BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender is not offered any options other than a Repayment plan that is more than 80 % of there current Net income of {$2500.00} - This does not provide the client with any financial relief or assistance to her hardship that cause the delinquency. The file should be reviewed for all modification options due to the financial hardship that caused the initial delinquency to being with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: M&T BANK CORPORATION
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My name, personal information, signatures and permissions have all been forged and/or counterfeited. I am able to account for my exact whereabouts on days signatures were forged. This house was sold WITHOUT any permissions or legitimate signatures from me. XXXX XXXX and notary XXXX XXXX are the names of individuals employed and hired by M & T Bank, to record this deed ( attached ). They swear and attest under penalty of law, that I appeared in front of them and proved to them WITH EVIDENCE on XXXX XXXX that I allow for the sale of the home. No such meeting, in person, over the phone or ANY OTHER WAY EVER OCCURRED. This is clearly fraud, forgery and counterfeiting for financial gain.

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 2017-05-08
Company: Vital Solutions, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've received  two calls, one o n Thursday   XXXX   XXXX   at   XXXX   XXXX   and  one t oday    XXXX   XXXX    at   XXXX   XXXX  . Both times they left a voicemail saying, " We have an important message from   XXXX   XXXX   XXXX   this is a call from a debt collector please call  XXXX . '' I have no debts. This is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender Caliber Home Loans sent me a letter stating that I need to contact them to opt out of communications that involve them sharing my private info with their affiliates. Their letter was confusing and stated that I could send an email to XXXXXXXXXXXX to opt out. I sent an email with that request but it bounced back with the following errorDelivery has failed to these recipients or groups : XXXXXXXXXXXX ( XXXXXXXXXXXX ) Your message ca n't be delivered because delivery to this address is restricted. 
For more information about this issue see DSN code XXXX in XXXX. 


They appear to be making it very hard to opt out for a consumer. There is no link on their website to do this via a profile setting ; you must send an email to an address that does n't accept emails. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
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 is missing that should be on the report

Complaint:
I don't know if experian is confused by the stimulus check, but my income comes from 2 social security checks. They are reporting that I only get one of those checks. And I'm spending more then I make. Also no creditor is going to give me credit when they see the pitiful amount of only one check. And it's not big enough to pay my bills. I need both social security income checks reported correctly.

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 2021-02-06
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried contacting my bank about a pending transaction in the amount of {$480.00}. I was told that if I got an email with the amount last four digits of the card used and my name that they would be able to release the fund. I did all that and the supervisor told me that there was nothing he could do. Also this bank double charged me for an order and refused to refund me. I would like them shut down plz. My number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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: Information belongs to someone else

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 2016-07-14
Company: ATG Credit, LLC
State: TX
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 went to College XXXX in 2010 and I withdraw because I was going through medial problems at the time, I received financial aid which was paying for my education, they paid XXXX, once I had withdrawn all the funds had already been released the only thing that was cancelled was {$34.00} the rest went to XXXX. Now they are stating I still owe them {$200.00} and have put a collection on my credit report and I had already spoken with them and was told it was not a debt so why is now an issue and on my credit report with someone called ATG Credit collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am having trouble with Wells Fargo. In XX/XX/XXXX I went into a Covid -19 program with WF. I was in the program for 3 months. My hours were cut at my job. I resumed payment in XX/XX/XXXX. I made payments, but was contacted by WF customer service rep in XX/XX/XXXX. She told me that I was not suppose to just restart payments without reaching out to them first. She them said in order to update my account and move the payments to the back of my mortgage so I could pay it later, she this is called a loan modification. She kept saying that I had been in the program for 6 months, I had not. This is information she should have had. She then told me that in order for the loan modification to be done I would need to stop making payments. I did not know that I should not stop making payments. I do now and I also know she should have not told me that. I later find out that they had sold my loan do XXXXXXXX XXXX. The loan was sold as a direct mishandling of my account with WF. They made it look like I was delinquent with paying my loan when I was doing what I was told. XXXXXXXX XXXX received the loan as delinquent and are threatening foreclosure on my home. They says I owe over XXXX dollars. It looks like I missed multiple payments, but hey do not mention the Covid -19 program at all, this was suppose to be corrected with the Loan modification done with Wells Fargo. I have spoke with Wells Fargo and XXXXXXXX XXXX multiple times. XXXXXXXX XXXX says they NEVER received the loan modification information. I made Wells Fargo aware of this they say that they sent it, obviously they did not. I have asked for a copy of the completed Loan modification multiple times but I have not gotten it. How is Wells Fargo able to get away with this?? They caused the problem and refuse to fix it!! I am stressed out, anxious, afraid and depressed over this whole ordeal. I should not be going through this. I did the right thing Wells Fargo made this huge mess and I am the one suffering. I need help with this right away. I am fearful that I will lose my home. I was suppose to start new payments in XX/XX/XXXX according to the loan modification. I have been making the payments. I have been told that until the account is updated to reflect the loan modification the money I pay each month goes towards the outstanding balance.

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 2015-07-30
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For the past nearly 10 years, every 2-3 years or so, some nameless, faceless, individual ( s ) located deep within the underwriting/risk department of one of the major banks where I have my XXXX XXXX bank accounts abruptly and without warning, closes my accounts completely, and then have completely banned/blocked me from banking there in the future, ever again. They always state that due to some such and such reason and because they simply can, they just do. This has led to untold misery, instability, chaos, disruption, and untold damages to my XXXX XXXX XXXX, my family, and my children. After my own investigations, it has always involved someone with an axe to grind against me, a very secretive and clandestine individual ( s ) with a great deal of power, who takes pleasure in pulling out the rug from under me, possibly a XXXX or a XXXX person, or someone else who does not like me for political reasons. This has now happened at the following banks, in recent succession, from last to the first, according to my best recollection and memory ( which may be flawed ). Please urgently investigate and advise, as this has got to be unethical, if not illegal : ( 1 ) CitiBank ; ( 2 ) XXXX ; ( 3 ) XXXX XXXX ; ( 4 ) XXXX XXXX XXXXXXXX ; ( 5 ) XXXX XXXX XXXX XXXX  ; possibly others. This last time, at CitiBank, right after they approved a mortgage for our new house, they not only cancelled/closed my XXXX XXXX bank account which I have had for a little over 2 years, but also my little baby XXXX starting bank account ( hes only XXXX years old ) and my new XXXX wife XXXX bank account as she just got her social security number and work authorization card. In short, my entire family ( even my little baby son ) is getting harassed, punished, XXXX and attacked just for being my wife and child. This is unacceptable, and needs to be investigated urgently and immediately. This is especially strange since I know many people, law firm and business owners who have had the same bank account for 10, 20, 30 even 50 years, without this type of harassment. Please urgently investigate and advise.

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 2016-04-28
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We had a water damage claim in our house. We were issued a water damage loss check from XXXX our Insurance company. The check was supposed to be endorsed by the mortgage company only. The first time I called they insisted due to the large check amount that we had to get a certified contractor to complete all of our house work. The people had already been working in our house for about 1 week and half and they did not have a contractor license. I explained this to person I spoke to the first time and they stated that I just had to write a letter of consent stating that i take full responsibility for the repairs. I faxed the papers in and they had not approved or sent any of my faxes through for a whole week and then when i called back they stated that I had to still fax the contractor license before they would send the check back endorsed. I have been going back and forth with several different personnel for almost a week and half. I last spoke with XXXX XXXX XXXX and she stated that she needed to request someone from the mortgage company to take a look and then he will send a report back to XXXX and then they will only send half of the amount of the check back to us. I called again today on the XXXX and the request had still not even been put through for the representative to come through. The workers are going to be done with the house work on Saturday on XXXX XXXX, 2016, and I still do n't have the means to pay them because of the mortgage company lack of communication and the incompetence of the company itself. I am thoroughly unimpressed, disgusted and disappointed that I 've had to go through so many hoops just to get a check endorsed for a project in my house. The customer service was non existent and was made to placed on hold for XXXX min each call and was hung up on XXXX different occasions.

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 2016-07-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got an online credit report from Experian, and saw that there is XXXX on the name lists is not my name, it 's my middle name and first name but I 'm sure I never use just XXXX of them before, I always use my short name : XXXX XXXX or XXXX XXXX XXXX XXXX for full name, sometimes XXXX XXXX XXXX but never use XXXX XXXX, so it 's not belong to me but the name is in my credit report? 
On the other hand, there is XXXX address I never see before in my address list which is in some below lists showed up that address tried to apply to credit by my name and information, i never live in XXXX, the only State I have been living is XXXX and only XXXX. This is totally looks pretty weird to me who never transfer out of XXXX XXXX. Please help me double check my name and address information. 
Thank you, 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 2021-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I intended to apply for a Wells Fargo Visa signature card, but accidentally applied for the Wells Fargo Visa Signature last applied.. I applied for the wrong card because Wells Fargo since I couldn't tell the difference between the two cards.. 

When I called the 1-800 number on the back of my card, the customer service representative to see if I could switch to the correct product, the representative kept on kicking me around to three or four departments. Some even told me to go to the branch or apply online, instead of helping fix the mistake. 

I really didnt want to deal with any of their XXXX, so I submitted another application for the wells visa signature card. I'm afraid that the hard pull will affect my credit score and that i will declined for the card..

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 2016-08-22
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
QuikTrip corporation changed credit card issuer from UMB Bank to XXXX XXXX XXXX XXXX. Unlike others who have changed XXXX XXXX wanted me to reapply for QuikTrip card. I had been with QuikTrip for over eleven years and had a great track record of paying my bill. I know that come XXXX XXXX, 2016 my credit card account with QuikTrip is over. When it hits my score will drop again because its an old account almost eleven years. Other cards I have change issuers and they just sent me out a new card. I guess QuikTrip just wants to throw out all those loyal customers that do n't deserve their loyalty. This is the way QuikTrip does business I guess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX years ago I began to suffer financially due to a downturn in XXXX. I contacted my mortgage servicer, SPS, and requested that they modify my mortgage so I could keep up with the payments. They made me fill out paperwork and told me they would review for loss mitigation options. They came back stating that all I qualified for was a repayment plan because that is all the owner of my mortgage would allow. The owner of my mortgage has since gone out of business and the rules to loss mitigation have now been moved into the master servicing agreement held by XXXX XXXX. Their master servicing agreement allows for modifications. I have been calling SPS frequently and each time I call I get a different answer as to whether I can get a modification or not. Each loss mitigation representative i speak to says i qualify then they come back and say I do n't. Some dont know they answer and some are completely unable to speak about what the servicing agreement allows. My interest rate is 6.99 % and they could have helped me when this all started. Now my loan is close to foreclosure and I Need a modification to stay in my home. I have asked my son to come live with me in order to help with the bills and he has agreed so I can afford a modified payment but SPS refuses to help. All I am asking is that they adhere to the terms allowable in the master servicing agreement and modify my loan to an affordable monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: Perfection Collection
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed into a one year contract with a security system company because I knew I was moving in a year. I specifically told the salesman that. He refused to give me a copy of the contract. After a year of having the service and letting the company know that I would be moving and would not be renewing my contract with them they told me that I had signed  a 5 yr  contract. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on   XX/XX/XXXX    . I was contacted  XX/XX/XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.

Company response to consumer: Closed with explanation