BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: Armed Forces Loans of Nevada Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I applied for a loan on Monday XXXX XXXX, started my allotment on XXXX XXXX. I called the company several times on Monday the XXXX and Tuesday the XXXX asking if there was anything else needed and they kept saying no. After several hours of no movement of my application I called back again on both days and then they would tell me something else is needed. The company fails to reach out to costumers basically not trying to help expediting the process. They constantly prolongs the process. This company had terrible reviews. Every review they have is bad and I didnt notice that until after I got involved with them. My loan was finally approved on Tuesday XXXX XXXX at around XXXX XXXX  EST on the online site. The status stated funded. I talked to a lady named XXXX who told me that the money has been released to your bank on Wednesday and I would need to wait 24-48 hours. Now I fast forward to XXXX XXXX Friday and I still have no money. I call and email and they tell me the same thing 24/48 hours and at the point Im past 72 hours. Today is Saturday XXXX XXXX and I still have no money. The company isnt replying to my emails when I call they give me the run around. They tell me what I wan na hear but they are doing nothing. My mother has been evicted because she cant pay her rent, shes XXXX and this loan was for me to help her. I needed the money by Friday the XXXX which was plenty time for the company to fund me but they have failed seriously. Ive contacted my personal back 3 times and they told me that there is no pending deposits from anywhere. My bank asked me to get a trace number for my loan. I asked armed forces for the trace number and they told me there was not a trace number. I think this company is scamming people. They owe me {$2200.00}. Please help me hold this installation accountable for the mistreatment of customers. It seems as if they dont care about peoples needs and they dont put a sense of urgency on anything. They just prolong the process and go home and dont contact anyone about anything furthermore, their office is closed all weekend so if u dont get anything during the week you are XXXX until Monday. In my case I never got any kind of answer about where my loan is and now Im left with no money for the entire weekend and there is nothing I can do about it. They are closed there is no after hours line, there is no emergency line or anything.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was charged fees and things wouldnt add up when I was banking with Wells Fargo so we decided to leave Wells Fargo bank. I even had a credit card with them at the time and charges were not making sense on their either.

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 2016-05-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Collected 2 payments when only authorized to withdrawal one. Credited one payment back & now stating that last payment was on XXXX/XXXX/16 when in fact it was made XXXX/XXXX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27
Company: Bonneville Billing and Collections
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
None of the above actions properly stated my issue, although I was forced to choose one. I chose, '' contacted me instead of my attorney '' but that is n't the issue. New Hampshire state law does not permit debt collectors to leave messages. a debt collector from Bonneville Collections left a voicemail for me on my cell phone in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
chase employees are awful, rude and incompetent. me and my wife just spent over 4 weeks and it feels like XXXX hours of our time being transferred around and lied to. i do n't think many of there employees even where paying any attention to what i was saying it was a waste of my time and theres. The where just wanting in till it was time to go home. MY request was a simple information request about a check that we did not get. At any other company this take at the most a XXXX minutes. what did work was calling the CEO number XXXX XXXX XXXX. They will try to transfer you to a call center where the employees are again awful, rude and incompetent. Do not let them transfer you. Demand that the person that answer the phone updates you about the status of you case. the will lie to you and hang up on or put you hold. you may have to call a couple of times. this is the only thing that works. only till this CEO number is tied up will any of the departments help you. its sad i had to do that but no one else will help unless the people that answer this number time is taken up. my time is just as important as there. the should improve there customer service if the do n't what people calling the CEO number. Again do not let them transfer you. make the person who answer the phone get involved. also other numbers i got are XXXX at XXXX XXXX XXXX she is 1st level manger who helped me after 8 days. also call XXXX XXXX at XXXX XXXX XXXX he is at security and tell him you want him to get involved because there customer service is so poor. The government should break this bank up. my wife is XXXX and i am Veteran XXXX who works nights to help to pay for my wife 's school XXXX. if any of these employees got this level of customer service from me or wife it would be criminal. they should feel ashamed. we deserve better customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX Opened XX/XX/2020 Original creditor name : XXXX XXXX Balance {$490.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) The creditor replied they would remove the disputed item but the bureau is still reporting the information.

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 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I am disputing incorrect accounts that are affecting my credit report.

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 2016-03-06
Company: LEXISNEXIS
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This is the second time I file a complaint against Lexis Nexis Risk & Information Analytics Group Inc. 
I received an adverse action notice from XXXX regarding a recent credit check. They provide the name of the credit reporting agency, Lexis Nexis Risk & Information Analytics Group Inc., as the agency that can provide me with my free credit report. They state that I have 60 days to obtain the report from the date provided on notice, XXXX XXXX, 2016. 
Upon contacting LexisNexis Risk & Information Analytics Group Inc., I was asked to have my social security number, date of birth, zip code, address number, and phone number ready. I provided my social security number to the automated system and the automated system stated that the social security number provided was not able to be verified. I called the number provided, ( XXXX ) XXXX, a second time and received the same message. 
The contact information provided for LexisNexis Risk & Information Analytics Group Inc. is the following : LexisNexis Risk & Information Analytics Group Inc. 
XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX I have attached my driver 's license with both my maiden name and married name. 
I have included my social security cards, XXXX with my maiden name and the other with my married name. 
I also included a copy of my most recent utility bill with my maiden name and current address. 
I included a copy of my banking statement with my current address. 
Finally, I attached a copy of the adverse action notice received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company did not know what my payment was supposed to be every month because they did not perform an annual audit on my escrow account. XXXX month my payment was {$730.00} and some change and the next thing I knew it was {$980.00} and some change. I sent my payment on time and they refused to post the payment because of the escrow shortage and it took them over 4 months to start an audit and then another 4 months to get to the correct payment amount. Then they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: PNC Bank N.A.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My line of credit was called before term was up. Payment in full was demanded. I requested options. After 60 days I received a call offering a modification only to find the account was being reported delinquent on my credit. I never received bill or delinquency notification. When I logged into my account online it does not show delinquent either.

Company response to consumer: Closed
Consumer complaint received 2016-06-22
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, 2015 XXXX. After the XXXX, I was XXXX not quite myself. Somehow I overlooked a payment for my XXXX mortgage and paid it one day after the thirty day deadline. I am working very hard to maintain good credit so that I can refinance my home. However, PNC Bank, my XXXX mortgage, would not remove the delinquency from my credit report, even though this was a circumstance I could not help. I tried calling them twice and writing them twice as well, but they would not listen to my appeal. Please advise me of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1 ) On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Citi Mortgage. I mistakenly sent {$3500.00} instead of the correct amount of {$3800.00}. 
2 ) Citi Mortgage cashed my check on XXXX XXXX, 2016. 
3 ) On XXXX XXXX, 2016 Citi Mortgage mailed a mortgage notice that stated " Our records indicate your mortgage payment is overdue and we have not received it ''. 
4 ) I was traveling out of state on business XX/XX/XXXX. 
5 ) I first opened and read the mortgage late notice and statement the evening of XXXX XXXX, 2016. On the statement it shows an amount due of {$7700.00}. this amount includes the XX/XX/XXXX and XX/XX/XXXX mortgage payments of {$3800.00} and a late fee of {$15.00}. THIS STATEMENT IS DECEPTIVE, CONFUSING, AND MISLEADING. Citi Mortgage had received and cashed my partial payment of {$3500.00}. 
6 ) XXXX XXXX, 2016 at XXXX XXXX. XXXX on I called the Citi Mortgage Customer Service Department. I was told the conversation was being recorded. The Customer Service Representative agreed to eliminate the {$110.00} late fee due to our perfect prior payment history. I was instructed to mail the {$300.00} XX/XX/XXXX balance and the XX/XX/XXXX payment of {$3800.00}. I offered to make the payment by credit card and they refused. I mailed the {$4100.00} payment and my on-line checking account record shows the check was deposited XXXX XXXX, 2016. 
7 ) Citi Mortgage mailed a Default Notice dated XXXX XXXX, 2016. I received and opened the Default Notice on XXXX XXXX, 2016. The notice states : " We have notified a credit bureau about a late payment, missed payment, or other default on your account ''. CITI MORTGAGE DAMAGED OUR CREDIT LESS THAN ONE DAY AFTER I LEARNED OF THE {$300.00} SHORT PAY AND AGREED WITH THEIR CUSTOMER SERVICE TO SETTLE THE MATTER. 
8 ) As instructed, I mailed a letter of complaint to Citi Mortgage with all of this information. Their XXXX XXXX, 2016 letter of reply refuses to change the status of our credit bureau report. My XXXX XXXX credit rating has gone from XXXX to XXXX. THIS IS UNFAIR AND UNETHICAL. 
9 ) I request the assistance of the CFPB to correct this situation and to help me clear my record.

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 2016-10-21
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
mailed mortgage payment on XX/XX/XXXX - PNC says they still do n't have payment - agent on phone said she just had another call on the same thing, the 2nd time this has happened to me with them and I take it very seriously. do n't have deatils from the 1st time, but started watching every payment closely, 10 days later they do n't have check? I feel something is wrong with their payment handling

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted a loan application to Carrington Mortgage Services LLC XX/XX/XXXX. The loan officer was XXXX XXXX. Originally, he was very helpful even though I have fair credit score, and began the loan process stating that he had a XXXX % loan approval rating. After about a month of me asking him questions, because I have never had a loan before and do n't know how things work, he stopped answering my emails. Prior to this time, he had asked questions about XXXX my partners XXXX and XXXX. Finally, XX/XX/XXXX, he called my partner and stated that he did not like the " tone '' of our emails to him and stated that he was our only hope for a loan and that he was considering not helping us. This came from out of the blue. Following this phone call, he has not taken any of our repeated telephone calls or answered the numerous emails which we sent to him. We asked him specifically if he had a problem with the fact that We are a XXXX couple or the XXXX that my partner suffers, XXXX XXXX declined to answer. It is now XX/XX/XXXX and we have heard nothing from Carrington Mortgage or XXXX XXXX in regards to our loan application. It is our belief that XXXX XXXX has stopped working on getting us a loan because of our sexuality and my partners XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
This company keeps sending letters to my house and calling me before XXXX and after XXXX stating that I owe money due to non payment from progressive however, on numerous occasions I 've sent letters and disputed this information from my file because everytime I ask that they validate this debt they ca n't provide me with sufficient answers. They are very rude, and have been threatening me with lawsuits. I know that this company has insufficient proof to report on my credit report. I have not received any documentation on the debt validating that is in fact mine he told me he could not provide me with those documents because he was n't in control and I had to speak with the company who referred me to them. When I called the company they told me I had to deal with Caine and wiener in which I call everyday to try and get this account removed from my credit report. I believe that Caine and wiener are now in violation of the FDCPA for not complying with my request to verify debt and upon receipt I want this account immediately removed from my credit report. This company uses fraudulent practices to try and intimidate people to pay these non existing debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: MacDowell & Associates, Ltd.
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:
I never opened this account. Nor have I ever tried opening an account with this company.You need to remove this from my credit report : it is effecting my credit in a negative way.. What proof do u have that I opened this account? When and how was this account opened?? 


I need all the documents you have regarding this account, because I never opened it. Send me the original contract used to open this account, where was it opened? 

Who authorized you to run my credit?! 
Remove this account from my credit reports XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is my third application to Ditech and formally name Greentree for a mortgage application but this company only delays and gives excuses for modifying loans but will not do the necessary work instead and trying to run out the clock. I submitted the application for a modification two months ago as well as the documents they requested. I told them the only documents I can not provide are taxes for 2015 because they have not been done. But I signed the transmittal. I sent in my pay stubs and all other documents. The say that my application is incomplete. They call my number 100 times a day but not about the loan modification which by law they are require to do but for payment for an ever increasing rate for the loan which is about to reset XX/XX/XXXX. I am having a difficult time paying for it now so I want to modifying before it becomes even more difficult for me to pay. I have asked them for the payment schedule for the reset. But they decline to provided me with the information. For the past 3 months, my Client Rep have changed -- the latest person I see is XXXX XXXX who just calls and hangs up. This company is just trying to foreclose and not helping in my situation even though they are require from law to help. I am enclosing the most letter the sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Rash Curtis & Associates and asked to have some invoices sent to me via email of all the accounts that I have with them. They told me they did, when they did n't. I asked to have the dispute comments removed and they advised that they would n't remove the dispute comments until I paid them {$5000.00}. I asked to pay XXXX account that was in dispute and they advised that even if I paid, they would n't properly report it to the credit bureaus because they are aware that I am trying to purchase a house. XXXX XXXX at Rash Curtis then told me the following : " you should have paid your bills and thanked the doctors that helped you '' This statement has caused severe emotional harm to myself. XXXX then advised that it is a curtosy to have the dispute comments removed and she was n't willing to do that for me until I paid the {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transfered from XXXX XXXX XXXX effective XX/XX/2015. I did not recieve notification of my account being transfered until 7 days prior to my due date. That is against CFPB guidelines. 
I made my XX/XX/XXXX and XX/XX/XXXX payment online. For whatever reason something happened on there system and the payments did not come out. I have asked to speak to a manager every month since XX/XX/XXXX, I have yet to speak to anyone in management, nor has one called me back. Nobody has tried to assist me, nor have they provided me with my request of the written notes on my account. Every represenative that I have spoken with is rude, they talk over me and always refuse to allow me to speak to managment. I have yet to speak to anyone in managment nor has anyone called me back. I want all my calls to be listened to and I want this to be rectified or I will be seeking Attorney representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home mortgage was sold by XXXX XXXX XXXX Bank to Carrington Mortgage Services, I believe in 2012. The website will not let me access my account at this moment. 

Our payment with XXXX was {$1700.00} Including P & I, Hazard Insurance & Property taxesOur payment with Carrington is {$1800.00} Not clue what this payment includes because I have no signed ( by myself or my husband ) paperwork from this company. 

When Carrington bought our mortgage it raised our payments without our consent or prior knowledge. 

I did call Carrington when I noticed the jump in payment, only to be told that it was to cover our homeowner 's insurance. At that time I offered to pay the amount out of pocket, to keep our payment the same as it was with XXXX. Carrington stated they could not do that, after transferring me to various people.

Company response to consumer: Closed with explanation