BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I Try to get my free credit report for Equifax It tells me all the time I can only request it by mail and not online because they ca n't identify me online. 
This is very strange because Equifax lets me purchase for money my report on their website and they identify me perfectly, but when I try to get a free copy it never identifies me. 
I just feel that because it 's free they make it hard for me to get it, but when I pay for it, it works perfectly fine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear CFPB, We are in the process of XXXX and as part of the process need a notarized letter from our bank ( Citibank ) regarding our account balances, ownership details and length of relationship which Citi has failed to provide delaying processing of our case. 
We would very much appreciate your help in getting this from Citibank so that we can proceed with the XXXX. 
Sincerely

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 2015-09-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
( 1 ) The quick and dirty is my house was foreclosed on in XXXX. In XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XXXX, in part, because I was still on XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XXXX this year, in XXXX XXXX, Maryland. 
I do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A 'stop-call ' letter was provided to the debt collector, but they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2014, I received a loan modification offer from Bank of America while in litigation working with a law firm to help facilitate the process. After making several trial payments, I received a permanent loan modification offer in XXXX of 2014 which was nothing like the modification offer/details provided in XXXX. The offer in XXXX is severely damaging and provides absolutely no relief or comfort to save my home. Furthermore, it keeps me extremely buried upside down to the point it feels like a cruel joke. They did a total breach of contract. The changes below highlight the significant changes : SETTLEMENT OFFER XXXX 2014Loan Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for XXXX years. 
Amortization term XXXX. 
Principal balance {$390000.00}. 
Principal forbearance {$160000.00}. 
Principal forgiveness of {$270000.00}. 

SETTLEMENT OFFER XXXX XXXX Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for 3 years. 
Amortization term XXXX. 
Principal balance {$830000.00}. 
Principal forbearance {$230000.00}. 
Principal forgiveness of {$0.00}. 
Balloon Payment : $ XXXX have complained to my attorney 's office, but they were only confused as well and not sure what or why XXXX did something like this. I even received permanent loan mod docs for signature late from my old attorney and they just wanted me to sign without questioning the complete change in loan modification terms. I reluctantly did as my counsel scared me into thinking if I did n't, I would lose my home. I dismissed my case and my attorney in order to represent myself as I began to feel like the attorney 's office did n't really care anymore since I paid them in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I made a agreement to settle my account with capital one for {$5000.00} in the amount of {$750.00} for 6 months. I have made XXXX payments which the balance now is {$3700.00}. I am requesting capital one will listen to my financial hardship at the moment for why i have n't made the payment for XXXX. My son was going to college and he was receiving student financial aid which was the reason i was able to make these XXXX payments. For a personal problem he had to withdraw from college and transfer to a new XXXX. It will be two more months before he will receive his refund money. We will be able to pay the {$3700.00} balance in full. I am requesting that capital one not cancel this agreement. I am also requesting if i can trade the XXXX XXXX for a XXXX, it currently has XXXX. My son will have a down payment of {$6000.00} in two months if we can work it on trading for a new truck. I have lifetime income and my son receives XXXX, in the amount of {$650.00} all total income, is {$1500.00} stable income for life. With my son receiving refunds from him attending college the income his hire. But with my son not receiving his money for this month, we ca n't pay the XXXX {$750.00} payment. That is why i agreed to settle with capital one for {$5000.00} to pay off the loan, but with this set back and him having to attend a new college it will be two more months before he gets his money. I am asking capital one not to cancel the agreement, or to trade a new XXXX truck. This has caused me a lot of distress in trying to figure out what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.

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
Consumer complaint received 2016-04-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was purchased by Ocwen from IndyMac mortgage co in XXXX, since that, my monthly payment is going up and up. 
XXXX show that it was -- -- -- -- -- -- - {$670.00} in XXXX when they purchased my loan XXXX show that is should be {$710.00} for the XXXX/XXXX/XXXX yet they posted it in my account to be {$760.00} and I paid {$760.00}. 
XXXX show another increase just within few week of receiving the $ XXXXmonth increase to {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
It seems the bank ( Wells Fargo ) has an error in their loan management system. I had made an error in setting up my automatic loan re-payment information and inadvertently missed a payment. This triggered a {$20.00} late fee in my account. No problem with that. However, when looking at my statement, I noticed that the line item that added the {$20.00} late fee also incurred a {$.00} cent interest in the same monthly bill. I think that is wrong and hopefully just a " programming error '' and not an INTENTIONAL act to XXXX money from consumers. Please look into it and either explain this action or ask Wells Fargo to change their practice. I made a personal complaint when I called to ask for a one time waver of the Late Fee. They did grant me that waver but did not say anything about this OUTRAGEOUS interest gouging practice. XXXX multiplied by XXXX is a lot of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A trust was established upon the XXXX of my grandmother XXXX years ago naming a local XXXX Bank as executor. After many changes in bank ownership, the account is now held at Wells Fargo. It has been indifferently managed for most of this time and the fees now outstrip the income provided by the small gains. They have decline my request to step down from their management role. The bank charges large fees at every opportunity, for tax reporting, for management fees, again for mutual fund fees ( bank managed mutual funds ). It is being managed in service to the bank 's interest, not the family 's. Eventually the trust will have been depleted at which time I assume the bank will happily relinquish their control. I would like to stop this eventuality.

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 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XXXX keeps charging my checking account every month for services I can not receive because the company is closed. I call XXXX XXXX  and no one answers the phone. I have contacted capital one to stop the charges but capital one is still taking money out of my checking account {$35.00} evey month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I found this statement XX/XX/2022 on my account wanted to see the details of transactions deposited withdraws XXXX... In more detail but chase won't do it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX XXXX XXXX and American Express have some partnership that requires consumers to sign up for a XXXX to get a discount on your phone. It was not spelled out that consumers were signing up for a XXXX. American Express then bothers you with emails and sells your contact information to other parties. When you attempt to close your account American Express sets up roadblocks and lies to the consumer about the accounts and the necessary steps to close an account. I 've attempted to close our accounts XXXX times and hope I have finally been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My ex-wife and I submitted paperwork, back in XXXX 2016, to Ocwen requesting a short sale of our condo due to several significant, long-term hardships including divorce, relocation out of state due to a family hardship, increased mortgage expenses and high medical expenses resulting from an ongoing health condition. Shortly after our first request was denied, several additional major hardships presented themselves -- loss of renters in our property thus taking away a significant portion of income, job instability and a major salary reduction due to a severe company financial crisis. The new monthly salary, in its entirety, does NOT even cover XXXX of the mortgage payment! This does n't even take into account obvious living expenses and obligations that need to be made each month. Despite these additional hardships and our monthly cash flow being grossly negative, we were denied a second time. We clearly meet the guidelines defined by the XXXX Program and yet Ocwen does nothing but categorically deny our application and refuses to negotiate the short sale of our property. Taking all of our hardships we are faced with combined with our available assets having been all but depleted and our inability to make a mortgage payment for the last few months, Ocwen still makes the absurd claim that us defaulting on the loan is NOT imminent. Not only is a default imminent but the reality is that it is inevitable. Based upon our dealings with Ocwen, lack of communication and the ludicrous decisions we have received from them, we assert that Ocwen is failing to give credence to the information we are submitting and is operating directly against the XXXX program. Additionally, our divorce decree stipulates the property must be sold, thus Ocwen is forcing us to continue to hold onto a joint asset indefinitely and directly degradating a court order. It is clear to us that Ocwen is operating their business in an unethical and fraudulent manner and this needs to be addressed. We respectfully request this be reviewed and the Ocwen approve our short sale application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Firstly, I was sold a pick-a-pay loan, which is illegal to sell to consumers in the state of Illinois. My loan was closed without a notary present. The notary 's signature was a copy, which is not accepted by the XXXX XXXX. It was not disclosed that my minimum mortgage payment could triple which it did. On top of this, the mortgage company took out an insurance policy with XXXX XXXX XXXX because they new we would default. A claim was processed by the mortgage company but denied by XXXX XXXX because of fraud. I left letters from the XXXX XXXX acquired through the department XXXX verifying this. According to XXXX XXXX, nothing has ever been recorded with them. When asked for copies of the origination papers ( requested several times ), there is always a different title company listed. The application was computer generated with a copy of my signature ( very obvious copy ). The application shows my title at Vice President and making {$8000.00} per month. They are stating that an equity line for {$35000.00} was taken 1 year later that I do n't recall. The only origination paperwork they have for this equity line is the exact same application used for the the mortgage, a year later. According to IRS transcripts, I was only making {$2500.00} per month. I was never a Vice President. My house is only XXXXbathroom. Sold comps in my area show that the value is about {$180000.00} but they keep insisting that it 's worth way more. They added forced-placed insurance on our file for several years, even though we 've sent them proof of insurance many, many times. They deny everything! Please refer to previous complaint # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Denial received on all even though I supplied proof.

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 2015-10-23
Company: Asset Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2015, I received a letter from Asset Recovery Solutions , LLC, ID # XXXX, XXXX license # XXXX, The letter was dated XXXX XXXX, 2015, The company owned meter stamp on the envelop was dated XXXX XXXX, 2015. I moved XXXX XXXX 2015. I filed a moving notice with the XXXX XXXX the last week in XXXX. 

This, letter as stated above, arrived at my new address on XXXX XXXX, 2015 with an official yellow forwarding label placed by the XXXX XXXX dated XXXX XXXX, 2015. This letter was NOT mailed to me on XXXX XXXX, 2015, but rather sometime in XXXX with a date placed by this preditor company of XXXX XXXX. The company owned meter stamp was altered to reflect a date of XXXX XXXX, 2015. 

This company will stop all proceedings against me at once. 
any manner.

Company response to consumer: Closed
Consumer complaint received 2016-09-20
Company: DriveTime
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a five year loan with Drive Time, I did XXXX deferments with them. I had a few late payments, although I did send extra money. My loan was supposed to be paid off on XXXX XXXX, 2016. According to their records, due to late fees, my loan was to be paid off by XXXX 2016. I was in the process of buying a home, and I wanted to get this loan paid off. I paid it off, I gave them XXXX dollars XXXX, then XXXX dollars more on the XXXX. My Mortgage lender had emailed me and said they had lowered my credit score. I could n't get approval for a loan for the house. I called Drive Time and tried to figure why that happened. They kept telling me it was late fees, but I knew I did n't have that many late fees. Then on XXXX XXXX, my daughter got on the phone with Drive Time and we tried to reason with them, but they would not listen. I feel they did me so wrong with effecting my credit score that I was unable to buy a home. I feel everyone should know about Drive Time, how unfair they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to obtain a loan modification from Wells Fargo. We have a previous complaint number on this case ( XXXX ). We were told to contact the bank today on XX/XX/2017 as the investigation would be complete. We contacted the Executive Resolutions Specialist today. He informed me they have extended the investigation to the XX/XX/2017 which is the scheduled sale date of our home. He informed me he would contact me on XX/XX/XXXX and that he could not and would not stop the sale of our home. His name is XXXX XXXX at Wells Fargo Executive Resolution Center in Iowa. They are performing dual tracking, misrepresentation and fraud. We are begging for help in this matter.

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 2015-06-04
Company: CITIBANK, N.A.
State: DC
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
I was issued a citi prepaid card by the XXXX to remit my tax return. When I registered the card no details are provided on ACH fees - or any fees even as the user agreement forces agreement to the fees. The disclosure indicated a link to said fees would be provided but none was. I searched the site and elsewhere online thoroughly and found none. I called the customer service line and no option to speak with a customer service representative was provided, only limited automated service. Considering this is my money provided in a format I did n't approve, at least I could be provided clear terms and adequate service given Citi is earning returns on my float and potentially vendors where I will be forced to use the card as direct transfer to my bank account has unclear financial fees. I 'm highly irritated and should be able to access my own funds more easily.

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