BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-12
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Flagstar Bank FSB has failed to submit payment to my Home insurance provider. There may be a lapse in coverage if the company does not pay.

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 2015-10-16
Company: Tri-Counties Accounts Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hi, I am a victim of identity theft. Someone used my personal information and identity for fraudulent gain. I did not create the accounts or gained any services or goods from them. When I became aware I was a victim, I reported it to the police, FTC and credit bureaus ( XXXX, XXXX and XXXX XXXX ). Account Recovery Services is a fraudulent account and is being reported on my credit report. I notified them via certified dispute letter with a copy of my police report, FTC affidavit, identification, current mailing address and explained to them the debt was not mine and a result of identity theft. Account Recovery Service verified the fraudulent account with the credit bureaus and have not removed their reporting of the fraudulent account, ignoring my disputes. The debt is n't mine and is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: SERVICE 1ST MORTGAGE, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am deeply troubled by what has happened to my payment history as well as good credit rating after using an inadequate mortgage company to refinance my home loan. The following is a digest of what happened while going through their process. 
Mortgage CompanyXXXX XXXXSenior Loan OfficerXXXX XXXX 
Toll Free : XXXXDirect : 240-305-7886XXXX : XXXX # XXXXHistory : XXXX XXXX - Initiated original loan applicationXX/XX/XXXX XXXX - Loan is approved but we need XXXX mortgage company approvalXX/XX/XXXX XXXX - We still do n't have your approval. Please pay your XXXX payment and we will close in two weeks. 
XXXX XXXX - Since you made your mortgage payment. The amount of the loan changed and now we have to get approvals againXX/XX/XXXX XXXX - I asked XXXX about now being late for XXXX payment waiting for them to close the loan. I was instructed to NOT pay the payment we would close any day nowXX/XX/XXXX XXXX - Still no approval from XXXX or their underwriter. Again, I was told to hold off of the payment or it would delay the loan approvalMay XXXX - I was told that I was good to go and that they would set up the closing asap. 
XXXX XXXX - Apologies from XXXX XXXX but they now have to start over due to a credit change to my report. The credit change was the notation of a late payment for my XXXX mortgage. That was caused by them. 
XXXX XXXX - I was informed that the credit change has now disqualified me from my ability to be approved. The apologized and told me that there is nothing they can do. 

Summary of the Situation : The process of a simple refinance took over 4 months and due to the negligence of the loan officer, XXXX XXXX, my mortgage payment was late for the XXXX time ever. Even worse they then declined me for something that they caused. It was the most frustrating experience I have ever gone through. I also have never had a late payment of my credit report and now because of this I get unfairly penalized. 
Upon getting the notification of now being declined, I immediately paid my XXXX payment and also the XXXX payment as well as re-setup the auto payments for my account. Please feel free to look at my credit report and mortgage account to verify this. I also have saved every email from XXXX XXXX to verify their mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: Focus Holding Company
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid direct to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting a call from a company that I do not know who they are and have asked to not call again, yet they continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Planet Home Lending failed to request payment for some XXXX discrepancies in our account to XXXX, KEEP YOUR HOME CALIFORNIA. Now they are trying to get us to pay it. This caused a monthly inconsistency in our mortgage payments. Because this issue was n't corrected, it made our account look delinquent every month since XXXX XXXX. Also, XXXX paid Planet Home Lending through XXXX of XXXX and Planet Home Lending is stating they were only paid through XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-12-22
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied and was accepted to the XXXX XXXX through XXXX XXXX. The letter explicitly states that " We have reduced your XXXX XXXX XXXX account and XXXX XXXX account by 100 %. '' Yet I received a letter from a collections agency in the mail this morning for an outstanding balance from them. It is completely unlawful to send an official letter stating that no further billing will occur and then send it to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
OUR PRIMARY HOME IS IN LISTED ON SHERIFF SALES FORECLOSURE BY WELLSFARGO BANK FOR XX/XX/2016. WE WERE APPROVED FOR XXXX TRIALS AND THE PAYMENTS WERE MADE ONTIME, BUT THE PERMANENT LOAN MODIFICATIONS WAS HIGH AND NOT BASED ON THE INCOME AND BUDGET. I CALLED AND EXPLAIN TO WELLSFARGO TO REDUCE THE PAYMENTS, THE DOCUMENTS WERE SUBMITTED FOR MODIFICATION BUT THE BANK REFUSED TO HELP WITH NO OFFICIAL LETTER STATING DECLINING. THE NEXT THING WAS THE BANK SENT A SHERIFF SALES DATE FOR THE FORECLOSURE ON XX/XX/XXXX. THERE IS NO WHERE TO MOVE TO AS WE HAVE NO ALTERNATIVE HOME WITH ALL THE FAMILY MEMBERS OF XXXX. PLEASE KINDLY LOOK INTO THIS AS WE WANT TO KEEP THE HOME. LOAN NUMBER IS XXXX WELLSFARGO BANK. THANKS

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 2015-08-22
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Addendum number XXXX : XXXX ( unintelligible last name ) called from Wells Fargo, in regard to our complaint. He left us a message to call XXXX XXXX, who was not in the office, so he left us a number to reach him. XXXX, that number is not in service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Lincoln Educational Services Corporation
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Lincoln Tech told me I did n't have to start paying my Federal student loans from 6 months from the date of XXXX XXXX when I graduated and Im already being charged to pay my student loans than they told me. Can you please have the courtesy of resolving this issue by calling me and fulfilling your promise of not charging me my student loan until 6 months from graduation?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I contacted Wells Fargo to request XXXX checks be stopped. I made XXXX phone calls to do so on XXXX ; the XXXX was directed to their " Premier '' group due to my account status. That person, XXXX, keep confusing the relevant information for my request ( check number, dates, etc ) while simultaneously emphasizing that if the information was n't exactly perfect, they would ignore my request and process the check. Since the check in question was {$6600.00}, this concerned me greatly. I called again, was somehow not routed to the XXXX and this time reached someone who so clearly was under pressure to reduce her call handle time that she was essentially useless. She seemed concerned only with getting me off the line and finally attempted to do so by telling me that I need to go to the nearest branch. She then attempted to terminate the call. Are n't financial institutions obligated to at least provide basic service such as the processing of stop-pay requests? As a " Premier '' member, a service that I pay for, I would expect better but I would still expect that at the most basic level, they 're legally obligated to provide far more than I received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check ( drawn from XXXX XXXX XXXX ) at my local wells fargo branch ( XXXX XXXX XXXX XXXX, TX XXXX ) and deposited a {$50000.00} on Wednesday, XXXX XXXX. I understand that hold should be placed, but the hold was to last until XXXX XXXX. I called the issuer of the check XXXX XXXX today, XXXX XXXX to see if check has been cashed. I was informed that this check was cashed and was provided with a canceled check via email. I printed the canceled check and gave to the service manager, XXXX XXXX. She was not able to release hold and informed me that her manager, XXXX XXXX would not authorize the release of the check as well. Local representatives were not able get a verbal verification from XXXX that the funds had cleared.

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 2017-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my lender Wells Fargo in regards to loss mitigation options. I have sent in all information and documents they have requested and was just informed last week on XX/XX/2016 that they are requesting a occupancy bill for my renter. I did send it to the lender and they are unable to tell me if they will be postponing the sale or not and not giving me time to consider other options. I am now afraid my house will sell because I can not leave my job to go file a bankruptcy with the sale being tomorrow morning.

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 2015-10-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank sent me a letter saying they decided to pull my credit report randomly and closed my account with them without my authorization. My account was in good standing with them and was paid off in full a few months ago. I spoke to a supervisor over the phone and she was very rude and stated that they have the right to pull my credit report at any time, how ever many times they want to and they can close my account even if my account it paid off and I have a good standing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have been using Capital One XXXX XXXX card for more than 5 years. Generally, the card is very handy and easy to manage. However, in XX/XX/2018, I submitted a dispute case related to a merchant ( XXXX ),  and the dispute case is a large amount dispute ( {$5900.00} ), capital one is not able to dispute this charge in a fair and helpful way and capital one rebilled this amount on my card without the right reason and due process. 

Before the rebill, I tried to coordinate Capital one 's requirements to upload all the documents and the documents uploading failed multiple times due to technical problem from capital one website. And then, capital one holds me accountable for not uploading the documents on time and closed the dispute without reviewing or collection those documents before the close of my case. 

I received the rebill on my card on XX/XX/XXXX, and before this XXXX rebill, I did not receive any communication from capital one to request for more information. I chatted with XXXX agent online around XX/XX/XXXX and told the agent that I was moving and may have difficulty receiving mails. I asked her to check if there is any mail related to this dispute case on my profile, and I was told there had been none since I asked XXXX to reopen the dispute case. It was not true. On XX/XX/XXXX, I got a letter from Capital one and the letter said because I did not provide documents to capital one by XX/XX/XXXX, capital one had to close the case. 

I contacted capital one on XX/XX/XXXX and let the dispute associate know that I was moving and did not get the letter asking for more information. The agent online told me that a case owner would contact me within 24-48 hours. 

On XX/XX/XXXX, I did not get any call or contact and then I called in and was told a specialist would contact me by XXXX XX/XX/2018 XXXX. And then, the call is not happening and I called in dispute dept again and the case is finally getting reviewed at the dipute dept. However, the entire process is more than 180 days and it is definitely not the right course to close such an obvious zero performance case without refunding consumer 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15, I called Wells Fargo to ask why there was an amount of {$7800.00} due under total payment category on the bill. Incidentially, the amount has increased to {$9200.00} on the XXXX bill. I was told previously that I owed for XXXX and XXXX. I was calling to make the XXXX payment, with the statement that I would make the XXXX payment in another week. The repres. informed me that the amount of {$7800.00} was money in a holding account, that was unapplied. I asked her to request that this money be applied. She stated that she would ; and that, I should call back in 3-5 business days. I called back on XXXX/XXXX/15. I was told that there existed the request on file, but the request had not been completed. I asked why and again that these monies please be applied. I made a payment of {$1100.00} to bring loan current for XXXX 2015. I looked over my bank account to determine that Wells Fargo had made a mistake in the payment owed amount of {$1100.00}. Rather than drafting {$1100.00}, they drafted only {$1000.00}. I called and made the {$100.00} payment to bring the loan current for XXXX 2015. 
I called on XXXX/XXXX/15 and spoke with XXXX @ XXXX, to determine whether the funds listed above, had been applied. She stated " no '', because my loan came to them from Waucovia Bank, and there is thus, a special team of persons working on this 'ACP project loan '. They would likely not be able to apply the dollars in the holding account until XXXX. I informed her that I am in an active bankruptcy and I do not wish to be considered delinquent given that I have been making regular payments and I was told that the account is current for XXXX 2015. I told her that I do not want later to be considered for a foreclosure suit. She stated that even if I continue to make regular payments, they will continue to go into 'unapplied funds '. I can not fully understand why this is the case since there is a team of persons working on what she termed a few of these 'ACP project loans '. 
I am filing a formal complaint against Wells Fargo. I asking that you assist me by investigating this issue with the hope that these funds will be applied in a more timely manner and on a regular basis, so as to assist me in avoiding this problem in the future. XXXX stated that Wells Fargo has received multiple calls regarding this same issue. I lost my home to foreclosure once because of bank fraud. I am not willing to have this happen again. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, I received a fraud alert text message from Wells Fargo. Someone had used my debit card information to spend {$150.00} at XXXX department store. I had my card in my possession, so the thief had actually stolen the information, but not the card itself. I immediately filed an official fraud claim with Wells Fargo, and they were able to discontinue that card and give me the money back, along with a new debit card which I started using the very next day. However, the next time I checked my bank statement I noticed another fraudulent charge on my bank statement for {$410.00} from XXXX XXXX and XXXX, using the same card number, that showed as happening on XXXX XXXX. I again immediately filed a fraud claim with Wells Fargo, and they provisionally put the money back in my account while they investigated. 

Yesterday, I received a letter from Wells Fargo saying they decided that the {$410.00} charge was NOT fraudulent, and they would be closing my claim. They sent a copy of the XXXX XXXX and XXXX receipt, which showed that the thief had bought XXXX {$200.00} gift cards, and scribbled an obviously fake signature. The date of the transaction was XXXX XXXX, a day before I received the Wells Fargo Fraud Notification Text about the XXXX XXXX transaction, but I never received a notification for this transaction and moreover, it did n't appear in my bank statement until XXXX XXXX so I was not able to notify Wells Fargo in a timely manner due to their own system delaying me by over a week. 

I feel that XXXX XXXX and XXXX did not do their due diligence by allowing someone to use a fake debit card without checking identification, and Wells Fargo completely disregarded my value as a customer with their investigation, and I am now using XXXX XXXX available to get my stolen money back.

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 2016-09-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX after getting off of my serving shift, I walked to my local Wells Fargo location in Downtown XXXX XXXX, PA to deposit {$130.00} cash into the ATM. The machine only credited my account {$5.00} dollars. As soon as this happened, I called to file a claim with Wells Fargo. They told me it will take over a month to hear the result of the claim. Being a student who desperately needs the money to pay rent and for books, I called back the next day. They credited my account {$130.00}. 

It is now XX/XX/XXXX and after looking at my account, I have noticed that they removed that credit on XX/XX/XXXX. 

There is still {$130.00} that I deposited into the ATM that is not in my account. The claim that I opened was unsuccessful in locating my money. I believe the employees at the bank did not search the ATM when I called or they saw the money in " limbo '' and took it for themselves.

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 2016-09-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I just received an unsolicited call from someone saying they were " the division of student loans ''. when I pressed, they told me their actual name was XXXX XXXX XXXX, XXXX out of XXXX, California. I asked if they charged for these services and was told " yes ''. After reading information on your website I decided to file a complaint. Although I did n't pay them anything, I just wanted to report it. It 's hard enough to pay back these hefty student loans without having some opportunistic crook trying to take advantage of you! How are these predators allowed to exist?

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 2015-09-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my payments due to a job loss. I notified Wells Fargo when I got a delinquency notice and the next month, XXXX 2015, they put my in foreclosure and returned 2.5 months of payments and stated I was now 5 months behind. I immediately called and Wells Fargo assigned a rep. he had me file a loan modification application which was denied in 2 days. Even though I now make more than I did when I applied for the loan. We were then offered and took the option to repay the loan if I could give them 3 months immediately. Which I did as soon as the bank opened the next day. I was told that I needed to make sure that I did not become 3 months delinquent. I made another full pmnt in XXXX. I went to pay XXXX payment and they put me back into foreclosure and returned XXXX pmnts I had made. Now they have me 7 months behind. I told them I now have XXXX payments that I can give them and they refused it. They admitted the error was on their part but are refusing to honor their agreement made in XXXX. Now they are charging me attorney fees as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation