BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-28
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I have a Barclays XXXX Extra points VISA card. When I purchase items, I accumulate points that can be redeemed for NFL merchandise. On XXXX/XXXX/15, I used their system to request a redemption for an XXXX XXXX NFL replica jersey. It told me that they would ship it to me in 3-5 business days. On XX/XX/XXXX, I tried ( in vain ) to contact them by phone at the customer service number. Their site showed the item as " located in inventory '' yet it was not shipped to me. I was passed from department to department, although nobody claimed to be able to help me with the issue. I finally emailed them asking what the delay was. Customer service emailed me back saying that they were looking into it and would get back to me via email with an update. I received additional emails from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that they were still " looking into it. '' On XX/XX/XXXX, they sent me an email advising me that they were cancelling my order and returning my points with no explanation or consideration on their part. I have since received XXXX more emails saying that they apologize and are forwarding my issue to a supervisor. I 'm not sure how to take this. What good is getting my points back if they ca n't fulfill orders on their end? I am totally frustrated that I ca n't speak to anyone at customer service, that their site still shows the item as " located in stock, '' that my item was never shipped, and that they have taken ZERO steps to make the situation right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have filed  XXXX  previous complaints. I want to make you aware of all the financial institutions involved in a current military scam, it is adverselyaffecting thousands of people.  XXXX  #  XXXX  and  XXXX  #  XXXX . This  XXXX  is about  Wells Fargo . As in previous complaints money is put into accounts and the pulled out of people 's accounts that are victims of this scam. The funds that pay and pull payments from other credit card account are always  Wells Fargo. I a m pretty sure that someone that works  at Wells Fargo i s providing the scammers, supposed  XXXX   of U nited States  XXXX ,  XXXX   XXXX   XXXX ,. I have filed with numerous government agencies to try to prevent other people from falling prey and becoming victims of this military scam. I have account numbers for accounts here. I also have names account numbers that scammers have you deposit into for other banks. I am more than happy to provide you with this information at your request. I also have names of potential family members of scammer and associates that could possibly be employees of  Wells Fargo. The sca mmer lives in  XXXX  CA, not all that far away fro m Wells Fargo HQ.

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 2016-03-29
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Called me on a XXXX debt I 'm not even sure exists, although I did have an account there at the time. Then when I mentioned the statute of limitations in Oregon, XXXX in the litigation department claimed that overdraft fees to a federal bank are n't protected by state statute of limitations. I got payment plans and called back after talking to my wife and looking online. They said their company name was XXXX. I asked them for their address and they refused, they also contacted me from numerous phone numbers from different areas in the United States. So I told them to stop calling or we would talk to a lawyer for unfair practices.

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 2017-02-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage bought out our loan from XXXX XXXX XXXX in XXXX, 2016. We did receive a letter from XXXX XXXX XXXX stating that our mortgage was moving over to Carrington but never received information from Carrington on how to pay my bill. As my payment was due XXXX XXXX and by XXXX XXXX I still had n't received a notice I called Carrington Mortgage to find out that they had n't even put the account through the system and it would be up to 2 weeks before they did. I was able to get an account number and the representative told me for the first 90 days there would n't be a late fee added as long as the payment was received by the end of each month. I verified this information with her twice and made sure payment was made by the end of each month knowing by the 4th month it was back to regular due date. However on the XXXX and 3rd months I was not able to make a payment online as it kept getting rejected. I called Carrington and they stated the bank routing number was incorrect even though it went through the first time. I had to call back several times to get that issue straight. On the 3rd month the routing issue came up again and after a call to Carrington clearing it up the representative stated by Friday it would be unblocked and I could make the payment, there would be no late fee charged because it was their error. I tried all day Friday and all weekend to make the payment just to get the same error. On Monday I called again to find out I had a late fee for non payment. They finally agreed to waive that late fee but did not waive a fee I was charged for paying past the due date even though I was told I had til the end of the month. We were told the original representative that told me I had the first 90 days without a late fee was no longer working there and I was responsible for the late fee even though I was told the wrong information. We have never been late on a mortgage payment and due to this false information we now have a record of being late plus the expense of the late fee. When we called FTC a few weeks ago she stated that we were not the first complaint she had for them that day alone. On the BBB record they have a XXXX negative rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I recieved bank of america payment card and my payment was never on the card sent then the card got rejected in which i beleive someone got my identity info and had a new card sent cause they knew when the money would arrive this process on fileing started bout 4. To 5 months ago dont know the right date cause it happen behind my back but i havnt got no pua payments that im entitled to so can u please help me 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 2017-05-12
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a modification packet since  XXXX / XXXX / 2017 . I was told my packet was going to be review for a modification. However ; SLS schedule a sale date 15 days after they had acknowledge my application. SLS does not want to put my sale date on hold or push it back until I get a decision. I am very upset of the way SLS is reviewing my loan at this point I dont even believe SLS intentions are to help me. Since SLS has done this to me in the pass, I am very scare to lose my home. I dont have any where else to go, and my intentions are to keep my house with an affordable mortgage payment. I am still willing to work with SLS however they are just prolonging my case so my home can finally foreclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continued attempts to collect debt not owed. Filed a complaint with the original creditor  XXXX   XXXX  and they stated in their response that this complaint does n't belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pull my credit report because I was denied a XXXX loan. On my report it shows the company that is reporting the negative information and I call they said they was supposed to report it and received the information from the state. When I called the state, they said they do not give the information out to anyone. I called the CRA again, and they stated that the information came from another agency. I want the information deleted. I do not give them permission to report the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A debt collecter from Quantum Collections called me on Wednesday XXXX XXXX, 2015 at XXXX. The represtative did not fully verify that she was speaking to the right person before she disclosed information about the debt. She only verified me by first name then she identified herself, the company who they were representing and the amount of the debt. After she violated not only the FDCPA, but also HIPPA I told her what she did and asked to speak with A manager or the call center director she said XXXX would not be available until after XXXX. The representative said she would pass my information along and have someone call me. I immediately sent an email. I did not get a response back from the company until Tuesday XXXX XXXX at XXXX after I sent another email the director of operations called me and said that he could not pull the recording and he had not spoken to the representative and what typ of resolve would I like.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
receiving calls on someones dept on my phone from contact callers int. 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 2017-05-12
Company: Northstar Location Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call on  XXXX   XXXX ,   XXXX   early in the day. Call was from  North Star Location Services. Spoke quickly and left a telephone number to call. Voice said this is a call from a Debt Collector. Did not know this company and never did business with the company. Company 's  telephone number is  XXXX .     Message was left on my voice mail. I did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hello, I am reaching out to receive assistance in regards to an urgent matter. On  XXXX / XXXX /  XXXX   @   XXXX   XXXX  . my vehicle was repossessed by  Honda Financial Services . I have had a rough patch in regards to payment and have clearly communicated this to  Honda  at different points in time. The events that led up to my financial woes are as follows : my husband left my child and I after  eight  years to fend for ourselves ; I was laid-off from my permanent position in downtown  XXXX  , D.C. ; and  I have been working temp positions here and there until I was finally employed by my current employer which just happened on  XXXX / XXXX /  XXXX  . The car being repossessed happened a day before I intended to make payment on the past due balance. I understand they kept calling, but I can not answer the calls at work, since again, this is a new position. Can yo u imagine the hurt of walking outside with my child to take him to school and head to work and my   XXXX   old tells me " Mommy o ur car is stolen! '' Can you  imagine  the embarrassment or not being able to show up to work due to my car being repossessed? I need my vehicle in order to get from point A to point B - to take my child to and from school, and for me to get to and from work. This is the first time I have had a repossession. It was ridiculous that when I went to pick up my belongings, they already had an agent the same day, less tha n five hours after picking up my vehicle, going through my belongings and bagging them up. Really-I could no t get an update from  Honda Financial Services in reg ards to the repossession until after  XXXX , but their repossession agent was able to go through my belongings in less than  five  hours from the time of the repossession taking place. When I ca lled Honda Financial Services t o get information, I was met with a " be patient, we still have to wait for information from the agent. '' Yet when it came to me making payment and asking for their patience due to my circumstances, I was met with hostility and urgency. I was not ducking or hiding from Honda-they were easily able to find my vehicle outside my apartment building. There was not trying to get over on them. I had ran into hard times, and as soon as I was starting to climb out of those hard times, I am pushed right back into the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced with XXXX XXXX Loans who immediately sold our loan to LoanCare. I received a letter from XXXX XXXX Loans with information on where to send my first payment which was due XXXX XXXX, 2015. I had my bank electronically send the payment, but XXXX XXXX Loans provided an incorrect loan # which I was not aware of until I received a call from Loan Care that they had not received my payment. I called Loan Care and they told me to have my bank send proof of the electronic payment so they could find the funds and transfer them to my account. I did that, and thought it was taken care of on XXXX XXXX, 2015. I received another call from Loan Care about 2 weeks later saying they had not received payment. The customer service person took all my information again and said she would take care of it. I received another call from Loan Care on XXXX XXXX saying they still had not received my payment for XXXX XXXX and I was delinquent. I called my bank and we got on a XXXX way call with Loan Care. My bank sent Loan Care the information again and I was told it was taken care of and I would not be receiving any more calls from Loan Care, it was now in their hands because they knew they had the money, they just had to find it. I was also told I would not receive a late fee because they had the money. I just got another call today saying they have not received payment and I have a late fee of about {$45.00} due. I 'm now on the phone again with them and on hold. As I sit here and wait, I started reading reviews on XXXX. Every single review is the same as mine. This is ridiculous!! I have spent hours on the phone with them, and they have my money!!! This company needs to be looked into. It seems to be common practice for them. How can they receive money and not investigate where it goes when it has an incorrect loan # on it. There is only XXXX address associated with the account. I just got off the phone and they once again said they have escalated the issue to a supervisor and they will get back to me in 3 days. I 've been told this before and nothing has happened. I 'm hoping that by sending this complaint my issue will soon be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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   XXXX ,  XXXX  I subscribed to a  XXXX  year computer virus protection "  XXXX  '' for {$31.00}. I turned the auto renew off so I would n't automatically renew after a year. However, in  XXXX   XXXX  the company charged me {$74.00} for an auto renew.     I contacted my credit card a t BOA an d at first they put a hold on the charge. However, the vendor responded to the bank that the charge was for an active account and was auto renewed. BOA then put the charge back on my card.     I called BOA and explained that I was not set for auto renew and they told me it does n't matter because the companies website states that subscriptions auto-renew. I explained to BOA what is currently on the website is irrelevant because I have a document that shows I am on manual renew.     I told the bank this was an unauthorized and fraudulent charge and I wanted it removed. BOA told me they would not do that because I authorized the charge. BOA then told me a charge is not considered fraud or unauthorized if at any point in time you give a vendor your credit card information.     I was very confused with this statement and asked them a question using this example.     " If I were to go out to dinner and pay with my credit card, an d four we eks later the vendor charges me for a meal when I was n't there that would not be fraud because I previously gave them my credit card information? '' BOA told me that is correct.     This seems unbelievable to me, and I was talking to the card manager.

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 2015-05-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom it May Concern : I have a mortgage with Compass Bank ( loan number XXXX ) which I am trying to refinance. The bank has quoted a payoff quote that is excessive. My current statement attached shows a balance of {$150000.00} as of XXXX. A mortgage payment was posted after this statement was issued ( XXXX ). However, they are showing a current payoff of over {$160000.00}. When I called their customer department they informed me there was a {$2900.00} interest charge added to the payoff. They are researching this situation in order to verify the payoff amount and have asked anywhere from XXXX to XXXX hours to conduct their audit and respond. 
I believe this shows some significant issues with a bank operation when they proceed to offer such gross negligent payoff quotes. Fortunately for me I am knowledgeable enough to understand there was an error in their calculations. My concern is that Compass Bank may have issued many incorrect payoffs in the past and have not provided refunds to less sophisticated customers. If they know of a system problem, they should have corrected this by now. 
A suggest an audit of their operations in calculating an providing payoffs would be appropriate.

Company response to consumer: Closed with explanation