BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had several accounts at Wells Fargo From XX/XX/XXXX - XX/XX/XXXX and I was forced to take my banking elsewhere because My account magically kept going negative and i was getting inundated with service fees on a daily basis to the tune of hundreds and possibly thousands. I lived over an hour to the nearest branch and kept on having to drive to XXXX XXXX XXXX just to make deposits in the middle of the night. I knew something was a miss but things kept shuffling around. Wells Fargo Was an account I set up on line Several years ago and started using it as they were getting larger and were possibly moving up towards the massachusetts area. After several accounts were set up and kept overdrawing at one point they froze my account and kept charging me overdraft fees and I had to pay them all down because otherwise I could n't open up another bank account with another bank as the XXXX would block me and show I owed money to Wells Fargo. Now, after seeing that these accounts were manipulated I am sure that my account was one of them. I had direct deposit and service fees and set up fees kept showing up and wiping my balance down so I would bounce checks and incur even more fees. It was a nightmare and I feel I was part of this scandal as my accounts can easily be verified and confirmed. My full name is XXXX XXXX, THe last checks I had from Wells Fargo would Show the address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX or a XXXX, XXXX Address. 
I was forced to pull all my banking at one point as my money kept disappearing. I know this was intentional and now after seeing this scandal I am convinced it happened to me. 
My email address is XXXXXXXXXXXX and my Cell number is XXXX but I know the bank has all my records going back.

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 2016-03-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I made and a purchase on the XXXX XXXX, later on XXXX XXXX I canceled my order and was told nothing will be shipped and that they would only give a very small partial refund which I refused stating I would just bring it up with my bank. After that, I contacted Wells Fargo and filed a complaint and was flatly refused a chargeback despite the fact that I paid and received nothing in return. So I spend {$1200.00} and get nothing in return and thats ok?

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 2016-11-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
hello my name is XXXX XXXX recently i walked into my bank and requested to stop payment on my my bank account with wells fargo, the bank teller said she will close out my old account and open me another account and all of my reccuring payments to any company will stop since they will not have my new bank account number. wells fargo also sent me a letter saying i have to contact a list of companies if i would like for them to debit my account every month as they did on the old account. well i never called any company and disclosed them my new account number but somehow wells fargo let XXXX XXXX ach withdraw out my account for the sum of {$2300.00} even after i told them to put a stop payment on my account and the teller said she would close out my old account and open a new account to avoid the ach withdraw. i gave XXXX authorization to debit my old account but i didnt give them permission to debit my new account. this is totatlly violating my rights as a consumer.

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 2017-03-14
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The company keeps reporting me as late but i have asked them to Close this account in XX/XX/2014 as i can not pay it yet they still ahve not closed it and charged it off as asked.

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 2015-05-15
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company by the name of XXXX. contacted XXXX family members ( XXXX my children ) with threatening information disclosing my debt and leaving information stating that I was going to be turned over to XXXX County Texas for fraudulent instrument, fraudulent bank information, litigation status. As you can imagine this caused great imbarassment to me as they disclosed this information to both of my sons and my daughter-in-law. The person that made the calls was XXXX XXXX, she left a number XXXX ext. XXXX. I returned the call and spoke with a person named XXXX, who was extremely rude and hung up on me. She informed me that they were a mediation service and that she was allowed to contact my family members at least once a day, and would continue to do so. She alsoi informed me that the amount of my debt was 2,000.00 plus dollars for a XXXX debt. I attempted to make arrangements with this company to pay this debt and told them to send me proof of debt by mail and was told that they do n't do business that way, I offered to make small payments, which was all I can afford, and they said it was n't enough, that it had to be in XXXX large payments. This XXXX informed me that my debt was switched to a different debt collector every 6 months to make sure the debt does n't drop off and continue ruining my credit. I asked them not to contact my family but she told me they were going to continue to do so. I informed her I only make XXXX per hour and can not afford to pay a large amount, to which she informed me I should n't go around making debt. I have never been so insulted and bullied in my life. I am a divorced XXXX yr old woman that lives alone and is trying to make a living. I am doing the best I can and do n't need harassment from these people contacting my family members.

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 2016-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
This a Notice of Default because Wells Fargo failed to respond Wells Fargo has failed to produce and respond to 5 ( Five ) Qualified Written Request and the Verified Affidavit from XXXX XXXX XXXX sent to them in 2016 regarding the issues that were found In the assignment that were sent through Consumer Financial Protection Bureau, XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, Office of Comptroller of the Currency, US Department of Justice and XXXX XXXX XXXX Furthermore, Wells Fargo has not adhered to the OCC Consent Order and has violated consumer protection laws.. Until the issues raised have been resolved indefinitely, XXXX, XXXX and XXXX XXXX and Wells Fargo, need to postponed and a cancel of the sale slated for XXXX XXXX, 2016. 
They are violating the Fair Debt Collections Practices Act I 'm enclosing the recorded Verified Affidavit from XXXX XXXX XXXX and Qualified Written Request.

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 2015-08-12
Company: Kriya Capital, LLC
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my foreclosure is in 1.5 hours from now. shell point is telling me i did not supply my documents in time. i just emailed the supervisor XXXX proof of an email that i sent everything in on XXXX and again on XXXX and sent in the hud and all other documents in. into XXXX shell point stated they have everything. as in a purchase contract hud offer and all the financials. They had them and in order to order an appraisal for the bank shell point has to have all of the documents. they have them all and an appraisal was conducted. now before this foreclosure auction they tell me we do not have enough time. this is absurd is this because i am XXXX & gt ; this is not fair. i am going to contact legal counsel. this jerk XXXX is literally fighting with my counsel on the phone. please postpone the foreclosure date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine.. I do not have any recollection of this debt nor have I ordered from these people this needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2022, I noticed two charges on my credit card from XXXX that had been made that day. Discovered it was a jackhammer and truck top carrier. As a single-lady, about to move to an apartment and with a torn rotator cuff ( I was undergoing XXXX XXXX at the time ) - the jackhammer just would not be my thing. And the truck top carrier did not go with my XXXX. 
XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX I immediately called the credit card company to report fraudulent charges and they closed the credit card and sent me a new one. I then realized I should contact XXXX which I did on XXXX XXXX and they changed my password and removed these two purchases from my account. ( It was an incredibly busy week and it wasn't until the weekend I could tackle this. ) I thought all was good, but then I was shocked to get a letter from the credit card company on XXXX XXXX saying I was responsible for the charges because " You received benefit from this transaction. '' Not only had I never received these items, and XXXX had noticed a sign-in from a new device on the day this purchase was made, neither item or purchase now existed on my XXXX account- they had been removed. So the merchant recognized these purchases as unauthorized and took steps to protect me when requested - but not Chase ( Amazon card ). The reference # from my first call to XXXX was SR # XXXX - according to XXXX, all of these calls are recorded and the credit card company can ask for the information about what was said, etc. 
I disputed their findings not just once, but twice more -THREE times. I spent an inordinate amount of time on the phone with XXXX asking them for more information about these two purchases to give to Chase- but they said they could only give the information to my credit card company when they were investigating - not me. The problem is my credit card company is not doing due diligence with an actual investigation and is continuing to charge me for a purchase that is not disputed by the merchant, but has been removed by the merchant. I can't even find out what these two items are, or who the seller was - because unlike all my other purchases, these are no longer on my account and searching for the numbers doesn't bring up anything. 
I called XXXX again on XXXX XX/XX/2022, and they were not able to find these purchases on my account, so they are unable to help me in any way. This customer service person ( this conversation is SR # XXXX ) told me it looks like someone used a guest account to make these unauthorized purchases. I was also told that XXXX can not do anything beyond what they have already done, and that I need file an unauthorized purchase with my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-07
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US bank set up a payment plan for me which was difficult to pay at XXXX I called the bank and set up a payment for my regular payment which was deducted on XXXX/XXXX/16 for XXXX which has cleared by bank, they will not ap not apply that to my account and will not return till XX/XX/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 2015-09-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage is reporting a mortgage the that we have paid on-time for 11 years as closed and part of our bankruptcy. This mortgage was NOT part of our bankruptcy plan. It was paid outside the plan, by us, directly to Carrington exactly as our bk plan clearly states. None of the Carrington debt was discharged, but they are reporting that it was.The bk is also discharged now so even if the status changed DURING the bankruptcy, it should be corrected now that the case is discharged. ( This was the case with my student loan. It was listed as closed then within 30 days of discharged, it changed to Open and Active. ) I 've disputed this issue will all XXXX bureaus XXXX, but Carrington keeps saying that it 's reporting correctly. I 've called Carrington at least XXXX times, but no XXXX can help. I found a number for their Research Department and Customer Advocate info online so I sent them both a fax describing the issue. ( They ca n't be reached by phone. ) This error is seriously impacting our credit score and costing us an extra 2 % on a new mortgage that we are taking out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a mortgage through carrington mortgage and was pre approved and went through the whole process to obtain the mortgage to purchase a house and paid for the inspection as it was a va loan and then was denied 2 weeks before closing for not having enough reserves when through a va loan there are no cash reserves needed and i lost the house and was out XXXX for the home inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I had reported to experian that I had reports on my credit report that was not accurate and was doubles and so on. They have yet fixed it or given me any response other than XXXX out of several. I had reported these issues more than thirty days and they have failed to fix it. I am trying to buy a home and this is hindering me from doing so.They are over XXXX points off from the other XXXX. 
My name is XXXX XXXX XXXX social # XXXX DOB XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to Loancare around XXXX 2014 and since then I have had to call and make them take my payments off of the " principal '' and put it back to monthly payments. I have always been ahead on my mortgage only to be told by Loancare that they put my payments to principle instead of my payment every single month,. I am furious that I have to keep fighting for the true status of my mortgage because XXXX XXXX decided to sell my mortgage to the most incompetent people in the mortgage company business. I want to find out how I can get away from this nightmare company, and the hours of phone calls to these morons! We all deserve better than having our mortgage sold to such incompetent, and rude people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
LOSS OF WORK PUT US IN A SITUATION OF FALLING BEHIND ON OUR MORTGAGE FOR 4 MONTHS. THEN WE FINALLY WERE ABLE TO MAKE A FULL PAYMENT DURING THE 4TH MONTH AND XXXX XXXX XXXX WOULD N'T ACCEPT ANYTHING LESS THEN THE 4 FULL MONTHS. THEN THEY TOLD US TO FILL OUT A HARDSHIP PACKAGE SO THEY COULD SEE WHAT PROGRAM WE QUAILIFIED FOR. 1 1/2 MONTHS IN THE PROCESS THEY SOLD OUR MORTGAGE TO A COMPANY WE 'VE NEVER HEARD OF " CARRINGTON ''. THE HARDSHIP PACKAGE WAS NEVER FORWARDED TO CARRINGTON AND CARRINGTON WOULD N'T ACCEPT PAYMENTS BASED ON THE INFORMATION XXXX XXXX XXXX GAVE THEM. SO HAD TO SUBMIT ANOTHER HARDSHIP PACK WITH THEM. NOW AT 8/9 MONTHS BEHIND THEY TELL US WE DO N'T QUALIFY FOR ANYTHING OTHER THEN LIQUIDATING OUR HOUSE. THEY TOLD US WE CA N'T APPEAL THE PROCESS BECAUSE US FALLING BEHIND HAD NOTHING TO DO WITH LOSS OF INCOME. I HAVE NO IDEA WHERE THEY CAME UP WITH THAT XXXX. I SENT THEM MY UNEMPLOYMENT BENEFIT PAGE SHOWING HOW MUCH I RECEIVE AND WHEN IT BEGAN. WE WANT TO KEEP OUR HOME, WE OFFERED THEM {$5000.00} DOWN ( THATS 75 % OF WHAT WE OWE ) AND THEN WORK OUT A PLAN THAT WE COULD PAY SOME EXTRA EACH MONTH ONTOP OF OUR NORMAL PAYMENT TO GET US BACK ON TRACK AND THEY SAID NO. WE HAVE LIVED IN THE HOME FOR 12 1/2 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home equity line with bbva compass bank in XXXX Alabama and I had it for years with no problems. The bank suddenly decided to suspend my account and close it and force me to Pay back the loan over a restructured payment plan over 15 years. I am current on my payments and I was never late so I do n't know why they are doing this .the account was active and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Have no idea where the debt they are trying to make me pay came from but it 's not mine

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 2015-04-28
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I defaulted on a payment arrangement that I had made with CashNet USA in XXXX. I called maybe in late XXXX XXXX to make new payment arrangements. I was told that since I defaulted on the previous payment arrangement, I could not make a new payment arrangement, but that I could make payments on my own. I mailed in payments around XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX in the amount of {$50.00} each. On XXXX XXXX, XXXX, CashNet USA sent my account to collections. I would like to know why my account has been sent to collections if I was making payments. Also, in XXXX CashNet USA had made two withdrawals on the same day from my account without my permission and on a day that I had not authorized. I filed a claim with my bank to get the charges reversed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Good afternoon. 
I went into the Wells Fargo Bank Branch in XXXX AZ to withdraw {$800.00} on XXXX XXXX, 2015. When I went to get a printed statement I saw that there was a withdraw for {$1800.00}, something that I do n't recall doing so. So of course I went to the teller to get further information and all they said was that their balances were not out of balance and that they were going to submit paper work to try to get the security cameras looked at the time the teller was counting off the money. So, I got the run around and just on XXXX XXXX there was a voicemail from a woman named, XXXX. She said that the cameras are not there to focus on the money being counted just on the security of the staff. I 'm not satisfied with this answer. I never withdrew {$1800.00}. I want them to physically show me through video that they actually gave me that amount of money. Their balances are not sufficient proof for me to be content with their answer. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation