BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: DISCOVER BANK
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
i am trying to explain my credit card company, discover card about my issue concerning a unauthorized charged from a sharing vacation company, named holiday vacation.i sent an email from the company as a proof saying that the have refund my money and cancel off my contract. i was trying to contact them, but i couldnt. i talked to my credit card bank discover and they say that they have made a decision about my case and not to refund my money. 

discover bank is not really helpful. they didnt research very well. 

i am very worry about that. please help me up with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
One day this account appeared on my credit report. I never received any communication from Consumer Adjustment company. This was my 1st time hearing from this company. I should had received a debt verification letter giving me rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Wells Fargo special interest free credit cards. XXXX problems with paying the card. 
1. When doing a monthly payment, one can not put in cents. This is a problem due to not being able to take the payment and dividing it by XXXX. One needs to calculate the first payment to include the cents of future payments because there web site can not handle cents on monthly payments. 

2. This is the most egregious. When setting up a monthly payment one can not set an end date. Thus, a year from setting this up, one needs to remember to cancel the monthly payment, else they will continue to take withdrawals. You then need to request that they refund your overpayment. 

3. Their web site is unaware of payments and will not allow monthly payments until current payments are processed. It took three days for me. This was annoying because I needed to continue coming back to the site so I could do monthly payment. 

4. Although the contact people were pleasant, they were hampered by the web site being poorly set up with restrictions that there was no solution to.

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 2023-08-17
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Discover Finance has been calling about my credit card debt. This is Sunday, XXXX XXXX. They have called XXXX times today. They call XXXX or XXXX times everyday. I have contacted them XXXX times by mail. I have explain why I can not pay pay now and proof of what I am going threw. They will NOT work with me. Discover number is XXXX XXXX XXXX. They peatedly use the phone to annoy me. Knowing I have very poor health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company Louisiana Recovery Service ( XXXX XXXX XXXX XXXX XXXX, XXXX, La XXXX ) was reporting a medical bill on my credit report. The high balance on the report was stated as {$1000.00} and the balance on the account was XXXX. After I made a big purchase ( and not getting the best deal ) I was told about this collection account on my credit report. After disputing this more then once with the credit bureaus it always resulted in updated report. Upon further request and calling insurance company I was informed that the billing amount for this service was {$1000.00} and after the insurance paid the balance was XXXX. This balance is still being investigated because I'm almost positive I paid this. Anyway, because of the new laws that they president implemented, this collection agency was falsely reporting amounts to keep this on my credit report. This is not fair and unjust!. I had to spend weeks to speak to all of the credit bureaus to get this removed.

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 2017-03-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX I attempted to make a on line payment agreement but in error I made a payment and a payment arrangement for the amount ( {$350.00} ), got a receipt of the transaction an realized it was wrong immediately called XXXX and spoke to a representative who fixed the issue but did n't reverse the full payment of the above amount. It hit may account after I was told it was taken care of by XXXX associate who set up payment arrangement but did n't reverse charges of full payment. Wellsfargo allowed the payment process even after I called to stop payment stating it takes 10 business days for them to investigate in the mean time my account is in the negative. Contacted both my bank and the merchant with no return call from either company. During this time I was charged for insufficient fund for XXXX accounts XXXX, XXXX and XXXX which I should not be cause it was due to insufficient funds the bank caused my account but now each one has charge me {$35.00} a piece for insufficient funds which I did not cause and was in the allotted time under investigation. I was told by an agent that all charges would be reversed and handled due to this inconvenience to me but they are charging me {$100.00} for insufficient funds which I did not cause while under investigation. I am very dissatisfied with the out come and need to understand why it was not communicated to transaction department or in my file that my account was under investigation for XXXX and that any money coming into my account was not a part of the status that the bank caused ( a direct deposit was made from work on XXXX ) once I informed them that I needed those funds reversed back to the merchant.

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 2015-09-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Earlier this year my VA Mortgage was transferred to Carrington Mortgage Services for unknown reasons from XXXX XXXX XXXX. I elected to refinance with Carrington and was assigned to XXXX XXXX ( Loan Officer, Regional Sales Ctr. Inside Carrington Mortgage Services , LLC ) back in XXXX of 2015. The refi had changed from cash-out to streamline throughout the process and after many failed attempts of attempting to get a hold of her and her supervisor ( XXXX ) I elected to start searching elsewhere after several misleadings by Carrington as a whole. For instance, XXXX left a voicemail for me on XXXX XXXX stating, " please give me a call wanted to find out if you 're going to be available for a closing we finally got the exception we needed ... '' I finally contacted XXXX approximately one week later letting him know that I would no longer be closing with them and that I 've elected to utilize a different company. XXXX stated that he would close out my application and in the mail I received a, " Statement of Credit Denial, Termination, or Change '' stating " Application Denied. '' I find this to be gross misconduct and misreporting on the bank 's behalf and request that appropriate actions be taken. 
Throughout the time that I was dedicated to the process with XXXX and XXXX there were numerous other ill-conduct actions on their behalf, such as in an e-mail on XXXX where I am told, " ... to not make your XXXX payment ... '' and on XXXX am told that I had to make that payment and that I misunderstood what I was told. In the early part of XXXX I am then told that the rate lock had expired and that my rate was being increased from 3.825 % to 4.125 %. I disputed that and it was brought down to 3.875 % as supposedly there is no 3.825 % which I had been signing papers for from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Difficulties regarding request for credit freeze

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 2023-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last XXXX I filed a complaint regarding Wells Fargo Bank. The problem involved a refund being posted as a payment, resulting in my payment due being shown online as {$0.00}. Shortly thereafter, I was charged interest on my account because I had not made the full payment. That complaint ID is XXXX. I stopped using that card with the intent of closing it once I had changed all automatic billing and the billing cycle had closed. I made my final payment on XX/XX/23 and had a balance of {$0.00} on my credit card account. However, when I checked online today, I have an outstanding balance of {$21.00}. Yet, no charges have been posted since I paid off the balance. 

I called WFB today and asked why I have an outstanding balance. The person told me, " We're having issues and someone will contact you in XXXX business days. '' At the risk of sounding cynical, I think the only issues WFB is having is when someone actually checks their banking records and notices that the bank is posting charges or doing other things to increase the bank 's revenue. As I said in my previous complaint, I think WFB is intentionally defrauding customers- again. And this time, I captured the screen shot, because I remember them stating last time that I was wrong, even though my calls are made " on a recorded line ''. Of course, they would not provide copies of the calls where I was told that the refund had been credited as a payment.

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 2016-01-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account as part of a new account promotion : {$100.00} for receiving {$500.00} in direct deposits within 60 days. After the opening of the account, Wells Fargo stated that I enrolled in the promotion after it ended ( which is not true ) and was therefore ineligible for the bonus. In response to a previous complaint ( attached ), Wells Fargo stated to me and the CFPB that I would receive the bonus if I fulfilled the direct deposit requirement. After the requirements were fulfilled, Wells Fargo is now stating that I am ineligible for the bonus, and has not replied to my production of their previous response to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This has been going on for 2 years ... .it never gets resolved because our mortgage continues to get bought out just as we are ready to agree to a deal. We have to take my ex wife off of the mortgage. She signed a quick claim deed and I was awarded the house in the divorce. We also need to have a mortgage reduction. Our home is severely underwater and it needs to be a valuable asset otherwise why would I stay? I mine a well be renting. The point is I like my home and want to stay. My mortgage has gone up drastically over the years to what I believe were corrupt mortgage companies refinancing my loan and charging high rates ... ..my complaint is that our new mortgage company Carrington is supposed to be giving us a loan mod that our last mortgage company XXXX XXXX agreed to but sold the loan before it went through. THis was the agreement : 1. My exwife XXXX XXXX would be removed 2. XXXX XXXX and XXXX added to the loan 3. Mortgage reduced to make it a valuable asset it was appraised twice by our last mortgage company and came to the new mortgage amount of {$270000.00} We just received in the mail the new loan mod from Carrington. They DID NOT remove my ex wife 's name. They DID NOT reduce the mortgage, they just differed {$69000.00} ... .which does not make any sense, it keeps us in the same boat we were in, living in a home that will NEVER be above water. Do you not understand that we could sell it on a short sale and you would be taking a loss of probably more than {$69000.00}?? If it goes to foreclosure you would for sure lose more than that! Why would n't you want to make this right, reduce the mortgage to fair market value and let me stay in the home I have already poured thousands of dollars into? We were told by our last mortgage company that the new company would honor the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My health insurance did not pay the claim originally because of the way it was submitted. I contacted the insurance co. And they resubmitted it and paid the claim in XXXX XXXX. I contacted the collection agency recently to ask them to contact the credit bureaus to say the collection was an error. They told me their client sent them an email in XXXX XXXX saying to continue to try to collect. I spoke with a representative on XXXX/XXXX/XXXX and they told me to fax the paid claim statement which I did. I just looked the account up online and it says I owe {$20.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
In 2010 my wife had medical coverage under my work insurance but she failed to pay the portion not covered by my medical insurance. Kings Credit services located in XXXX California served me court papers by mail with less than a week to respond and had placed a lien on my property. I paid the debt and they informed me that they would take off the lien on my property but failed to do so and 7 years later it is still showing on my credit report. The medical bills were not mine but my wife 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
VA assumable mortgage. Deceased veteran ; surviving elderly spouse with only XXXX income ; out of money and ca n't make payments. Mortgage was current at time of contract. Property under contract with good buyer who requested assumption packet from mortgage company, XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. Received assumption packet XXXX XXXX, 2015 and returned completed packet next day. After taking about 4 weeks to review the completed assumption packet and stating that it looked complete and good, XXXX sold the mortgage on XXXX XXXX, 2015 to Carrington Mortgage. XXXX transferred assumption packet to Carrington Mortgage on XXXX XXXX, 2015, but Carrington Mortgage refused to look at the packet or initiate a new assumption packet stating, " We do n't do assumptions. '' It 's a VA assumable mortgage. Veteran 's widow called XXXX VA office to complain. Carrington finally issues an assumption packet 2-1/2 months later. Widow would have been able to pay back payments and selling fees from the sale proceeds if XXXX had processed the assumption as they stated they would do or if Carrington Mortgage had not blatantly declined to cooperate in the loan assumption process. XXXX and Carrington Mortgage delays have caused great financial loss for this widow - unnecessary financial loss. I am a XXXX filing this complaint on behalf of the veteran 's widow who seeks to have XXXX and/or Carrington Mortgage pay the XXXX or XXXX ( it 's not done yet XXXX payments that were caused by their delay. Someone from a property management company has posted an inspection page on the kitchen counter so it looks as though instead of processing the requested VA assumption, the mortgage company chose to take action to initiate foreclosure. Please note, that at the time this property went under contract, the payments were current. This veteran 's widow has been wronged. Written by a XXXX with XXXX years of active business. I know it takes some time to process an assumption, but if XXXX had plans to sell the mortgage, they should not have told us that they were only 2 days from approving the VA assumption. Carrington Mortgage certainly should not have declined to issue an assumption packet or to review the completed assumption packet sent to them by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My purse was stolen from my car. I immediately went to Wells Fargo to cancel all accounts and set up all new account ( this was on Tuesday XXXX XXXX ). They assured me the criminals who stole my purse would n't be able to get into the new accounts. On Thursday XXXX XXXX, we saw deposits into my account and ran straight to bank. They say there are n't sure how they got the new account #. either the teller gave it to them or this group has someone working inside the bank to help them. Friday XXXX XXXX, my account is a negative XXXX. I will be leaving work early to go again try to figure this out.

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 2016-07-16
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was charged XXXX apparently for a XXXX. Cent overdraft fee. Then the " service charge '' that ive Never been charged before kicked in, resulting in the bank pulling my rent back into my account so they could charge me this " fee '' I canceled my account and will be banking elsewhere after 20 years of loyalty ... XXXX compass!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was sold from XXXX to Carrington Mortgage Services. My information was transferred over including my automatic monthly payments, but unlike XXXX Carrington has no way of making payments towards principal online if automatic payments are established. This means a physical check must be mailed in or a phone call must be made to make additional payments towards principal. To further complicate this issue, I was required to once again provide all of my bank information ( account number, name, routing number, etc ) despite Carrington already having this information, which is used to make automatic monthly payments.

Company response to consumer: Closed with explanation