BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: Arbor Residential Mortgage LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter today, XXXX XXXX, 2016, that the servicing of my mortgage loan is being transferred, effective XXXX XXXX, 2016, from Seneca Mortgage Servicing to XXXX XXXX XXXX. This is a horrible nightmare for me!!!!! XXXX serviced my mortgage in the past and tried to take my home away from me. They had a racket going. They were putting part of my house payments into some other type of account and turning me in to the Credit Bureaus as nonpay! Fortunately, I caught them after only two months of this, but had to hire a lawyer to try to deal with them, as they were absolutely impossible to deal with! I also had to hire a company to help get this straight on my credit, which was another nightmare. I researched online and found out that XXXX had scammed many people out of their homes with similar tactics, then sold them out from under them. Even people who were retired and were caught totally unaware!! Due to the horrible experience I had with XXXX, I DO NOT WANT MY LOAN SERVICED BY THEM!!! What can I do to stop this???????? Need a prompt response!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a text message from well fargo asking if I authorized a XXXX payment for {$1500.00}, I responded no and not a minute later I received a phone call from WELLS FARGO XXXX ( same as the number on the back of my atm card, ) I answered and they stated this was wells fargo fraud dept. I was in the middle of stocking a grocery store and didnt get a name. The male stated to receive my money back he would send me a code to refund the XXXX back to me. I received a code via text message and gave him the code. He stated it could take 24 hours to see refund, we ended phone call. 
nstantly my account had a XXXX  transfer of not only XXXX but {$2000.00} GONE!! Right away I called Wells fargo fraud dept, My account was completely drained! A Claim was filed. 
Wells fargo decided since I gave the code I authorized the transfer. Absolutely absurd! An escalated file was claim, and again DENIED! 
Here we are mid XXXX and we have been robbed by wells fargo and XXXX. We are a family barley making it, this was all we had at the time. Myself and my wife members since XXXX will be leaving the bank we trusted with our finances

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 2022-07-11
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I signed up for a checking account with CITI bank two weeks ago and was approved. I scheduled to have a deposit deposited into my new account the following Wednesday. I tried signing on to my mobile app and was restricted. I called and they said it was for a security alert and to wait for a letter in the mail to give them the reference number that was in the letter. I waited a week for the letter to come and was finally able to give them the number. They said the block would be taken off within XXXX hrs but it never was. I got my debit card the same day I got the letter and was able to use it for a few hours before a block was put on that as well. Since then I have called at least 10 times and they have asked me for my moms maiden name and the first school I went to and the number associated with my account and after providing them with that info they proceed to tell me that Im wrong that my moms maiden name isnt what it actually is and then they disconnect the call. They dont explain where the error is and or how to fix it. They just tell me that they are discontinuing the phone call and hang up. The closest branch is over XXXX minutes away so they are essentially holding my funds hostage in regards to what the problem is and or how to correct it.

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 2020-03-07
Company: Total Card, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/20 I hired a credit repair company ( XXXX XXXX XXXX ) to request a good will removal of late payments for my Total Visa Credit Account ending in XXXX. Approximately 2 weeks later I received a notification from XXXX  that a settlement on my credit account was process and reported as a result. I immediately contacted XXXX to make sure that they in fact did not request a settlement of the account but a good faith late payment removal that occurred over 48 months prior. The representative assured me that they do not engage in debt settlements and that there must be an error with the creditor. I then contacted Total Visa Credit to explain to them that I did NOT authorize a settlement and requested that the account be reinstated so that I could pay any balance that was remaining on the account. My request was denied with no documentation that I requested as they stated that the information had been purged from their system. This means that they have not complied with the record retention requirements for consumer credit disputes. I would like the account to either be reinstated allowing me to pay the balance in full and or the negative reporting removed from my consumer report with all 3 credit bureas. To further note, the account has been current and not delinquent for more than 36 months and therefore there was no need to request a settlement. As a result I have been unfairly, and deceptively been harmed by this consumers practices and or failure to provide and or retain records as required by the consumer regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been calling, leaving messages, and, no one has contacted me back about my son getting credit for overdraft fees for amounts of {$8.00} but no morer than {$18.00}, he is suppose to get back this year for those overdraft fees charged @ {$34.00} each. Since Chase no longer wants to do business w/him, and is going to close his account out this year, I wanted him to get his credit back for incurred overdraft fees on his account.  <P/> I am asking that Chase give him his yearly overdraft fees credit back before they finalize his claim. Being, it has taken Chase 5 months to give him his direct payroll check deposit money back. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an acc ount   XXXX   XXXX    BrandSource card and Citibank took over. With   XXXX   XXXX   I had credit protection on the card. When Citibank took over the account, I was never notified that my credit protection would be discontinued. As a result, I have been hospitalized and had  XXXX  and have absolutely no credit protection. I have always paid my account on time before becoming   ill    in  XX/2016   and being hospitalized. I elected to have the credit protection insurance just in case something happened and to think you 're covered and find out you 're not has jeopardized my credit rating.

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 2016-06-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare, my mortgage servicing company failed to pay my supplemental property taxes even though we have an escrow account for property taxes. They did n't pay on time accruing late fees. They failed to inform us that they do n't cover supplemental property taxes thus leaving us to believe they were being paid. Then when I called to find out what was going on I found they paid the first installment late but not the second. So they pay them sometimes only when they want to? I could n't get a straight answer and they were really rude on the phone.They lied stating we were told about the supplemental not being paid however that proved to be false as well. I also have another complaint about XXXX XXXX mortgage co. who our loan is actually through, I think. By the way do n't get me started on knowing the difference between a loan servicing company and our actual lender. Anyway XXXX set us up for a second mortgage fixed rate only to find out after the fact it was home equity line of credit with no fixed rate!!! These mortgage companies are still doing shady things and getting away with it with no accountability. I have several friends who have similar stories of shady financial dealings with lenders. Since all of this we are refinancing with a much more straight forward company ; 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 2022-07-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or about XX/XX/2022 I tried to get my reports using the www.annualcreditreport.com. 
The companies in question refused to provide 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or about XX/XX/2022 I tried to get my reports using the www.annualcreditreport.com. 
The companies in question refused to provide 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 explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.

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 2022-03-16
Company: Accelerated Servicing Group LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
( XXXX ) XXXX @ XXXX XXXX Below is the XXXX Transcript of the voicemail- Hey, this is XXXX with account services pre-legal. Your account has been placed in my department and we need to get a statement on your behalf. If there's no intention of a resolution, obviously, if you do prefer an amicable resolution, please call or go online and get this resolved right away at ASG recovers, That is a is an account S as in Services, G as in group recovers that's recovers or again, just give us a call back at this number for a lake that's super important. We get this matter resolved once and for all is it has been outstanding for too long as it is by law. I am required to inform you. This isn't a collect the debt. Thank you very much.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
T o wh  om it may concern, Attached is a copy of an extension agreement that was signed and com pleted on  XX/XX/XXXX . I 'm not sure why my account this agreement has not been applied to my account, but I was told that I was eligible for an extension, and was given an extension twice.  <P/> I originally applied for the extension in  XX/XX/XXXX , but that extension was not applied to my account. When I called to make my monthly payment in  XX/XX/XXXX I was told that my car was about to repossessed for non-payment.  <P/> I asked and qualified for the extension, I also had to record my name saying that I understood that the procedure of the extension agreement, but still no extension was applied to my account. The account  manager  that I spoke with on XX/XX/XXXX assured me that my extension would be back dated and my account would be brought current.  <P/> It has been 3 months, and my account is not current, although in  XX/XX/XXXX I was sent an extension agreement in written via email, I signed and returned it immediately.  <P/> Also, there are over {$700.00} in additional charges on my account. In XX/XX/XXXX , my car was repossessed because I mailed in my payment, and somehow it was lost in the mail. I paid over {$1500.00} in charges to have my car returned to me.  <P/> About a week later the payments that were mailed, we 're applied to my account, and subsequently refunded to me. During XX/XX/XXXX my monthly payment was {$19.00}. I spoke with a manager, that could confirmed what was on.y account.  <P/> I 'm not sure what these charges are and why they exist, but I would like for my account to become currently and updated. I would like to receive written correspondence concerning this matter. I can be reached at  XXXX  XXXX  XXXX .  <P/> Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On   XXXX    XXXX   2017 , I used my debit card at a gas station around  XXXX . I then headed to work where I stayed until the evening. I have a signed document from my boss confirming my hours. My card was with me the entire time and can be proved since I used it a couple times while in the area. By about  XXXX  there was a " balance inquiry '' made at a random ATM on the other side of town which we know of bc we were charged a {$3.00} fee. By late afternoon/early evening there were  2 mone y orders taken out of our account for {$700.00} each and were picked up at the sam e location ( post office ). We have copies of the signed money orders ( 2 different signatures/names ). Our checking account was completely drained, we called Suntrust and they refunded us the {$1400.00}. We thought all was well. Then about a week later we received a letter saying they were t aking the money back. We were astonished and confused. For weeks they refused to tell us why. They said that the  " investigator '' re ported too many inconsistencies, whatever that means, and would n't give us any details on the investigation itself ( if they checked camera footage, etc ). I filed an appeal here and got denied again. Then they finally told us that apparently because they had my pin and I had a chip that it was next to impossible, and that its not really heard of. I have been doing research for a while now and have eith er found, read, or heard first hand stories of this happening. It 's called shimming. Suntrust did absolutely nothing to try and catch the people that did this and have put us in a situation where apparently we have to prove we are good people rather than do any actual investigating. {$1400.00} is nothing to a bank, but it was all we had. I have had a police investigator on the case and we also got a credit card at his recommendation so that we hopefully never have to deal with someone stealing our hard-earned tangible m  oney again. So here I am, appealing once again for someone to take more than 5 seconds to look at our case because chip reader and pin information are being stolen all the time. It 's not " rare '' an ymore.

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 2015-11-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax XXXX are reporting me as delinquent on my account which lowered my score. I have contacted my creditors and everyone states I am current on my accounts. NO one is able to explain why my score has plummeted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
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:
I HAVE BEEN GETTING PHONE CALLS FROM DEBT COLLECTORS REGAUDING A ACCOUNT MY MAIL WAS STOLEN OUT OF MY MAIL BOX AND SOMEONE WAS ACTING AS ME AND STOLE MY IDENTITY TO OPEN UP FRAUDULENT CREDIT CARDS SO I CNTACTED XXXX, XXXX   and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2016-09-19
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I DEPOSITED {$240000.00} with Compass Bank XXXX XXXX Texas with the unders derstanding the it would be used for a money market. when I asked to have it transferred to a checking account I was told that I would have to pay a charge of of {$6800.00} as a penalty. I have tried to negotiate a settlement ( Forget the interest but all I got was a blank stare. ( you knew what you were signing. ) I am soon to be be XXXX XXXX. What would I want with a 10 year bank CD. I was offered a new deal for three years at ( supposedly ) 10 % It was to be a XXXX bank deal but was told that the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) said that for 3 years with a cap on earnings that only XXXX of XXXX show a posting of more 0 %. 
than 1 % per annum XXXX XXXX. CANCEL all & give me my money back .. It is {$240000.00} which I want my family to inherit. I am not asking for interest although I suppose that I am I am entitled to it. But do not charge me {$6800.00} This was presented to me on two sheets of small print, the first which was fold ed over so that I could not see it and the second which needed my signature. 
I had a witness with me who can confirm this Product Information Bank is Compass bank, a worldwide Spanish Company at XXXX, XXXX Texas XXXX The local telephone number is XXXX XXXX XXXX The Manager is XXXX XXXX The Headquarters is in XXXX, Alabama and Telephone XXXX XXXX. 


My name is XXXX XXXX, of XXXX, XXXX TX XXXX Email XXXXXXXXXXXX Telephone XXXX XXXX XXXX or XXXX XXXX XXXX ( cell ) Review, I was sold what I thought was a money market fund and when I objected the bank said the only way out was to pay {$6800.00}. At almost XXXX XXXX a ten year note paying XXXX XXXX percent is ridiculous, no-one wants that. 

Hope that you can help me before my XXXX beats me to it. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: U.S. BANCORP
State: SD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2017, XXXX XXXX of XXXX ( VENDOR ) XXXX XXXX XXXX XXXX or XXXX XXXX ) XXXX issued a credit card credit to my XXXX Mastercard account using credit card processor : Elavon Inc. XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX USA https : //www.elavon.comXXXX I believe that Elavon Inc. is holding these funds for an unreasonable period of time in order to earn interest on them and profit from them while denying access to them to me. 
I also believe that if this practice is taking place with all transactions it handles, that the profit generated and the corresponding damages suffered by the affected public must be substantial. I believe this practice is illegal or, at least, immoral and is without any business justification. 
I also believe that Elavon misrepresented the disposition of the funds in question when they explained how funds from credits are handled in my phone call with them today. ( below ). 
Elavon : " The funds involved are immediately sent to the Federal Reserve and that the receiving bank must claim these funds from the Federal Reserve '' I have no issue with the vendor or with my own credit card issuing company, Attached is the running dialog with the vendor, XXXX regarding the issuance of a credit to my credit card account in the amount of {$83.00} on XXXX/XXXX/2017.

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