BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-11
Company: Comerica
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Billing or Collection Issues - The company has processed an unauthorized bank debitProblem : i get my ss money thur direct express debit card on XX/XX/2015 @ XXXX i went to atm my card was declined, @ XXXX i called bank, was told on XX/XX/2015 someone in XXXX fl, request change address and a new card in my name, it was sent out, on XX/XX/2015 in XXXX transactions my acct, was wiped out, i want this company to give me my money back,,, i have filed police report wth XXXX city police, XXXX XXXX @ XXXX report # XXXX, went to ss office had them change to another bank so on XX/XX/2015 my money will go into new act,, the direct express card was, closed, i filed on line police report wth XXXX police dept, also, also filed fraud wth federal trade commession, ref # XXXX, and credit agency.and filed wth idenity theft resource center, ,please help if you can,,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Citibank took over the credit card service for Costco members. I received a new Citibank Visa. Then, I received one statement and paid it. My FICO score is well over XXXX because I pay all my credit card bills on time and in full. On the next Citibank statement I received, it showed an unpaid balance from a previous month, a late fee of {$25.00}, and interest of just over {$7.00}. Citibank claims I should have known the billing cycle was that payments were due on the XXXX of the month. With only one bill having been sent, there was no " billing cycle. '' Clearly, Citibank is taking advantage of consumers by failing to send statements and, then, collecting {$25.00} late charges and interest. With the thousands of Costco members, Citibank could end up with millions of dollars, with this scheme. I strongly suspect that Citibank is engaged in this scheme, for profit, taking advantage of its new relationship with Costco members and the members ' lack of familiarity with Citibank 's billing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
American Servicing Company, also known as Wells Fargo Back unlawfully preyed on me with my mortgage loan. ( predatory lending ) My credit score was over XXXX and they told me I was receiving the best rate possible. After the loan was completed I was told by several mortgage bankers that my interest rate was not commensurate with my credit score. It was much to high. I have since learned that ASC/Wells Fargo has been charged and plead guilty to predatory lending on minorities. I am filing a complaint with the CFPB. I also received a loan modification from them stating they could not lower my interest rate. Once again lying to me. I understand loan modification rates can start as low as 2 %. I am requesting the CFPB assist me in my petition to have ASC/Wells Fargo lower my rate because of the predatory lending they pulled on me. 
Respectfully, 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 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, XXXX, XXXX, XX/XX/2020 I requested CapitalOne Auto to add my monthly car payments to the back of the loan due to the coronavirus impacting my finances. They agreed and they still reported on my credit that I was delinquent and did not make a payment. 
I need to know how they are able to say they can add my car payment to the back of my loan and still report it as not paid. They have not answered my questions about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
When I went to the dealer, I signed for my credit check so they can see my credit and offer me a loan rate as they offer up to 0 % financing. The sales person told me that my credit score will give 8 % APR financing. I checked my credit score that night and it was already impacted for this credit check from Toyota. So I decided to continue and buy the car I found there. A couple of days later they have the car ready, I get the insurance and I was ready to sign for the car. When I was in the financial office, the person who attend me told me that my credit score was too low and they only way they can " help me '' to have the 8 % APR was if " I help them '' buying the extended warranty. It increased the final price for almost {$4000.00}. I told them I did n't want the extended warranties and all I want was the car and the 8 % finance initially offered. The person in charge of the financial office was pressuring me to get the extended warranty, as I refuse to take it he told me that the APR will be 9.44 %. As my credit score was already impacted and I 've spent many hours in this dealership I did n't want to go to other dealer, I decided to take the car and sign with the 9.44 %. I think that this sales tactics, pressure and confusing information is not correct. Why they offer and initial APR but do n't say that is subject to buy extra services that increase the final price of the vehicle. Also this person who I do n't remember his name at the moment, was very rude, unprofessional, and was acting like he was doing me a favor not treating me as a customer that is buying a car. He said " if you do n't like the way I do it, you can go to other place ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citibank had a promotion requesting folks open a savings account and deposit money, maintain it for three months, after which customers would receive an account bonus. Through their promo page, I enrolled, opened the account, and maintained the required balance. Citibank has not deposited the bonus as promised. Their customer support appears to be totally in the dark and clueless about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced a mortgage loan ( Loan No. XXXX ) with Ditech Financial llc in XXXX 2016. I made my correct monthly payment of {$670.00} on XXXX XXXX, 2016. This payment reflected my previous payment of {$310.00} to cover an escrow shortage as requested in Ditech Escrow Account Disclosure Statement dated XXXX/XXXX/2016. As part of the refinancing process, I received an email from XXXX XXXX at the Originations Operations, located in XXXX, CA, instructing me to submit {$26.00} for an escrow adjustment. I sent that payment on XXXX XXXX, 2016. Ditech for some reason applied {$19.00} of this amount as a late fee. I contacted Ditech ( XXXX in South Dakota ) who said she would correct this transaction. I also notified XXXX XXXX and informed her of this error. XXXX replied to me in an email dated XXXX XXXX, 2016 ( XXXX ) : " For your information, you do not have late fees on your account and {$26.00} was not applied towards late fees, it was applied to your XXXX mortgage payment ... and were applied towards escrow account ''. After this correspondence I also contacted XXXX ( XXXX XXXX, MO ), XXXX ( South Dakota ), and XXXX ( XXXX XXXX, MO ) regarding getting this error corrected. All replied that they would involve their supervisors in correcting this error. I was also advised to contact Ditech via email to further emphasize the need for action. Today ( XXXX XXXX, 2016 ) a letter from Ditech explaining that my payment of {$26.00} was considered " late '' and therefore a late fee of {$19.00} was properly assessed. 

So after all these months Ditech is still unable to correctly understand the issue, nor are they able to correct the inappropriately applied funds. I am frustrated that Ditech personnel appear to be unable to make corrections in their system. Each person I have spoken to agrees that the funds were misapplied, but it appears the customer service reps are located in remote areas and have little or no contact with the main organization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03
Company: Meade & Associates, Inc.
State: OH
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 company never informed me of any such debt but has accounts in my name on my credit report from XXXX. I have reached out to this company years ago XXXX/XXXX/XXXX to get this removed and I was told it was taken care of. Today XXXX/XXXX/XXXX I speak with a XXXX at this office and I am giving her information about this account and she acts rude as if she did n't want to give me her name and cuts me off several times before I can finish my full story. Then she just leaves the phone and put another person on the phone playing as a manager. XXXX XXXX. He was a better listener to my concerned however all information he provided of me was INVAILD. The medical bill that I was being billed for he did n't even have my insurance information correct. But tells me he ca n't do anything to resolve the information. All collections agencies by law are suppose to provide me such information showing what I owe how and why. He did not offer a dispute to contact the original biller or anything. He listen to what I had to say but came across unhelpful and extremely rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-18
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
my father passed away in XXXX with no will my family hired an attorney and did a succession in XXXX all his assets went to all of his kids we was never contacted by green tree lending company that my father had a mortgage with their company I found out years later the couple living in the house told me the mortgage payment is in my fathers name still. I contacted the company and sent all information need they said they knew he was deceased but would not give me any information about the loan said I was n't on the list to receive any information even though I 'm his son.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Ditech Financial LLC
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX I was given a loan for a single width mobile home through XXXX Mortgage. They switched it to Green Tree XXXX and next to Ditech. The home started deteriorating in 10 years and is now unsafe to live in as I have had electrical problems and many of the pipes are broken where the bathtub and faucets in the master bathroom are not functioning. The floor under the shower has completely caved in, windows are crooked and allow flies to get into the house in warm weather. Most of the floors have buckled under the legs of furniture and the rain has caused the areas around the windows to buckle. Walls are little more than cardboard. I believe the flooring is waferboard and unfit to for flooring foundation. When I tried to trade this XXXX XXXX, the dealer at the XXXX in XXXX told me he could n't because the house is worth much less than what I owe and that this sounded like a Predatory Mortgage Loan. He said that mobile homes do not have 30 year mortgages because they do n't last that long. He said my loan should have been a 15 year loan at the most. Also, right before Ditech took the predatory loan over, they added about {$100.00} to my monthly payments which went from {$360.00} to {$460.00} a month. Ditech claims the {$100.00} is for insurance, however, as of yet they have repaired nothing although I have made several claims. I was also told I should complain because when they put the mobile home on my property, they did not put it on a cement foundation and instead put it on the ground which has caused the home to sink. Renters have rights, therefore, mortgage holders should also have rights if the predatory lenders do not offer to repair wear and tear on a mobile home. I can not come out of pocket for much because of the monthly payment inflicted on me. I would like to take this to the courts to get justice. Everyone is saying I should not be paying anything. I have taken pictures to back up all my allegations in this complaint. The interest rates are too high, as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
AR Resources posted a collections case that I do not recognize on my credit reports with XXXX, XXXX, and XXXX. AR Resources never contacted me prior to posting this on my report. After seeing this unkown collections item I have attempted to contact AR Resources via email, fax, and USPS mail. I 've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit. 

In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm, including a mortgage that was already approved now being canceled right before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX I tried to use my CashApp card and it was locked. I went into app and was told they would unlock it in 30 mins. then a few hours. then 24-48 hrs. then 2 weeks. I have money on the card. according to the transations no one has tried to use it but me. On XX/XX/XXXX, at their request, I sent them copies of front/back of my drivers license and a pix of me holding it. On receipt they promised to expedite it. Today, XX/XX/XXXX, after my 10th attempt by app and phone they told me I have to send them the pix again in order to " expedite the resolution. I have two case numbers, case # XXXX issued XX/XX/XXXX, case # XXXX issued XX/XX/XXXX. I asked why they assigned another case number and the rep " XXXX '' told me that each time I inquired they assigned a new number. My first time knowing this. Square is a large company that should have FAIL SAFES so these situations don't happen Can you please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Wells Fargo auto loan from approximately XXXX XXXX. Funds applied to next payment rather than additional principal to pay down quicker several times. Company would not allow you to pay extra to principal online when making regular payment. Would have to call- wait on hold for over 20 mins to in order to pay principal only payment. Suppressing consumers from making extra payment toward principal.

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 2021-03-17
Company: EQUIFAX, INC.
State: TX
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 submitted an identity theft report XX/XX/21. The FCRA requires a block of information resulting from identity theft. Block and delete all information in the attached documents. I'm authorizing you to take action on this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: FC HoldCo LLC
State: TX
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir/Madam I am at my wits end and I 'm in desperate need of your help. 
I have tried very hard for more than 3 years to get loan modification from Select Portfolio Servicing , Inc . I have been denied all of these times because of : my income was low or I do not have enough assets to support repayment plan. I have even offered them a substantial amount of money for down payment to help a modification along. I have been to court conferences in NY and worked with HUD-approved foreclosure prevention counselor for more than 3 years. I have submitted completed XXXX applications along with supporting documents at least 8 times so far. Many times the assigned relationship manager, which kept changing, would not call for months. 

I lost all my business due to hurricane XXXX in XXXX and XXXX XXXX, NY was declared a disaster zone by the Federal Government. Property values dropped drastically. There was loss of rental income. My mother and father passed away. At the advice of my housing counselor, I rented some rooms to boarders and had my son move in with me and contribute to show the bank more income. They denied the application this time for too much income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I just submitted my complaint yesterday, case # XXXX. 
I went to the post office after dinner, there is a foreclosure notice from a law firm in NJ. I will try to attach it amd send it tonight. So I look to see when it was mailed, and there is no date on the letter. It is undated. Furthermore, we are told to respond within 20 days of the receipt of the letter. And it is undated? This getting worse by the hour. It is just a XXXX page letter. No 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 2015-07-27
Company: Rocket Mortgage, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I keep receiving calls from a XXXX area code number a person identified himself as XXXX, I asked what it was about and he said I am calling from Quicken Loans. I told him that I have never applied for or done any business with Quicken loans, please do not call again. The call keep coming starting at XXXX, PST from phone number XXXX, when I tried to call back I get a recording saying, this number is not in service. Then today my sister-in-law called to.tell me that they are getting calls from same number and same person named XXXX. I do not give my brothers phone number to anyone. I also will say I have had many medical bills go to collection due to my XXXX and inability to pay them off within 120 days. I also have a very poor credit score as a result of my medical bills. It is very upsetting that a company continues to call after I told them to stop. I have via XXXX XXXX XXXX been able to add this number to a blocked caller list feature they offer. But the calls still come from XXXX exchange with different last XXXX numbers, even gone as far as to use a number of XXXX. I have at times answered calls that caller I 'd showed as " Out of area '' and they ask for me I say no one by that name lives here.

Company response to consumer: Closed with explanation