BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-30
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX transferred the servicing of my mortgage loan to Selene Finance, effective XXXX XXXX, 2015. I immediately started receiving statements where they had added in all types of extra fees and charges. I tried calling Selene Finance to discuss my mortgage and have had a difficult time reaching anyone. When I finally did reach someone, I was told that they could not discuss anything with me because XXXX had not sent them all my paperwork. This is outrageous. Selene Finance has possibly the worst customer service of any company I have ever deal with. The phone is always busy when you call, many times you 're placed on hold and the call gets disconnected. I have read horror stories on the internet of other homeowner 's experiences dealing with Selene Finance. I 'm shocked that this company is allowed to do business. In addition to this complaint, I 'm also filing XXXX with the XXXX Attorney General, the XXXX Department of Banking and the XXXX Department of Banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I was in the process of moving and I pulled my credit report and noticed that there are addresses on my report that I never lived at. I used to live in XXXX OH and now I am in XXXX XXXX XXXX XXXX XXXX OH XXXX. I would I like to have a full investigation. 
I read that the FCRA 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. I am not too sure how this all works but I am under a lot of stress I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX/XXXX/XXXX  # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX  OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I am in the middle of a foreclosure issue that should have nothing to do with me. My divorce was final in XXXX and my ex-husband received our home in the divorce. We refinanced during our separation in XXXX ( due to the courts delaying the divorce ) and I was forced to sign a Deed of Trust ( State of MD ) since we were not legally divorced. By the time our divorce was final, my ex-husband was not making payments and foreclosed on the home. I have been trying for many years to get my name off of the Deed of Trust and can not. I hired an attorney and while he was able to remove me from the Deed, he could do nothing about the Deed of Trust. Now after 10 years I am being named in the foreclosure documents. The bank will not speak to me even though my name is listed on the foreclosure. We tried to have a mediation with the foreclosure company and the attorneys and Seneca Mortgage said they would send us a letter explaining that I am not responsible but they did not. I am now told that Seneca sold the loan to Selene Finance. I am NOT responsible for this debt and now my credit maybe ruined. NO ONE can tell me if the bank could place a judgement against me regarding the remaining debt after the foreclosure is completed. I would like some help with this issue. The original loan was with XXXX. It was sold to XXXX XXXX XXXX who forwarded it to Seneca Mortgage and I am told it is now in the hands of Selene Finance. The letter was sent to Seneca before the loan was sold to Selene. The attached letter explains the situation in more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: POPULAR BANK
State: NY
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Was called for loan. then called lender and they said I would have to pay a returnable fee of {$180.00}. Sent money by XXXX card from XXXX and the loan of {$3000.00} was not put into account as promised by lender.

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 2016-11-22
Company: Amsher Collection Services, Inc.
State: MI
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:
Amsher has continue to report a collection on my report after they sent a letter to me stating the so called account was closed in there office and sent back to the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/21 Fairway Independent Mortgage sent a loan estimate for XXXX more than the loan estimate they sent on XX/XX/21. I was told it would get fixed but the lender would not answer my phone calls. He would only respond by text. I acquired a preapproval from another lender. I contacted Fairway on XX/XX/21 and notified them of what the other lender had offered. At this point we were 2 weeks away from close of escrow. On XX/XX/21 Fairway Mortgage called and said they were able to get our loan to 3.125 %. they got XXXX on the loan, our payments were going to be XXXX per month including XXXX fees and our cash to close would be XXXX XXXX we had already put down. Fairway Independent Mortgage employee XXXX XXXX called me on XX/XX/21 at XXXX and gave us this offer. At XXXX on XX/XX/21 I text XXXX XXXX to verify that the XXXX we had already deposited was to be subtracted from the XXXX he said yes. The loan estimate I received on XXXX higher then what XXXX XXXX had told me on the previous day. I was told he was aware and was working on getting it fixed. Then on XX/XX/21 at XXXX I received an email from XXXX XXXX at Fairway Independent mortgage. He said he was handling our loan since XXXX XXXX was on vacation. XXXX XXXX XXXX then told me that we would need to put another XXXX in cash to get the loan approved. XXXX XXXX XXXX also told me that the cash to close amount of XXXX included the XXXX deposit we had already put down. So the cash to close amount went from XXXX on Sun to XXXX on XXXX. Fairway Independent Mortgage said they knew their employee was giving out numbers that they were unwilling to uphold and did nothing about it. This gives us 1 week to get new funding for escrow. XXXX XXXX XXXX told me they would not honor their employee 's numbers. It feels like blackmail and they are forcing us to either pay the additional XXXX or move back our closing which costs us money and frustration to get everything else moved back. 
I have saved all communications between Fairway and myself. Email and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SYNCHRONY FINANCIAL
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The creditor or the US Postal System failed to deliver my statement, and this resulted in missed payments, and derogatory account information. It is my right as a consumer to receive statements about my account in the mail. I also requested a change of address with the creditor, and the company 's failure to update this in their system might have influenced this situation. I live in a large apartment complex and sometimes the mail man mixes up the tenant 's mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: FIRST CASH FINANCIAL SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the first I 've heard from Amsher Collection Serv, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : I have never owed Amsher Collection Service any money. When I inquired about this trade they stated that it was from a XXXX account that I owed which was already satisfied XXXX. So I off course this was a Scam and Reported this to the XXXX of California and the Federal Trade Commission. This debt does not belong to me and I never signed any agreement or did business with Amsher Collection Service. 
Amsher Collection Service is also report inaccurate amounts on another XXXX which is also in violations of the FDCPA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing this due to non-compliance with the XXXX, Experian and XXXX They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law by failing to maintain the accuracy of my personal information. 

I have made several attempts at correcting this matter. They have ignored my request to investigate.

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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
After over 35 days, the underwritters at a Cardnial Financial subsidiary company Sebonic, starting asking me for documenets that they KNOW I do n't have since this would have been revealed in my original paperwork, such as XXXX and over XXXX in liquid funds. This was a waste of my valuable time and cost me additional interest charges on my current loan that I would not have had to pay if I had known upfront not to go with this loan. I am out the {$450.00} ( appraisal ) + {$2400.00} I would have saved going with another loan ( 2 months interest ). Additionally they not make themselves available to me in a timely manner to discuss these issues, taking 5-7 days to get back to me and only when I would tell them that I was going to complain to the CFPB would they call me back. I am extremely upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX and XXXX about this account that has already been paid in full since about a month after I moved. The debt collector said that they was going to remove it from my report and never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Between XXXX and XXXX 2015 Barclaycard lowered my credit limit in what appears to be a discriminatory practice since no credit terms had been violated. I have no 30 day lates and terms were honored on my end as a consumer yet my credit limit was lowered. This unfair practice resulted in a more adverse credit utilization metric.

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 2016-11-16
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On or about XXXX XXXX, XXXX we learned that Castle Credit had placed a lien on our property in XXXX. On or about XXXX XXXX we began contacting Castle Credit by telephone. During the initial call on XXXX XXXX and in several calls since then, we have explained to various representatives at Castle that we are in the process of selling our home and would like to get this matter resolved quickly so that we may close on our home by XXXX XXXX. In the very first conversation with Castle, we were told that Castle no longer owned the debt associated with the lien and because they no longer owned the debt they could not provide us with any information regarding the debt, including the balance. In each subsequent conversation with Castle, we have asked Castle to either release the lien as, per their own admission, they no longer own the debt associated with the lien or provide us with the amount of the debt we allegedly owe ( see call log attached ). While we have been repeatedly told by Castle that they no longer own the debt, Castle has continuously refused to release the lien with most recent conversation ending when the Castle supervisor abruptly hung up on us. At the same time, Castle has also refused to provide us with any information of the alleged debt, most particularly the debt amount. 

We simply can not be held hostage by Castle. This action or blatant inaction by Castle has the potential to prevent us from completing the sale of our house and cause us great emotional and financial distress. We have had no choice but to explore our various options of recourse. We have contacted counsel and have been advised we can file a Quiet Title claim and seek recovery of our attorney 's fees. We were also advised to file this complaint Consumer Finance Protection Bureau as well as the North Carolina Department of Justice Consumer Protection Division and the Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had major issues with CASHCALL/XXXX This loan was taken out in XXXX 2011 but then it had issues and in XXXX of 2011 XXXX offered me a settlement which I tried to take multiple times but was ignored. They Wanted to settle for XXXX. The original loan was XXXX. My ex husband and I then filed chapter XXXX in XXXX 2011 paying 100 % to plan. Now that our BK is complete I notice that Cash CALL claimed XXXX on a loan that was owed XXXX!!! This is obscene. They stole almost XXXX from me and never responded to any of emails or phone calls on this..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX graduate with $ XXXX in student loan debt Accepted position with XXXX with consideration of Public Service Loan Forgiveness ( PSLF ) program Condition of employment also included Student Loan Repayment Incentive PSLF program and Student Loan Repayment Incentive only available to " eligible '' loans per Department of Education Successfully received Student Loan Repayment Incentive for maximum time of 2 years Per XXXX XXXX direction, tilized Income Based Repayment ( IBR ) Plan to make payments towards student loans since fully amortized monthly amount is unaffordable. Confirmed that IBR Plan was acceptable repayment method for PSLF IBR requires yearly application to ensure eligibility Each year ( 5 years ) IBR status was reconfirmed as well as eligible PSLF status Continuously received affirmation from XXXX XXXX representatives that my loans were being paid towards PSLF 6th year an online PSLF verification form became available Received sudden denial of eligibility for PSLF HOW? 
6 year XXXX with at the XXXX with all on-time payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My transaction " post '' dates were manipulated to trigger an overdraft to my checking account, which in turn triggered an overdraft fee.

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 2021-07-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been contacted multiple times over the past three weeks by Wakefield & Associates to collect a debt that I paid off months ago with a payment plan from another debt collection agency. They have called me 12 times in the last week between the hours of XXXX and XXXX when I am at work and can not take phone calls, and 41 times in the last three weeks. When I try to call back, I either get no answer or the line is disconnected. I have expressed multiple times to not call me during my work hours, and that I have paid this debt, but they continue to call me during hours that I can not pick up the phone. They have harassed and threatened me over a debt that has already been paid. I paid this debt in full almost six months ago, and it is getting to the point that it is causing me mental distress to get these phone calls, as the debt was from a very traumatic medical experience. I do not have any other debt than student loans at this moment and I do not know why I continue to get called and harassed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have got a complaint from XXXX of our employees that bank of America has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2021, Advance America located at XXXX XXXX XXXX XXXX XXXX, TX XXXX called my job and left a message with one of my co-workers asking for my call to be returned for a personal business matter. It was very unprofessional and not a good look for me to receive a personal call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Recently the Federal Gov't fined Goldman Sachs {$5.00} XXXX. How do consumers file claims to get reparations.

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