BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a modification with my servicer Wells Fargo and was denied due to not making enough income. At the time of the denial I was making XXXX and my wife XXXX with a total of XXXX, my mortgage payment is {$1900.00} which would be a ratio of 18.15 % which to my understanding from my Investor " XXXX '' that would be too much income for any Government modification ( needs to be over 31 % ). However, I was denied due to not enough income. I need to inform you that I have XXXX credit card and automotive debt, it is just my mortgage payment and household bills. 

In the meantime of going back and forth with Wells Fargo, I XXXX XXXX lost my job and my wife XXXX XXXX actually got promoted. As you can see the income has changed yet again and when I tried to inform Wellls Fargo and re-apply they informed me that I need to make {$15000.00} per month to qualify for assistance. If I was making that amount I would not be delinquent, let me remind you {$1900.00} is my mortgage payment and balance is {$260000.00} and I am now delinquent abut {$48000.00} which is a total of {$310000.00}. My new household income is {$5200.00} which would put my ratio at 37.87 % and according to my Investor would be good for a modification. I ca n't get Wells Fargo to review my account or have them look at the new figures, when I asked what was the debts used due to the possibility that they could have transposed some numbers incorrectly I was told that they do n't have those numbers. 

I just need help saving my home and Wells Fargo is stonewalling me for some reason. Please help me save my home. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against Astra Collection and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. Astra now has sold the debt to XXXX XXXX who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. XXXX XXXX can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Greentree and now Ditech both have failed to properly apply extra monies from my monthly payments to principal. After numerous complaints to them to correct the issue I still do not have my account updated and corrected. 
- Writing how to apply funds on check and statement and mailing it. 
- Calling and having them to document it. 
- Using their website ( auto pay ) they took more than authorized twice. 
After going them the required 30 days to look into the matter, they sent me a payoff quote that was no different than what I could pull off their web-site. There was no adjustment and no comments on looking into the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently limited/locked my account on XX/XX/22, even though I had uploaded my driver license for verification. In the notification I received, without any details or explanations, PayPal just claimed it was due to potential risk. However, I only used my account to make some small transfers in my household recently. The service fees were also charged by PayPal for each transaction. After ID submission for verification, I did not see any potential risk on my account. I called the customer service and the representatives said they could not help on resolving this issue. I am sure I did not do any fraud and can provide any document for verification purpose. Since my PayPal account has been used widely in my daily life, this wrong permanent limitation has caused me a lot of inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get the company to pay the outstanding real estate tax bills since XX/XX/21.

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 2022-11-05
Company: Bread Financial 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 information incorrect

Complaint:
They said that all reporting on accounts takes up to 45 days. I let them know it's been over 45 days and they sent the same thing. Nothing had been updated to the credit bureau. I have 4 different accounts with them that all have been paid off in full for months and they have not updated anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have tried to contact NETSPEND/XXXX for 2 days about a prepaid card that I was actively using and having pre-authorized bills payed. I can no longer log into the account and when I called the automated response says the card has expired. The card is valid Through XX/XX/2023. Would you please investigate this matter. 

Thanks iXXXX 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 2015-10-19
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX. 
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low. 
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default. 
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit. 
Lastly, we were threatened with foreclosure if we did not accept the modification. 
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan. 
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means. 
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX. 
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender. 
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan. 
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed. 
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home. 
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: WELLS FARGO & COMPANY
State: NC
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:
I have a VISA CREDIT CARD with Wells Fargo. I noticed in XX/XX/XXXX I was being charged Interest on Cash Advance. I emailed Wells Fargo about this. I informed them that I have never done a cash advance or do I have a pin number for that card. This card has never been in a ATM. Wells Fargo stated that the cash advanced fees were on purchases. When I went on line to print my transactions for XX/XX/XXXX I could only find two ( 2 ) all other information is gone. 

XX/XX/XXXX amount {$23.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance

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 2015-08-19
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The debt collector repeatedly continues to contact me on my work phone at my work after I instructed them that my employer does not allow these types of phone calls to occur. I received another phone call today from XXXX while at work. She then threatened me by stating that since I had not sent a payment that the collection proceedings would need to continue. I have left repeated messages for the billing department at XXXX to set up a payment plan and no one has returned my call. XXXX called the main phone number today instead of my direct line like she used to do and spoke with our receptionist and was transferred to my phone, so I am unaware of how much she told the receptionist on if she was seeking to collect a debt. This is the third time I have asked them to stop calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2022-11-05
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I recieved a deposit to my Venmo account earlier this year for {$45.00}. When I attempted to withdraw my funds my account was locked. It was then unlocked and I regained access. Upon regaining access I tried to withdraw and my account was locked again. After weeks of correspondence with Venmo I was advised that I violated the user agreement. I was then contacted by someone stating that I had another account with a negative balance and that they were keeping my funds to cover their losses however, Venmo is a prepaid service. There is actually no way for an account to become negative. You can only send or receive funds if funds are available. After stating this fact as well as telling them that I only have one account and any other accounts would've been open fraudulently, they refused to tell me how I violated the user agreement. They refuse to explain to me specifically how they are justifying their keeping my {$45.00}. I continually get the run around. They haven't provided me with an option to prove that this other account is not mine nor have they provided me with specifics re : how I violated their agreement. 
They are essentially stealing my money and not telling me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Global Credit & Collection Corporation
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Unfortunately, I had lost all sources of income and fell behind on my bills. XXXX credit card in particular, XXXX bank unfortunately defaulted. During this time, I had applied for social security beneftis, and after the default, I was approved. Once my income was secured I called up the collection agency handling the account to resolve my debt. They had agreed to a settlement amount of {$2300.00} vs. the balance of about {$3100.00}. I still only receive $ XXXX month so I asked if I could pay what I could afford toward this settlement amount. They said I could, and I provided my account and routing number to establish a routine transaction. Six months later, I find out that they are not willing to honor the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: First Data Corporation
State: IA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a telephone solicitation from XXXX offering to handle our credit card processing at my business. I asked if the agreement was cancel-able and was told yes. I received equipment from the companies provider and one of my employees set it up and started to use it, but I disconnected it, and called XXXX to cancel. All equipment was returned to First Data. It took many weeks to get XXXX to cancel and in the mean time my bank account was charged for lease payments. I called First Data Systems to tell them I had cancelled but was referred back to XXXX. First Data is now trying to collect XXXX dollars for the cancelled lease. I requested they stop withdrawing payments from my bank account but they continued to do so I finally got the bank to quit accepting their debits. First Data have turned this over to a collection agency who says they will charge us XXXX dollars to settle and garnish our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Liberty Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Liberty Credit Services has attempted to garnish XXXX different bank accounts of mine on a debt that is past the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage Servicing Company, Shellpoint Mortgage Servicing, made a mistake when it paid my insurance renewal premium not once but twice in XX/XX/XXXX. It paid the insurance premium from the loan for the property to be insured and again from my other property 's loan ( which was already insured with a different insurance company and was not due for renewal until XX/XX/XXXX ). Then Shellpoint did an escrow analysis for XXXX properties based on the incorrect information generated by its own mistake and increased our mortgage payment for XXXX properties by nearly $ XXXX/mo total. When the insurance company refunded the overpayment, Shellpoint credited the wrong account. Despite my efforts to sort this out by phone on XXXX different occasions, nothing has been done to remedy the situation. I am just getting the runaround. No one ever does what they tell me they are going to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint Mortgage Servicing ( shellpointmortgageservicing.com ) incorrectly took extra interest from me that was not theirs TWICE. The first time, they applied extra principal I added to my monthly payment to interest. I tried to resolve this by phone which supposedly would take a few days. When I logged on to my account a few days later on XXXX, I noticed Shellpoint Mortgage Servicing postdated my extra mortgage payment nearly a month ( from XXXX to XXXX ) and unfairly took an extra month 's interest once again. I noticed this by checking my payoff amount, reduced by more than extra month 's interest ( see attached documents ). Mortgage companies must ensure that they are able to apply principal payments correctly and timely so consumers are not forced to pay interest not due, in my case, paying two months of interest in one month. Does Shellpoint have the ability to fix this issue in accordance with fair lending practices, compliant at the state and federal levels? I request that my principal payment be applied at the time it was received by the company and the payoff be amended to its real amount. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2015 I was contacted via phone by a representative of Credit Management is regards to an unknown debt. I advised the telephone rep that I was unaware of the debt and asked that Credit Management send me verification of the debt and not contact me via phone as it was not convenient for me. The telephone call was the first and only contact to me by Credit Management. I was never sent anything in the mail as required by law with my right to dispute. I mailed a written request for validation on XXXX/XXXX/2015 ( sent certified mail with tracking number XXXX XXXX XXXX XXXX XXXX ). Within a few days Credit Management then start reporting the account on my credit report.The dispute letter was delivered on XXXX/XXXX/2015. To date I have not received a timely response from Credit Management regarding this debt nor have I received an initial correspondence indicating my right to dispute as required by law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-10
Company: North American Credit Services
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent me a letter ( attached ) stating they will removed from credit, reports, still on my credit reports.This is not me, request validation this company could not provide

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I receive a check written on Bank of America from an attorney for refund the of products furnished. The bank of America branch near my home would not cash it because I wrote my name on it instead of him XXXX handwritings then they want to charge me for cashing their on checks. I thought in U.S. 
that banks had to honor their customers checks written on their bank. 
bank of America say they are bigger than us and do not adhere to any regulations they set their own regulations.

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 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, Our company, XXXX XXXX XXXX, XXXX took XXXX deposits, XXXX in the amount of {$2900.00} and XXXX for {$9700.00}, to our bank Merrill Lynch for which we received dated and initialed receipts. When we got our bank statement, these XXXX deposits were not credited to our account. We talked to the tellers, and account representatives about these missing deposits. We were notified that the person who is supposed to scan the checks thought it was done and shredded all the checks on these deposits, therefore, the money is missing. The bank did agree to call all of our customers and let them know what happened, to try and recollect this money. We have had really upset customers calling us telling us that they do n't trust our bank enough to want to send a XXXX check. We have collected a majority of the money, but are still out {$2000.00} of this money. I always thought that if we have a valid receipt for the deposit, it should be put in our account. The bank told us that they will not put the money in our account, even though they know they are the ones who lost the money.

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