BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: WELLS FARGO & COMPANY
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to the ATM at the Wells Fargo location in XXXX, IN like usual. The v machine has been extra slow the last several weeks and I 've just put up with the long line of cars that forms behind me whenever I 'm using it for deposits, however this time it took my money and miscalculated it! WTF? If the tellers did n't try to sell me something every single time I complete a transaction I might not hesitate to go inside so often, but dealing with them is almost more rotten then the broken atm! Please replace or service it asap! Thanks!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Good Morning, I bought a car in XX/XX/XXXX through a car dealership. My vehicle loan ended up going through the Santander Consumer USA XXXX. Although I never received any type of car note or statements in the mail from this provider ( ever ) I paid {$400.00} dollars every month to the company through XXXX. The initial loan for my car was {$17000.00} dollars roughly, which is why I insisted on paying {$400.00} dollars every month. In XX/XX/XXXX, I began to look for a home and once my credit report was pulled, it showed that I still owed this corporation {$10000.00} dollars. I did the calculations of what I had paid on the car so far and found that I had already paid this company {$20000.00} dollars so not only had I paid for my car in full, I had actually been overpaying them. My car ended up being totaled sometime in the earlier dates of XX/XX/XXXX, and once I began to having to deal with my insurance company, they informed me that the Santander company was now stating that I owed a total of {$11000.00} dollars and that any amount of money that I would receive for my car would go directly to this consumer financial group. I took it upon myself to call the Santander consumer USA company who went from {$10000.00} one day, down to {$9000.00} the next day, and {$2000.00} by the time that we got to Friday. I still refuse to pay this amount because I feel as though they are blatantly cheating me out of even more money that I do n't have. Upon further investigation by myself, I found out that the Santander company was already being investigated federally. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX, I received a letter from Cooling & Winter Attorneys about a debt that I do not owe them. I responded back to the letter within 30 days as requested. I asked for them to verify the debt and send me all original signed documents. They did not send me any documents with my signature. Instead they sent me a copy of some documents they got from the XXXX County court. The court documents show a total balance of {$2100.00} for all costs but Cooling & Winter document says the balance is {$2600.00}. The fair debt collection practices act says that a creditor must provide me with original documents if I request them. They must verify the debt before attempting to collect the debt. They are also in violation for trying to collect more than the original balance. This debt was disposed XX/XX/XXXX and they are still trying to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year after XXXX got caught messing with my escrow, the CFPB helped me out and got them to make some sort of terms with XXXX. As a result of this, my mortgage was sold to Carrington Mortgage Services. This year, Carrington cleaned out my escrow again, just like XXXX and now has decided that there is a shortfall. With little notice or opportunity to put money back into my escrow, they have elevated my escrow payment to more than I am paying on principal and interest. I feel that they are trying to cause me to default or fall behind on payments with the intent of charging fees and such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/23 deposited check from the XXXX  XXXX XXXX in the amount of {$4000.00} and was told funds available 24 hours later. The checked cleared on XX/XX/23 to Bank of America. As of XX/XX/23, BOA has placed a hold on the check to clear on XX/XX/23 with proof of the check provided to me from the XXXX  XXXX XXXX shown to XXXX XXXX, Manager, BOA at the XXXX XXXX, XXXX, CA. XXXX XXXX could not offer a logical explanation of why there is a hold on the check until XX/XX/23. 

Three visits to XXXX XXXX ; three visits to the XXXX  XXXX XXXX with no resolve. Both managers were getting paid ; the depositor, me, and attorney not getting with 3-4 of my time. Check deposited in my checking account immediately and a minimum of {$500.00} for time.

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 2015-08-28
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred to Loan Care when we closed on our home. Loan Care did not accurately project the property tax in our escrow analysis and when taxes were due we did not have enough in the escrow to cover it. Without contacting us, Loan Care advanced the additional amount to pay the taxes and added the shortage into our monthly payment as well as increasing our monthly escrow payment. Our mortgage payment had nearly doubled. The amount of taxes paid turned out to be incorrect. The XXXX had mislabeled our property so we reached out to them and they recalculated our taxes at our request. We received a refund for the overpayment and contacted Loan Care so we could apply the refund to our escrow shortage and adjust our escrow/monthly payment according to the recalculated tax amount. We have applied the refund to our escrow shortage but to date the corrected tax amount for our property has not been updated by Loan Care nor has our escrow/monthly payment been adjusted. We are still paying their increased escrow payment for property taxes that are more than {$1100.00} in excess of the actual tax amount. We have contacted Loan Care for resolution several times over the last few months. None of the customer service representatives at Loan Care have been able to help us, no managers or supervisors are ever available to take our calls and even though we have emailed the requested documentation to their tax department and followed up on that email, we still have not received any communication from anyone who will help us resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I attempted to wire transfer the remaining balance for a XXXX to the XXXX company from my branch office at BBVA compass on XX/XX/2016. Wire transfer paperwork indicated funds available on XX/XX/2016. On XX/XX/XXXX when the funds had still not arrived in the recipients bank account, I requested a trace through BBVA. At this point BBVA still does not know where the money is, and can not produce any proof that the money has been transferred from the intermediate bank to the bank in XXXX XXXX. BBVA Compass system for tracing the money is almost guaranteed to be non-productive. I have spoken to the wire transfer department twice on the phone, to be told on each occasion that they are not allowed to tell me anything - that I must speak to someone at my branch office. I have spoken to a branch associate every day for the last 7 business days, and while she has been very polite - she is not capable of doing anything any more that sending a request to the same wire transfer department that is not allowed to tell me anything and wait for them to resolve the issue and revert back to her with an answer. I have spoken 4 times to my personal banker that BBVA Compass assigned to me, and the only assistance that the personal banker is able to offer is that this will be resolved, but she is unable to perform any more research than the branch associate. Yesterday I met with the VP of the branch that I bank at with the same results. The VP of the branch indicated that it would n't matter whether I spoke to her boss, or her boss 's boss, they would all be dependent on the wire transfer department to resolve the issue. The intermediate bank is XXXX XXXX XXXX, and none of the personnel from BBVA that I have spoken to has ever picked up the phone to speak to a representative at XXXX XXXX and secure a copy of a confirmation that XXXX XXXX has forwarded the money. 
The current steps that the bank are taking are to try and retract the money back to my account. The system for retracting the money is to send a request to XXXX XXXX to be forwarded to the original destination bank to request to get the money back. Given that BBVA has no idea if the money is still at XXXX XXXX or lost at the destination bank, and is unable to show any proof or confirmation documentation of where the money is other than not at BBVA, I dont have much faith that I will ever receive this money again, or ever learn of its final destination. 
XXXX - there should be a better system in place to ensure that banks that make international wire transfers should have to be accountable for knowing where the money goes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan stated with XXXX and was quickly sold to XXXX XXXX XXXX who just sold it to Carrington Mortgage Services. XXXX had applied and according to the letter they sent me on XXXX XXXX, 2015 that HUD had approved discontinuing MIP. They sent me a letter stating my annual escrow review had been done and my escrow payment was {$190.00} but was going down to {$100.00} per month. I made my XXXX payment through an Escrow company and the check was cleared XXXX XXXX, 2015. I received a letter from Carrington stating no monies had been received. I verified with the Escrow company that the payment had been made and cleared and then contacted Carrington. I was again told no monies were received only after a lengthy discussion did the customer service rep finally admitted they did have the payment. She stated it not applied because they the amount was insufficient according to their records. I shared all the dates and statements I had received from XXXX and was told that she was just trying to keep me from being foreclosed on. She also told me not to talk but to listen to her because if I did n't make a payment right then the rep would not help me. She also tried to make me pay the entire payment until we had another long discussion that they had the entire payment less {$85.00}. She accepted my checking information and only after she had it did she inform me there would be a {$15.00} fee payable to XXXX XXXX. Giving the media attention regarding issues with XXXX XXXX I objected and was told I had no choice. I asked how this could be resolved and was informed it was up to me to provide Carrington with all the documentation including those sent by Carrington. She gave me a phone number to the research department that turned out to be a non working number. I also asked to speak to a supervisor on several occasions and was told no each time. She took my phone number and said a supervisor would call it has now been XXXX days and no return call. I was also informed by a XXXX customer rep that all the information regarding the MIP and escrow changes were provided to Carrington. He also refused any assistance stating they had closed out the loan so it basically was n't their problem. When I spoke with the Carrington customer service rep she informed me that she found no such records, Ironically on XXXX XXXX, 2015 Carrington issued me a check for a Escrow refund, my question is how did that happen? I have read numerous complaints from individuals who had their mortgages sold by XXXX to Carrington and a vast majority report numerous issues with Carrington. This is a FHA loan and the government needs to investigate this company and it 's practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 6048 A section 2 Consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer plan has late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been trying for at least a month, to update my online password after it " expired '', but nothing I enter that would fit their criteria works. I 've made up passwords I 've never used before, made sure a person 's name on the account was n't used, the capital letter, small letter, special character, numeric, and at least XXXX characters long. Nothing works. I 've been trying to pay my loan and now there is a recording saying they are having technical difficulties and higher than expected call volume and to " call back later '' then click. I am not sure why XXXX sold my loan to them, but they have been nothing but a problem to make a simple payment online. There is no other phone number for technical difficulty. This all looks like a scam to charge a late charge or XXXX XXXX charge to me. I do not know why they think they need to decide for me, that I need to change my password, as long as it fit their criteria once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Last year, when I was facing some severe financial hardship, Discover Card customer service admirably assisted me by reducing my rate to 12.99 %. I did not realize at the time that this was only a temporary measure. Today I opened my Discover Card bill and found that a check I had mailed out on XXXX XXXX was not posted to my account until XXXX XXXX, fully two days after my payment due date, and that my interest rate had shot up to 22.24 percent. In comparison, it took XXXX XXXX XXXX two days to post my check payment to my account with them. Both checks were mailed the same day to the same city : XXXX, North Carolina. I immediately logged into the Discover website to reach out to their customer service department. CSRs XXXX and XXXX gave me some facile, patronizing, dismissive answers about why it took over two weeks for my check payment to clear & why my APR increased so drastically and suddenly. According to XXXX my rate was raised to a usurious 21.99 % because I had missed one payment in XXXX, FOUR FULL CALENDAR YEARS AGO, followed by a further .25 % increase due to the Federal Reserve 's recent rate hike. I have paid early or on time every month, at or above the minimum required payment, my credit rating is the highest it 's been in years, then their company almost doubles my APR and then offers to " reduce '' my rate to slightly above 20 percent, a disgraceful slap in the face of a customer who has been nothing but loyal to their company since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I recentally went though a financial hardship and got behind on my Discover credit card. My acount was understandably suspended. I was able to get things back on track around XX/XX/2015. I spoke to a Discover card employee and explained my situation and advised I was able to pay my balance in full but asked if there was any way to get my account reactivated. She advised me that after 3 months of on time payments I could call and request to have my a count reinstated so I followed her advise. After 3 months I called to follow up and was told it was 6 months and I had to fill out paperwork which he would mail to me. A month later I never recieved the paperwork, called back in and was told they would mail it to me again. Now yet another month later, and no paperwork, I called to follow up and was told there was no paperwork involved and the computer automatically decides what accounts to reinstate or not reinstate at random. I am trying my best to get my credit back on track and make up for my mistakes but Discover has continental to play games with me and give me false and varrying information each and every time I call. Had I known this I would have paid the account and closed it months ago but instead I followed the false advise I was given. I am very disappointed in there lack of customer service to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I started an account and had every intention of using the account. My other accounts have XXXX figures in them. About XXXX months ago I started receiving {$25.00} fees on the account. When I called in 60 days ago the representative told me that she fixed this for me, I would not receive any more fees and credited me back the {$50.00}. Now I have received those fees again and they are refusing to credit me back those fees. Call XXXX XXXX, XXXX told me that he assumed I was given proper counseling to avoid this situation and that is incorrect. I have been with Bank of America since the XXXX 's and I can not believe I am being treated this way, especially by a member of management. Being in customer service myself I know that they are better than this as I have never had poor service like this in the past. I am requesting that the {$50.00} be credited back 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 monetary relief
Consumer complaint received 2017-01-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My husband and I 's minivan was totaled in XXXX of 2016. Someone without insurance ran a stop sign and hit the back end of our van, even causing it to somehow catch on fire! Anyway it was considered a total loss. Thankfully we had GAP insurance. Come to find out that our GAP insurance company did not pay the full amount they were obligated to pay. I talked to both the lein holder and the GAP insurance company and both parties were saying that the other one was wrong/had the wrong amount that GAP needed to pay to cover the remaining balance of the vehicle. Eventually there was a balance with accrued interest left on my account with the lien holder and it went on my credit report as a 30 days late payment since there had been no payment. I had to end up paying XXXX dollars just to prevent the account from going 60 days past due. Although my lein holder was sympathetic to my situation they have refused to remove the 30 days late payment from my credit. During all the talks I had with them -- they did admit it was the GAP insurance company 's fault that my account went past due and since then they have wrote off the remaining balance on my account which was about XXXX bucks. But i still have this issue with my credit report.

Company response to consumer: Closed with non-monetary relief