BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Im still getting repeated harassing phone calls from XXXX XXXX XXXX XXXX XXXX Extension XXXX. Despite her being told countless times that XXXX XXXX does not reside at this address or has this telephone number in his name. This XXXX continues to call and harass me anyway despite me filling out and sending these individuals back the Legal Form

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 2015-10-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have Chase Bank as my Bank.I a bill with a check for that insitution, I called the bank to inform them if they could reserach the check i wrote for the amount of {$88.00}, becuase i could n't recall what it was for or to whom it was written out too.Their representive informed me that they would do that, and call me back as what they found out.They also stated that i file a claim, so i asked them to please do so, and get back in toch with me.Instead they put a stop to the check, while all along i though the check went thru to whom i wrote the check too.Well i found out thru the company that the wrote the check to, had charge me a {$50.00} return fee because the bank had put a stop on the check. I never authorized the bank to put a stop on the check, just to research the claim.So i ask the bank to please reinburst me for the {$50.00} that i was charge, because they put a stop on the check.I WAS TOLD NO, by there customer service rep. would you for you to please research my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In follow up to the complaintXXXX, I have asked Chase to provide me the Appraisal that was done on XX/XX/XXXX which resulted in the amount shown on my original contract. I have paid for the appraisal and need a copy of it, they have refused to send me a copy or they did not actually perform the appraisal. Each time I request the XX/XX/XXXX appraisal they will forward me an appraisal that was done on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
I have a Chase Credit card. I took advantage of a promotional offer to have 0 % interest for a year. That worked fine. My minimum payment went toward paying down my balance. When my promotional period ended, I took another amount w/0 % interest for a year. Now, a portion of my balance is charging interest, and a portion of my balance has 0 % interest. They add the interest based on the higher balance to that higher balance every month since my promotional period has ended. That makes sense. But, now when I am making my minimum payment, they are not crediting any of my payment toward the balance bearing the higher interest. Therefore, no part of my payment is being applied to the interest that I was charged. They are crediting the entire minimum payment to the balance w/no interest. This is causing my other balance to increase by the amount of interest charged each month, plus I am now getting charged interest on the interest that has been added each month. I have not been allowed to have any part of my payment applied toward the monthly interest charge! I thought new rules existed that prevented credit card companies from crediting your entire payment to a balance with lower interest. Apparently Chase has found some loophole where if your lower interest portion is from a promotional 0 % offer, then they only have to apply an amount over the minimum payment to the higher interest balance. If all I had was the XXXX balance that is in the promotion, my minimum payment would be less then what it is for the entire ~ {$4000.00} balance on the account at this time. I know this, because I only had XXXX minimum payment when I had ~ {$3000.00} promotional balance. I do n't understand why they would be allowed now to apply ~ {$75.00} minimum payment entirely to a promotional balance of XXXX {$1000.00}. You would think that they could only apply the minimum payment proportionately to the balances. For example, Minimum payment = {$75.00}, where {$19.00} is applied to the XXXX balance and {$56.00} is applied to the XXXX. Then, any extra amount paid over the minimum would go to the higher balance. Is it really true that they ONLY have to apply the amount OVER the minimum payment to the balance with higher interest? If this is allowed, it should n't be. Cunsumer beware of taking a subsequent promotional offer before your first one is paid for!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Cascade Capital, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Loan was paid in XXXX XXXX. In XXXX, 4 years after I moved from VA ( moved in XXXX XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by XXXX XXXX XXXX representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan XXXX XXXX XXXX had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX XXXX XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that XXXX XXXX XXXX is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from Cascade Capital attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX XXXX XXXX XXXX contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to 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 2017-02-18
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX obtained a default judgment against me for a debt I have no idea what it is. And i was never served papers to appear in court to defend myself .XXXX was sued in a class action lawsuit and went out of business selling their paper or debt they had to Stephen Einstein & associates who is now garnishing my wages this is now twelve years after the original claim by XXXX.I did have an attorney send a letter to XXXX and he never responded to my attorney at all..I have every letter and document that I have received in my possession if you need it sent to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
On Wednesday, XXXX XXXX of 2015, I was in receipt of a " Warrant In Debt '' which was serviced by a XXXX party service provider, XXXX This packet alleges I acquired an account from XXXX XXXX Bank which has been charged off due to non-payments. With review of the document ( s ), the debt has been sold a total of XXXX times ( i.e. XXXX ; XXXX, XXXX ; XXXX, XXXX ; Midland Funding ). Due to the recent sale, the new owner, Midland Funding placed the account / file with an attorney firm which they 've prepared the file to seek judgment against me within the state of Virginia ( Docket Number : XXXX ; their case file number : XXXX ) and I have absolutely no knowledge of this debt. Speaking of Midland Funding and the attorney representation - once a debt buyer and/or creditor purchases a debt then they have up to 30 days to issue a Demand / Dunning letter, and if the debt is to be serviced / collected on the companies behalf through Contingency or Legal strategies then a Demand / Dunning letter is required to be issued to the respective individual several days after placement. In result of such, I was never given an opportunity to dispute any of their claims since a demand letter was not provided and I did not find out about such debt until I was in receipt of the " Warrant In Debt ''. I have a permanent hardship which is not the businesses rights to know my medical history, but these measures are unfair and I 'm being taken advantage of when I did not acquire a debt from XXXX. I seriously do not need to go through litigation for illegal practices on behalf of the new owner and the XXXX party vendor / attorney. To the point - this is not a debt acquired by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have no idea why we got a debt collection bill for {$7.00}, when I paid this bill off over a XXXX ago, and never even got any recent bills for this amount. No idea where this came from and will be very angry if this affects my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A bank account was opened in a Wells Fargo bank in XXXX XXXX, California in my namewithout my knowledge. I was a victim of identity theft. For two years the person said I worked for XXXX for him as a care giver He had a direct deposit of the checks placed in a Well Fargo account .At the same time I was in negotiation with the IRS to settle for back taxes owed in the years XXXX and XXXX. They said that I did n't report the income earned for these two years. The settlement agreed on was denied as a result of the identity theft. The XXXX XXXX police arrested and convicted the person involved. The police showed me forged signatures of an account opened in Wells Fargo bank .I contacted WFB and they say there is no account in their system that matches the detectives findings. The fraud claim was denied by WFB. The case number is XXXX. They sent me a letter on XXXX XXXX XXXX to contact XXXX XXXX. XXXX times I tired to reach her. No phone call back I have contact XXXX XXXX a higher up supervisor. No phone calls have been returned. I want my name cleared with a letter to the IRS and SS. {$25000.00} was stolen from XXXX in this fraud and not XXXX person seems to want to help me .I have proof from the police report, SS and the IRS and WF refuses to admit wrong. I 'm XXXX, living on {$1100.00} a month. I need help. I do n't have the resources to fight them. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
My credit score dropped, and I was denied credit, as a result, because American Express reported late payments and charges, incorrectly. They had continued to place monthly charges on a cancelled credit card. They have now acknowledged their error, and ttheir most recent submission to the credit agencies should reflect that my account has been current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Transworld Systems Inc. dated XXXX/XXXX/16 for the amount of {$110.00}. 

I have no idea what this debt is about since I pay all my road tolls, parking tickets and medical bills. I have never received a bill from a creditor for this amount so this is the first communication I received about owing a debt. 

The letter did not state who the creditor was or what the bill was for. The Transworld website contained no information to check this account for me to look it up. The phone numbers listed on the letter and website are dead numbers so the company can not be contacted. I have read online ( consumer reports ) that other consumers are having their credit reports damaged by this company who ca n't be reached for questions about the debts they 're trying to collect. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
this is regards to the lawsuit settlement between CFPB and XXXX College. My son had XXXX student loans issued thru Genesis Lending via XXXX. My husband is a coborrower on these loans. He has received XXXX letters for the XXXX loans, but our son has not received these letters - it is very important that our son receives these letters addressed to him as it has these XXXX loans have had a negative effect on his credit reports. The letters sent to my husband stated that notification was sent to the XXXX major credit reporting agencies requesting that these tow loans ( accounts ) be deleted from his credit report, but our son has NOT received these leters.

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 2017-01-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SLS servicer for loan XXXX is refusing to comply with the closing in order to get the investor paid. Approval was given by sls on XX/XX/XXXX 2nd lien approval came XX/XX/XXXX ( received XX/XX/XXXX ) Both approval letters were provided to the buyer 's lender. Buyers lender started the loan process on XX/XX/XXXX. however with all holidays and the skeleton crews at the banks, SLS only gave 24 business days to complete a buyer loan. Buyer 's asked for extension, one was granted for 7 days hardly enough time to close the file. We are still waiting on the 2nd lien approval as well. XXXX 's lender has had less than 30 days to do this loan and SLS is bulling us and threatening us to not let us close. We asked for an extension to XX/XX/XXXX but they gave to XX/XX/XXXX we asked for 2 extra days but they refused and sent a nasty email. Values are good for 6 months. Sls is sabotaging this closing because they have ego problems with in the staff. We are asking you to please get involved to help us get a normal extension period. 
Both approval letters are attached. as you know the buyers lender will not start the buyers loan until both approval letter are received by the short sale lenders. In this case the XXXX lien approval letter lagged by 11 full days so buyers lender could not start loan until XX/XX/XXXX. SLS Mtg. was told via phone conversation of the 2nd lien date of approval and are now Sls is refusing to help their investor close instead they would rather do a foreclosure. We need help please. 
Thank you

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 2015-12-01
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I have an US Bank issued XXXX XXXX XXXX that gives a renewal bonus of free night certificate ( XXXX ) valid for US redemption after spending {$10000.00} and paying the credit card annual fee. The XXXX was supposed to be issued within 6 to 8 weeks of meeting both requirements. I met the requirements in mid XXXX and I should have been issued the XXXX in late XXXX/ early XXXX. I have been contacting both US Bank and XXXX XXXX numerous times since late XXXX both by emailing and calling. They blamed each other for the delay and each told me to contact the other party as they are not responsible. After doing some research, I found out US Bank is ultimately responsible for the delay. 
After weeks of back and forth, I finally got a hold of an US Bank supervisor who verified my meeting the requirements and promised to " escalate '' this case with the rewards department. I was told that I will receive the XXXX within 10 days. That was a month ago. The supervisor even said that she 'll follow thru to ensure the XXXX will be received by me in a timely manner after I told her that I need to make a reservation for XXXX. US Bank failed me on many fronts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We signed a loan application to refinance our mortgage with Lakeview Loan Servicing on XX/XX/XXXX. They assigned the servicing to XXXX. We have paid for an appraisal on XX/XX/XXXX, which was completed on XX/XX/XXXX. As of today, XX/XX/XXXX, XXXX has not been able to close on the loan even though we had provided everything requested at by the time the appraisal was ordered. Additionally, as the process had continued, I had repeatedly asked for a Loan Estimate, which I had never received until today ( XX/XX/XXXX ). We have a home equity line of credit with a local branch of XXXX, and the branch manager for that bank said they needed a copy to complete a subordination request. At this time, our loan officer at XXXX finally provided us with a Loan Estimate. The loan estimate shows a issue date of XX/XX/XXXX. Our rate lock has expired and been renewed four times. We have lost all confidence that XXXX will be able to close our refinance and are very concerned to have them service a refinance of our mortgage. We have also learned that they are out of compliance since the requested verification of personal information without providing a loan estimate.

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 2015-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was researching to consolidate credit card debt. Lending tree rated a Chase credit card as very good. Filled out the application to see what l could qualify for. They stated on the web site, amount and interest % based on qualifying credit. The next thing I knew I was being congragelated for my new credit card! ( XXXX mins. ). I was never shown the terms of the credit card to either accept or decline before they issued the account! Whith in XXXX seconds I spent XXXX minutes trying to contact and speak to someone with Chase credit card support to decline the credit card. Very rude and condescending customer support. There only solution that was offered to me was to cancel the account, an account I never had the opportunity to view the terms of. I voiced my displeaser on the negative consequences of opening and cancelling a credit account towards my credit history report. Basically told " not their problem ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX XXXX I filed for bankruptcy. My home was in foreclosure status I owed over {$5500.00} in arrears I was dealing with a financial hardship at the time and XXXX XXXX XXXX was the bank I paid my mortgage payments too. After so many denied loan modification XXXX XXXX XXXX finally approved XXXX back in XXXX XXXX. What happen was the remaining arrears had been put to the end of the loan ( deferred ). I had paid {$1300.00} on the arrears during the bankruptcy. Specialized Loan Servicing brought the loan from XXXX XXXX XXXX back in XXXX XXXX. I started making payments to SLS in XXXX XXXX and at present I 've not missed XXXX payment. SLS not once ever sent me a monthly invoice but back in XXXX XXXX when my bankruptcy was discharged they have been aggressively sending me threatening foreclosure letters saying I am {$3600.00} in arrears. SLS said XXXX XXXX XXXX reported to them back when they brought the loan I had some missed payments, the months SLS told me I missed I sent proof that the payments had been made to XXXX. That did n't work then I sent them a copy of the loan modification from XXXX that did n't work. I know that SLS is trying to get the remaining arrears that was deffered because back in XXXX XXXX they sent a loan modification package to my bankruptcy attorney and the attorney sent the package to me.

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 2016-10-11
Company: Fairway Independent Mortgage Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a Chapter XXXX in XXXX. I received information from my mortgage company regarding a loan modification, which I immediately responded to. I had sent all of the documents requested, I have even continued paying my mortgage on time. I have left messages for the manager to contact me and I have not heard back from anyone. I have expressed the struggle I am having to pay my mortgage and I am being ignored. I also asked that they take me off auto pay as I need time to catch up with payments and they refuse to assist me. My account is in the negative because they did not honor my request. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation