require for additional escrow. Because I am retired and my husband on XXXX, the {$70.00} extra would be a hardship for us. 
I have spoken to several of the Carrington customer service reps, but they all say that the figures are correct and that is what we must pay, anything less would not be accepted toward our mortgage payment. They also told me {$720.00} must remain in our escrow account, and we would only get back anything above this amount at the end of the year. 
At present, we owe payments for XXXX and XXXX, and we are hoping to resolve this issue. I will be making one payment on XX/XX/XXXX when I receive my social security check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent a letter to transunion on XX/XX/2020 regarding some inaccurate information that I requested be removed. They never replied and it has been over 60 days. They are in violation of the Fair Credit Reporting Act and are negligent towards the law. The accounts are XXXX XXXX XXXX and a XXXX Account.

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 2018-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Capital One placed a stop payment on a close out check in error, check was sent on XX/XX/XXXX, received onXX/XX/XXXXin the amount of XXXX. They claim " expectations given incorrectly '' or similar thereof as reason for error. A replacement check was sent onXX/XX/XXXX, fraudulently cashed. I was in XXXX XXXX at the time, was not at home to receive/sign for check or sign it for cashing. Contrary to what a XXXX XXXX claims, the person whom cashed check does not live at my address and am not related. The account she mentions as linked to Capital One account I am not aware of, it is no longer linked. A XXXX requested check image be sent to me, the signature on it is not mine and as I said prior, fraudulently cashed. Capital One has my signature card on file I believe, if they check it, they will see signature is not mine. Since stop payment is an error by Capital One and thus replacement check sent which was fraudulently cashed, they need to reimburse me for lost funds which I am owed. I've attempted to reach out to a XXXX XXXX, a total of seven ( 7 ) messages left, not one returned. She claims she can not return calls when regulatory complaints are in process, it appears she simply will not return calls as none were returned even after prior CFBP complaints closed out. She continues to leave her number when she will not return calls. In closing, I will need the name of their legal counsel as well as address to mail notice of small claim suit to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is reporting a tax lien that does not belong to 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 non-monetary relief
Consumer complaint received 2017-11-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in  regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against XXXX XXXX GROUP with the Federal Trade Commission, the Attorney General of both XXXX XXXX XXXX XXXX XXXX state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ref. : WELLS FARGO BANK, N.A. - a/c opening Branch : XXXX XXXX, NJ Our a/c # XXXX - Balance as of XX/XX/XXXX {$240000.00} Since XX/XX/XXXX, the bank, for unexplained reason, unilaterally blocked/closed the account and held the sizable balance which was released to me/us over five years later, in XXXX, after 52 letters to the bank and to various Agencies ( Attorneys General, OCC,  Banking Dept, etc. ) were filed. 
Furthermore the bank asserted that our money had been turned to the State Dormant Accounts and that a check was mailed to me/us. No evidence ever given. 
Since I/we claim financial damage for the abusive activity of Wells Fargo, please intervene with your authority to have the issue settled. 
Thank you. 

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 explanation
Consumer complaint received 2018-11-10
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my name is XXXX XXXX property address is XXXX XXXX XXXX XXXX XXXX NY XXXX. I took a conventional loan back in XX/XX/2008 from suntrust mortgage bank .My loan number is XXXX. I was having financial hardship I approached the bank they offered me a loan modification ( document attached ) I was making my monthly modification payment for over a year. The loan was sold to another bank, suntrust mortgage bank told me my modification was forwarded to the new bank, for over 7 years the servicing of my loan had pass through multiple servicing companies and investors all of them refusing to honor the loan modification that i was approved for, everybody seem to blame suntrust for incompetent .it has been a nightmare for me and my family spending all of our saving on legal bill trying to stop XXXX XXXX- current servicing bank from foreclosed on our property Also there was a period nobody was servicing our loan means nobody to talk to. 
XXXX loan number XXXX attached my modification document plus some payment history please help us

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 2018-11-08
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent by certified mail a letter to the company XXXX XXXX XXXX, asking them to validate the debt in question ( creditor XXXX XXXX XXXX XXXX ), by sending original documentation of contracts with the company that were signed by me for the debt of {$280.00}, as reported on my credit reports, I sent the letter off by certified mail on XX/XX/2018 and they received it on XX/XX/2018, I received a response letter back that was dated XX/XX/2018 without the requested documentation of original contracts or agreements, by me, but instead they sent a copy of a final billing statement, which is not a validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I had my credit pulled trying to buy a new car and they stated they could not loan to me as I had not made a payment to my current lender Wels Fargo since XXXX of XXXX. I have been making regular monthly payments and when I called to ask why they are not reporting the payments they could not give me an answer just a bunch or runaround and no one is actually trying to help to get the issue resolved. This has caused my credit score to go from a XXXX to a XXXX. Wells Fargo also tried to tell me I had a past due balance of {$20.00} after I had asked numerous times when making my payments, does this bring me completely current and they would say yes, only to be told I had a balance of {$20.00} due from last XXXX of XXXX. They are committing consumer fraud with what they are doing. They are showing me as a delinquent payer and I am making my regular monthly payments. They continually place me on hold or tell me they will have someone call back in regards to this issue and no one ever calls. They just make me call and waste 2 hours of my time every day trying to get a resolution.

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 2020-06-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle got tolled by mistake three times in one year. The vin number of my car is connected to another bank which Im not a customer and they keeping repossessing the car. My payments are made on time. This is a frustrating situation. The dealership didnt help to verify this problem and fix it. 
This happened three time in one year lease and I would like to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: SLM CORPORATION
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am cosigned on a loan with my son- he is making a {$75.00} a week payment/ {$300.00} a month - this loan should be paid ahead of the payment is only {$230.00} a month leaving a surplus of {$65.00} per month. 

XXXX they called and stated that they haven't received payment since XX/XX/XXXX- I got on my sons account and there is consistent {$75.00} weekly being sent. This was a lie. 

XXXX called the number on my way to work was connected with a XXXX   person that was not very cooperative- she stated that they are receiving payments I tried to get her to explain to me how this could be behind if the payment monthly is {$230.00} and there is a weekly payment of {$75.00} which is {$300.00} per month this loan should be paid ahead since XX/XX/XXXX of this year- she tried to push me off the call I waited to speak to a Team Lead and asked the same questions- since there is obviously research and misapplied payments that need to happen on XXXX XXXX side of the house I asked for to have my number removed and not called. She stated they can remove from dialer but will still manually call- I have been really sick this year with 2 XXXX and not doing well- there is obviously some misappropriation of funds and this needs to be escalated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid 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 filed a dispute on XXXX XXXX for 2 purchases. One purchase was XX/XX/20 for XXXX, and the second charge was on XX/XX/20 for XXXX The card was declining at the stor register on XX/XX/20 so we used an alternative source of payment for the purchases but the card was still charged.

The second dispute transaction on XX/XX/20 was an unauthorized debit feoma collection agency that did not have my permission to use that card but the charge was deboted anyway. I have reached out to my credit card company multiple times since the
original dispute date XX/XX/20 for the purchases to be credited back to

my account and they refuse to do so. I sent them documents needed via fax, mail, email and 4 agents have so emailed that department and they still have not honored my request. They sent me a statement today that still had those charges included on the balance. I spoke to a representative today XX/XX/20 that stated they need receipts for purchases.. but I did not purchase these items at all.

I am being treated poorly and unfairly and have have sent in correspondence through 6 agents, both of my email accounts, fax and email. I have done my part but they refuse to help me. I want to file a report of abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is a XXXX XXXX. My bank XXXXXXXX XXXX XXXX XXXXXXXX is forcing me to pay this solar loan off as part of my refinancing. We closed on XX/XX/XXXX. My closing attorney send a certified check to Goodleap in California. someone signed for it. They lost it. They are still billing me {$350.00} for the last two months and I am also paying XXXX now. I need it get this paid off. My attorney is XXXX XXXX at XXXX, XXXX, & XXXX in XXXX, Virginia. Her number is XXXX XXXX XXXX. 

We have talked with Goodleap 's customer service four times now. They say they have no check and will keep billing me??? What can we do? Sue them? Goodleap can be reached at XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Please help us. 


XXXX XXXX

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 2018-11-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Chase XXXX XXXX credit card charged a late fee and interest because JP Morgan will not process electronic payments on Sunday. The credit card itself may not process payments on Sundays as well. 

My XX/XX/XXXX payment for this card was due on Sunday, XX/XX/XXXX.  I pay this Chase credit card electronically from my JP Morgan checking account. The payments are supposed to be credited the same day, although they usually are not. 

However, JP Morgan bank will not allow me to make an electronic payment on a Sunday. It may be that neither would Chases XXXX XXXX credit card process an electronic payment on a Sunday. For these reasons, due to JP Morgans refusal to make electronic payments from its checking accounts on Sunday, and especially if the credit card itself will not process a payment on the day it is due, Chase credit cards should be forbidden from charging late fees and interest fees for any payments due on a day that its banking division will not make a payment, and/or the credit card divisions themselves will not process a payment. 

This is a recurring problem with JP Morgan and Chase credit cards that I have filed CFPB/BCFP complaints about before. Yet it continues to happen. Chase credit card continues to levy unreasonable fees and penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-08
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The XXXX XXXX was started XX/XX/XXXX for {$10000.00}. It has been sold at least twice. I and my co-signer have paid in {$9200.00}. I went into bankruptcy from XX/XX/XXXX to XX/XX/XXXX. 
The loan is now with Navient.. This is a private loan. Navient has accrued the interest during bankruptcy and applied {$640.00} from the bankruptcy administrator toward interest while the court shows principal payments. 
This XX/XX/XXXX ( XX/XX/XXXX ) Navient advised me to take a forbearance and capitalized interest and fees and I paid them {$50.00} to do this. The terms were to start payments XX/XX/XXXX. This agreement was taped., now they say that I missed XX/XX/XXXX and they say I owe an XX/XX/XXXX payment plus a late fee. 
This loan has been handled this way throughout, selling the loan, advising forbearance and capitalizing interest. 
To sum up, after 13 years, paying in {$9200.00}, and a bankruptcy the PRINCIPAL IS {$10000.00} OR {$440.00} LESS THAN THE ORIGINAL PROCEEDS.

Company response to consumer: Closed with non-monetary relief