BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been divorced since 2006 and my name is still on my ex wife 's mortgage she has had XXXX late payments that are now on my credit report how do I get rid of them?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a tri-plex in XXXX. My first mortgage is with XXXX Mortgage and is in good standing. I have less than {$7000.00} left on this loan so I should be done with payments in XXXX. I took out a second ( home equity line of credit ) on the property of {$200000.00} in XXXX with Wells Fargo to help with expenses at my restaurant. When I closed the restaurant in XXXX, I got a one-year modification from Wells Fargo, reducing the payment in half. After the year was up, I was still unable to pay the full payment of {$1400.00} and re-applied for another modification with Wells Fargo which was denied. So I just continued to pay the original modification amount of {$710.00}. Wells Fargo accepted these monthly payments for the next seven years. I got a couple of letters from them regarding my delinquency and bankruptcy in XXXX and XXXX but they still continued to take my payments. I got paperwork the other day for the beginning foreclosure process. My complaint is, why did Wells Fargo continue to accept the partial payments for seven years knowing that they were going to forclose on the property?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Three weeks ago I was contacted by XXXX c/o Transworld Systems , Inc. regarding a school loan debt. I informed them they had the wrong individual and gave them my information which did not match what they had for the debtor. Just this morning my employer notified me the company is trying to garnish my wages even though the social and address of the debtor does not match. They also gave my employer the other ladies social and personal information. I have been stressed out all morning this company has been harassing my employer and myself and they do not have the correct individual. They have asked my employer for my social and what I make etc. 

I filed a complaint with the Attorney Generals office who sent a letter to the company a few weeks ago and the company responded saying they had no clue who I was and has no collection acct. for me however, they sent my employer a letter stating that they needed to garnish XXXX % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
We were ignorant enough in 2007 to take a XXXX mortgage with HFC bank. We had had some medical and other financial issues, and they sold us on refinancing through them. In retrospect, it was a very bad move. They came in and appraised our house at XXXX. We signed a mortgage at 10.5 %, as they told us our house would increase in value and we could refinance at a lower rate. Well, the bottom dropped out of the market, and we are still stuck with an underwater mortgage at this usurious rate. We can not refinance because the market has not come back. We owe {$250000.00}, but that is more than our house is worth. HFC will not allow us to refinance at a lower rate, even though the prime rate has been very, very low. I am wondering if there is a way to refinance this loan at a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: FL
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX WELLS FARGO 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 2016-05-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage payments. Try calling Wells Fargo before. About the programs they mail me stating what they can offer. Here is the following, Reistatement Repayment plan Forbearance plan Loan Modification Each program I was told I am not eligible, without explanation. See I try to work with them to prevent me from going into forclosure. However, Wells Fargo refuse to help me and is only giving me to XXXX XXXX to pay or they are going to foreclose on me. I am facing hardship and requesting help.

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 2015-09-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted complaint on Wells Fargo. It seems like the only difference is Wells Fargo continues their deceptive practices right under this agencies nose. I have been sending the same documents to them for close to 5 years now, to no avail. It is obvious to me that no one is going to dig deep enough to expose their deceptive practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this letter to explain the unethical practices that my current home mortgage servicer Select Portfolio Serving Inc. is ding with my loan and ultimately life. I apply for home assistance program due to changes in my financial circumstances. When I applied for the program, Select Portfolio Serving Inc. qualified me for home assistance program. After going back and forth several times, Select Portfolio Serving Inc. informed that, I do not qualified for program without a valid reason. I was working with a representative name XXXX XXXX, he informed me that Select Portfolio Serving Inc. do not participatXXXX in Home Affordable Modification Program HAMP government program and he had not seen anyone getting awarded this program from Select Portfolio Serving Inc. Then I inquired that, if they have other internal modification program and he responded that Select Portfolio Serving Inc. does not disclose that information. Select Portfolio Serving Inc. has informed that soon my house will be on foreclosure. It is extremely difficult to work with Select Portfolio Serving Inc. as they are not listening to me at all. This is very unfair to a hard working like me and substantially injurious to my family. As a consumer, I feeling that I absolutely have no power over these huge financial firms. 
I am a hard working individual and live in the home with my wife and XXXX kids. I do not want to lose my house and even more, I do not want to be a prey to unethical behavior of Select Portfolio Serving Inc. As a regular of law, please assist me in correcting Select Portfolio Serving Inc. unethical behavior, so they can work with me on my loan modification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
American Express made a " hard pull '' on my credit bureau ( I checked with XXXX ) for a credit card replacement. I did not apply for credit. 

Spent 4+ hours straddling between Amex Cust service and Amex Cedit Bureau division. One department would send me over to the other in a seemingly perpetual loop. Finally, XXXX from the Credit Bureau dept. asked that I send a fax to their investigative team. I did not hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical claim that was considered at a in-network benefit and XXXX XXXX XXXX XXXX XXXX XXXX processed as a out-of-network benefit. Insurance advised not to pay the difference of XXXX and a dispute letter and appeal claim was opened on XXXX/XXXX/15. Because the charged amount was not in allowance and was billed at 780 % over XXXX allowance an insurance fraud review was opened. XXXX XXXX XXXX XXXX XXXX XXXX was advised to accept previous payment of myself and insurance. No additional bills were sent, and insurance company nor myself received an appeals response from XXXX XXXX XXXX XXXX until this collector letter was received by myself on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I attended XXXX in XXXX Texas for the lvn program in which I began in XX/XX/2016. We were convinced to take out a private loan in which they breach their contract by shutting their doors with no notice in XX/XX/2016. I strongly believe I should not be held liable for paying the private loan in which I was not able to complete the course. I decided to to continue the teach out plan and will decide to enroll at a community college in three near future. If possible get the money I already paid to the private loan. When we contact the lender they have no option for us for forgiveness instead insist we will still owe as they already paid their funds to the college. I feel this is no fault to myself and wish for this to be clear

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have over XXXX American Express membership rewards points ( value of over {$1000.00} ) that I have earned and that appear as available on my account to use for travel booking and transfer to travel partner programs. However, American Express will not let me use or transfer any of my points as they advertise. Their website tells me my transfer requests can not be completed and when I called their customer service line to find out why, I was told that although my account is in good standing, it is " under review '' and no points can be used until the review is over. The rep could not tell me why it is under review or what the review consists of, nor could she put me in touch with anyone who could provide more information. She said the review process takes 6-8 weeks, but my account has been under review since XXXX/XXXX/16, which is already almost 12 weeks. She could not give me a date or any indication of when this review period would end and I would be able to use the points I have earned. There is a {$450.00} annual fee for the American Express Platinum card, plus another {$170.00} fee for adding authorized users, both of which I have paid. For that price it is unacceptable that I can not use the rewards that the card earned, with no information whatsoever about the reason or the date that they will be restored. Award travel needs to be booked far in advance, and the inability to use my points now will cost me in terms of price and availability of the travel rewards I plan to redeem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Constantly getting calls from HSBC Collections. XXXX for XXXX Credit Card which was paid in full. This account shows on my credit report that it was paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone stole my identity and purchased phones from XXXX. In an out of state store. I have n't been out of state to purchase phones. 
This was a criminal act and I advised them of it. They still want me to report it to the police department. I do n't know when or where my identity was stolen to purchase these phones. If the company even took the chance to check to see if the person was actually me they would n't have sold the phones. They are messing up my credit with a {$1300.00} debt on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls XXXX times a day, leave messages to return the call, I spoke with a rep XXXX XXXX, 2015 advised her of the calls, also in violation fdcp laws and guidelines, gave her my attorney name and contact number as we 'll. after I hung up with her XXXX was the name of the rep, she called or the company left another XXXX messages. This is harassment I do n't understand. This company calls and leaves messages XXXX to XXXX times a day I have proof as we 'll

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Solidus Group LLC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX XXXX. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with XXXX XXXX XXXX. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was a victim of identity thief. The credit card company called me and told me they stole my credit card number, and they were doing illegal charges. The credit card company told me to file a complain for all the illegal charges, and I did. Since that incident, I did n't use the credit card, and three months later I still had a balance on the card and fees for charges that I did n't do. It is affecting my Fico score just because the company does n't want to do the job. The customer service has been a nightmare. We called at least XXXX times, and they still did n't fix the problem. Should I sue the credit card company for damage?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2021 {$830.00} Unauthorized banking transactions, US Bank decided without our notification or approval to provide us money so we could receive our full stimulus money. Upon giving us money again without our consent or notification, has now taken over {$800.00} of our money away having now left our banking account in the negative which will allow them to take over draft fees at their own convenience further putting our bank account in the negative. We have bills that need paid, we are unable to pay bills and US Bank claims there is NOTHING they can do because they sent out notifications on this. They did not, we did not get any notifications on this matter and we would have certainly not given our consent in this.

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 2016-06-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I defaulted on my mortgage because the monthly payment and the interest rate increased from one day to another, making it impossible for me to stay afloat. 

I have tried to do loan modifications and many other alternatives for my house not to get foreclosed on but the bank is not willing to cooperate. 

I feel that I was done wrong by the bank and there might be some fraudulent activity on the bank 's part.

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 2016-10-19
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My name is XXXX XXXX, and I have XXXX mortgage accounts with Citimortgage, and the XXXX mortgage is being reported to the credit bureau incorrectly. Because of the incorrect report, I am being prevented from getting any additional credit line from other creditor like XXXX bank. On the XXXX mortgage there is XXXX amount due until 2024, and yet Citimortgage is reported on a monthly basis the full loan amount is due to all the major credit bureau. Citimortgage is reporting {$24000.00} due on every month when in fact my due amount is {$0.00}. I applied for a credit card line of credit to XXXX bank, and I was denied on a basis of " Obligation is too high base on my income. I have asked Citi Mortgage to correct the reporting on many occasion, but there research dept is refusing to correct the reporting. I am seeking the help of CFPB. Citimortgage has no right to misrepresent my record which prevent me from receiving additional credit line approval. This mortgage has been in existance for 22 years, and now I am getting wrong reporting on my behalf which cause me harm financially.

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 2016-05-18
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with XXXX Citi representatives in XXXX and XXXX XXXX that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 2016-10-11
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am concern about the difference in XXXX difference collections agency reporting difference amounts from the creditor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX on XXXX/XXXX/XXXX total due is XXXX and Afni total due on XXXX/XXXX/XXXX is XXXX. I would like a detailed statement for the charges.

Company response to consumer: Closed with explanation