BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2015, my wife and I applied for a Home Equity Line of Credit with the local ( XXXX, GA ) branch of Wells Fargo Bank. The application was sent to Wells Fargo 's central loan office for processing and a XXXX XXXX was assigned as our loan officer.. 
On XXXX XXXX, we received an email from XXXX XXXX informing us that our application was declined and that we would receive a letter explaining this decision within 10 - 14 days. 
As of XXXX XXXX, 2015 we have received no such letter or explanation. 
In addition to being a violation of the Fair Credit Reporting Act, the lack of any explanation places us in a difficult position since we would like to apply to another financial institution for a HELOC but are reluctant to do so until we know why our first application was declined so that we can take corrective action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX, XXXX, and XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

18 usc 1028

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Property damage due to snow load in XXXX 2015. Insurer sent check payable to us as homeowners and mortgagee of record, Wells Fargo Bank. Check was executed and forwarded to Fargo whom received same on XXXX/XXXX/15. Prior to this, all required documentation forwarded to and received by Wells Fargo. We requested to be named XXXX on the property repairs and were initially allowed by Fargo XXXX see paperwork ) and informed on XXXX/XXXX/15 that a check would be issued and requested overnight. On XXXX/XXXX/15, I was informed that a check was not issued as I must have been given " incorrect information '' that we would not be able to be the XXXX on the project and unless they ( Fargo XXXX received a new set of documentation, no check would be considered. Also, the initial check would not exceed {$10000.00} XXXX which is less than 25 % ) and even though I had previous access to their website XXXX XXXX XXXX, I was not granted any further access due to being in a " modification '' status and all communication would needed to done over the phone or that they ( Fargo XXXX would contact me. If a check were to be issued, initial repairs and monies would be need to be provided by me as the homeowner and any monies due to my independent adjuster would need to come out of my own pocket without reimbursement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: U.S. BANCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Upon my filing for Chapter XXXX bankruptcy, I was informed that the XXXX students loans that I co-signed for my daughter XXXX XXXX XXXX were taken out of deferment, closed then transferred to a collection acct. XXXX is and has been, since original loan was taken out, at least a Part-time student and currently has federal loans that are in deferment and good standing, is currently a XXXX with full deferment qualifications, with no lapses. 
These loans were taken out in XX/XX/XXXX and XX/XX/XXXX and should have reached there Statute of Limitation for reporting. We feel the transfer was performed as to re-start the Statute of Limitation time line. We, Myself and XXXX, have on numerous occasion to try and negotiate with them, stating that we do n't understand why they were taken out of deferment at all. Our Credit has been tainted since this began and has caused, on numerous occasions, denial of credit/home loans.

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 2015-05-20
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I had been a client of First National bank of Omaha since the early XXXX. I just recently noticed they charged me an annual fee of XXXX which I never agreed to. I sent them an e-mail asking why and when had this started because when I applied for the card it had none. The response it happened in XXXX because of the card upgrade that took place. I do n't recall approving them to upgrade or even requested for an upgrade. The credit line with them had even reached up to XXXX but I requested to bring it down about 8 years ago. What is bad they have been charging me this fee and apply it to a XXXX percent interest rate, I only use the card only when promo of lower rates are offered. At this rate nobody would be able to pay them down. They agreed to reverse XXXX fee if I agreed to close my account. I have but I want to request all other fees in the past be reversed to include that high interest rate being charged on them. 

The question how much have I lost. I calculated an estimate of interest on the ann. fees being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Other

Complaint:
I have a credit balance on my credit card. I contacted USBANK both by email and by phone and requested that the bank to send me a check for that balance but they refuse to issue the check. They say they are " researching '' it! The money has been in my account for 10 days and I requested it on XX/XX/XXXX by email and phoned the bank on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
At branch located in a grocery store XXXX MN on XXXX XXXX 2016 I help my kid set up a student checking account. The Branch Manager XXXX XXXX. asked if I would like to open a new credit card. I said no and explained I just opened XXXX a couple of months ago and that I was good with that XXXX. I received a letter dated XXXX XXXX that my application was denied because of gross income. I went back to the branch and questioned the manager and she agreed I declined a new card but said it would have only been a soft hit on my credit report. She said she would get back with me. After some time with No response I contacted her boss XXXX XXXX. He asked me to send documentation and a notary. He said he would take care of it. As of today it is still on my credit report under XXXX. I have attempted to contact the boss this week with no response so this is now my third step to solve and issue the US bank caused.

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 non-monetary relief
Consumer complaint received 2016-08-10
Company: Diversified Consultants, 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:
They have listed on my credit report but made no attempt at contacting me. Suspect this is zombie debt. Set open date incorrectly for sure

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Kirkland Asset Management LLC
State: WV
Product: Credit card
Issue: Delinquent account

Complaint:
I was contacted by kirkland Management in New York saying I was going to be served papers and be sued if I did not pay. I told him my personal money situation and he said he was being nice and offered me a lower amount to pay them. They do have my information, but their pressure to comply and threatened to serve papers if I did not call them before Monday afternoon ( this is Friday afternoon ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I see that the CFPB has already fined Residential Credit Solutions ( RCS ) with a {$1.00} XXXX dollar fine for illegal mortgage service practices. It seems that RCS has committed the same practices on me. On XXXX/XXXX/2015, I received a letter from my previous mortgage loan company, Residential Credit Solutions, that I was NO longer required to pay Private Mortgage Insurance. Per a recorded conversation with them, it was confirmed that the PMI was cancelled on XXXX/XXXX/2015. However, I continued to be charged PMI in the form of Escrow. I faxed a copy of my complaint along with their original letter to RCS. I received a reply from RCS wth a confusing breakdown that they supplied. Their response as to why I was no longer required to pay PMI, but, NOW have to pay Escrow was not satisfactory, nor, reasonable. Months later, my loan was sold to XXXX. XXXX continues to charge the monthly escrow. I will attach documentation to support my claims with this complaint.

Company response to consumer: Closed
Consumer complaint received 2016-04-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX, I faxed Carrington Mortgage a request to have XXXX ( 30 ) day lates removed from my bureau reports. The payments were not thirty days late. The XXXX payment was phoned in on XXXX XXXX, XXXX and the XXXX payment was phoned in on XXXX XXXX, XXXX. My payments have always been made at the end of the month since inception with XXXX Bank in XXXX. I explained that my credit score was XXXX on XXXX XXXX, XXXX and it dropped to XXXX by XXXX XXXX, XXXX due to Carrington 's reporting. The XXXX payment did not report until XXXX. I called Carrington several times and told them I am a XXXX patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments XXXX miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus, because it would slow the process. Thirty-four days later, on XXXX XXXX, XXXX, Carrington finally told me via the phone they refused to remove the thirty days late, because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service XXXX XXXX payroll to Social Security and long term XXXX income, but I always made payments prior to thirty days late. This organization is ruthless. I believe they destroy people 's good credit to attempt foreclosure on them. There lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I unfortunately have my mortgage through LoanCare LLC. We bought our home in XXXX. This company did not pay our taxes in XXXX, and we had to call multiple times to have them pay in XXXX. Well our XXXX tax statement comes out and low and behold only our XXXX taxes that were paid are in that statement. We should have a statement with both XXXX and XXXX taxes that were paid. I have reached out to them 4 times with this issue and no resolution. It has been " sitting '' with the tax department for the last month and a half and nothing has come of it. The customer service reps are rude and nasty and just through you around in circles.

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 2015-09-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a Home Mortgage with XXXX XXXX XXXX and became delinquent due to loss of income and my divorce. I was working with XXXX XXXX XXXX until my loan was transferred and they refused to continue the conversations and referred my to the new Servicer, Carrington Loans. They gave my numbers to contact Carrington XXXX. I have attempted many times and Carrington says they do not have my loan. I have not received a. loan transfer letter or anything in writing to advise me of my new loan # or their contact information and when I call Carrington Mortgage they say they do not have my loan. I am now in foreclosure with a sale date. I have not had appropriate communication from Carrington nor been offered HAMP or other options to allow me to explore those options. Last call made XXXX/XXXX/2015 at XXXX XXXX ( EST ) and they again stated they could not find my loan and then transferred my to their loan resolution department where I was disconnected. This is one of many times since I received foreclosure notification that I have attempted to contact Carrington and always wait and wait and get disconnected. I DO NOT HAVE NOR HAVE EVER RECEIVED MY CARRIINGTON LOAN # and they continually refer name back to XXXX XXXX XXXX who states they service transferred the loan in 2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Second Chance Collections, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contact repeatedly by this bill collector on a debt that is not owed. I have repeatedly told them to stop contacting me as well as asked for verification of the debt which then can not produce. I have been contacted by email on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX I have been contacted by phone : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter

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 non-monetary relief
Consumer complaint received 2015-09-08
Company: Niagara Capital Recovery LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Person calls repeatedly from a restricted nbr claims to call from a government office threatened to send a summons to my job and contacting family saying they are going to get me fired

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2014, I lived for a year at XXXX XXXX ( XXXX ). After moving out I was asked to pay for carpet replacement. The carpet was not in a good condition when I moved in and I was surprised they expected me to pay for brand new carpets when there werent new carpets when i moved into the apartment. I tried to explain and reason with them to no success. They have since reported me to collection and placed a derogatory mark on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
It has been XXXX nightmarish episode after another with bbva compass bank. This bank organization seem much more interested in find a way to levy hefty and generous fees and giving away my money, than any thing else! It was XXXX consumer episode after another. I have been completely unhappy and felt abused in dealing with this organization. I plan on filing complaints with my congressional representatives and whatever federal agency I can find. This organization wants to engross themselves on the backs of the hapless and poor. Which I feel is very discriminatory in nature. Having money in accounts with this organization has been like putting gas into a car while it has holes is the gas tank. I will also be looking into hiring a legal firm to look into these business practices at this banking organization. There are probably a lot more small accounts that are suffering a the hands of this bank. I feel that this bank operates in bad faith and has been gross negligent with my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage servicer lost my cashiers check and is reporting it as 30 days late on my credit report. This was my first payment. I mailed it to my original servicer, XXXX, and it was never applied to my loan. I feel as though I am being the target of predatory servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Without notifying me, BBVA Compass closed both of my accounts and withheld the funds previously contained therein. I later learned that they had done so based on derogatory information received from XXXX XXXX. BBVA Compass did not provide any notice as to their use of this information. 
BBVA Compass also held and restricted my access to the funds taken from the closed accounts without notifying me. BBVA Compass would have held the funds indefinitely if I had not acted in a way so as to regain control of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
Compass Bank took {$7500.00} UNAUTHORIZED out of my XXXX XXXX checking account on XXXX XXXX, 2017 to pay towards my Compass bank Credit card which had a XXXX balance. I paid it off on XXXX XXXX, 2017. I have contacted them 4 times, each time being told it would take anywhere from 3-10 business days to give it back to me. They refused to give me a cash advance without interest or fee to cover it. This was asked for by a banker from a branch I went into yesterday. That is a LOT of money, and I need it back in my checking account. They basically stole it from me. They have acknowledged that is was unauthorized. HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged XXXX NSF fees by BBVA compass bank and they placed these charges on my account discriminately and did not post these fees as the charges posted. I requested all XXXX NSF fees reversed and the bank refused and only credited/refunded XXXX of them. Futhermore they charged these NSF fees after XXXX deposits were pending on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
on XX/XX/2022, I sent Transunion, XXXX and XXXX stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.

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 2016-01-20
Company: DriveTime
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have asked my car lender to work with me so I would not fall behind on my payments or lose my car during this time while I am on unemployment but they are refusing to provide any type of assistance regardless of my consistent payment history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRUIST FINANCIAL CORPORATION
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:
Please reopen my COMPLAINT as had til XXXX to RESPONED and HAVE NOT HEARD ANYTHING from TRUIST BANK in Regard to resolving this!!!! the COMPLAINT number is XXXX XXXX XXXX and also XXXX XXXXXXXX I NEED HELP!!!

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