BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-19
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I mailed a certified USD XXXX check to BBVS Compass ( where Simple ) holds their accounts. It was delivered by XXXX and signed for. In the meantime they lost the check and have not deposited the amount, and does not respond to inquiries about the status of the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I paid the full remaining amount of my business 's XX/XX/XXXX credit card statement balance. The due date for this statement was XX/XX/XXXX. This payment was made via ACH, and that business checking account has been set up on the Wells Fargo website and used for these payments for well over a year. ( We have also never had a payment get returned for NSF. ) The payment cleared our business checking account on XX/XX/XXXX. As of XX/XX/XXXX, our available credit balance has not been updated to reflect the XX/XX/XXXX payment. From communications with my Wells Fargo business relationship banker, no one internally at Wells Fargo could explain why a hold was put in place on our credit - and no communication has been received on my end. This situation is extremely frustrating and damaging, especially regarding the lack of transparency and follow through on promised follow ups. I don't understand what we have done to deserve this action and behavior.

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 2016-01-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to get a deed in lieu of foreclosure from Wells Fargo for more than a year. They told us we had to vacate the home by XXXX XXXX, which we did. Then the excuses for why they could not complete the deed in lieu started. The title had not been cleared because Wells Fargo had not had the prior lien with XXXX XXXX XXXX released when they financed this loan. Wells Fargo told us we had to get XXXX to do release the lien and XXXX told us Wells Fargo had to do it. Since they are the servicing agent and originator on this loan and it was sold To XXXX XXXX, this seems to be a problem they would want to fix asap. ( Breach of fiduciary duty at the least, mortgage fraud at the worst, neither a good position to be in for Wells ) They inspected the property, and changed the locks. Then they twice halted the deed in lieu process because they said they could not get access to do more inspections. We reminded them that they changed the locks and had the keys so they sent us a set of keys that did not work. I have repeatedly asked Wells to provide the name of the title company so that we can have them address the title issue, but to no avail My friend who owns the home is a XXXX survivor and has doctors orders to avoid stress. Thus, I have taken over the daunting task of talking to these well meaning but inept people. We need to get rid of this house and Wells Fargo is obstructing the process.

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 2015-10-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I got pre-approved for a conventional 30 year mortgage with Wells Fargo Bank in XXXX 2015. In XXXX 2015 my offer on a condo was accepted by the seller and I began the mortgage application process with Wells Fargo. The bank agreed that they could complete the loan process on the expedited schedule that the seller requested for the sale of the property. There were many delays during the first few weeks of the loan process, but XXXX XXXX XXXX, the mortgage banker, continued to assure me that she could get the loan done in time. Approximately 3 days before I was supposed to close on the property, XXXX XXXX called me and said that they could n't do the loan unless I paid another {$150.00} to file an exception, which she said would allow them to complete the loan and allow me to close by the end of the week. I felt that I had no choice but to pay another ( non-refundable ) fee, or I would lose out on the home I was planning to move into within a week. I had already paid {$490.00} for an appraisal and credit report that the bank ran for the loan application. Two days later I called XXXX XXXX to find out what time my closing would be the following day and was told that I could n't close, as my loan had n't been approved. I was informed that they would need at least 60 days to process my mortgage, and could never have done it in the shorter timeframe that they initially agreed to. She began to push me towards an XXXX loan as an alternative to a conventional loan, suggesting that they could get that completed sooner. An XXXX loan was not in my best interest and I told her several times that I wanted the conventional loan they had originally pre-approved me for. After an extension of several weeks, and with me calling the bank everyday to find out what was going on, I was told that they could n't do the conventional loan and that if I did n't want to switch to an XXXX loan, that it would be best for me to move onto another mortgage bank. I would be provided with any paperwork they had, but none of my money would be refunded. After struggling with the decision to walk away and lose out on a lot of money that I paid in good faith based on XXXX XXXX 's assurances that they could give me the conventional loan they had pre-approved me for, I switched to a different lender, who was able to process my conventional mortgage loan within 3 weeks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I XXXX contacting you concerning an account Chase have sold to this collection agency named XXXX in XXXX CA Account # is XXXX and case # XXXX Chase had sold this account in XX/XX/XXXX before their settlement with the attorney general , US Consumer Financial Protection Bureau and the office of Comptroller of the Currency on XX/XX/XXXX. 
It appears that Chase was selling customers ' debt to collection agency as much as possible before the settlement. 
In XXXX/XXXX, when the real estate market crashed, my husband and I both lost our jobs. 
We used all our reserves to make our mortgage payments to Chase. Eventually we had to use my Washington mutual/chase credit card to keep up with the ADJUSTABLE RATE MORTGAGE. 
We tried many other jobs to keep up with our payments but were not able to make enough to cover our credit cards and mortgage payments. Sadly, we were default on our mortgage and credit cards payments. 
After many years of struggling with getting a loan modification, CHASE FINALLY GAVE US A MODIFICATION. NOW, we do n't have any problems making our mortgage payments and are never late since the modification. 
Unfortunately we are not able to make any credit cards payments. Chase have sold this credit card debt to XXXX before the settlement ( as mention above ) who had previously levy our bank account in XX/XX/XXXX and taken money that were used for our living expenses such as groceries, and utilities bills. 
Now, again this Collection agency is levying our account. The problem is, due my serious XXXX I am not able to work. My husband income is the only income we have and its only enough to cover our mortgage payments and living expenses. I am only added to MY HUSBAND account to manage the household bills. i can not afford to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a home in XX/XX/XXXX and recently requested some assistance so I could keep the property and not allow it to go to foreclosure. 
The original value was $ XXXX and the current value is $ XXXX. 
I have made all of my payments on time and requested asmall reduction in my interest rate to continue to rent theproperty and not take a beating on the delta between therent and the mortgage and association fees. Themodification was denied because the loan was refied in XX/XX/XXXXand they stated my situation was not a permanent impair-ment so they refused to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Billing statement

Complaint:
I applied for and received a credit card from american express. I have just received my first bill and no where on it is found my account number with the company. This is the first time I have ever experienced this ; in my opinion it should be illegal. No other credit card company I know of does this. I thought I had misplaced the card as I attempted to setup a bank payment for the bill for which the account number is of course required ; it took me some period of time, but I finally found it. I should not have been put to this trouble ; this is security taken a step too far - I should like to see this stopped before it becomes a fashion among the credit card issuers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am a victim of Identity Theft. I filed a police report and submitted an identity theft affidavit and the other required documents. Transunion was slow in getting back to me and when they did they left XXXX bankruptcies on my credit report. I contacted the bankruptcy office and they sent me a letter stating that they do not report to credit bureaus and asked me to send the letters to all three bureaus. The other bureaus removed the information. However, Transunion reps were very rude and uncooperative. They lied at first and said that they had not received the letters from the bankruptcy office. Then they put me on hold for a very long time. They are very rude and unprofessional. Please help as they are clearly violating FCRA laws.

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 2017-03-07
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint concerns Indy Mac Bank. There are several issues to discuss concerning Indy Mac. First, I was told that I had to miss payments in order to be qualified to modify my loan. Secondly we were in the process of applying for a modification under the HAMP plan with Indy Mac, and they dual tracked us. We would receive foreclosure notices while in the midst of HAMP application, review and approval, up until the last moment. Thirdly, after I carefully submitted paperwork for review, Indy Mac would either call and say they never received it, or it had expired, and the entire application would have to begin again. Lastly, this whole process took nearly a year, the whole time being threatened with foreclosure. I wrote the State of Georgia Attorney General 's Office, called several National Hotlines for help and faxed Pres. Obama 's administration a complaint about the way I was being treated. Almost immediately after that, my loan modification was approved. At that time-XXXX, there was not legislation against dual tracking and requiring a homeowner to miss payments. I understand that is now in effect, and I am asking for relief from Indy Mac ( now XXXX Bank ). This process affected my health and XXXX immensely. I had XXXX very young children at the time, and looking back at that one year process and the negligence with which they handled the application process was a very bad memory. I understand now that certain mortgage companies have been and are being held liable for their actions during this time. Thank you.

Company response to consumer: Closed
Consumer complaint received 2017-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/2017, I pulled my credit report from Experian. After examining the report I noticed several accounts that were past the 7 year date and was still on my report. ( XXXX # XXXX ) and ( XXXX # XXXX ). I wrote a letter to Experian and requested that these accounts be removed. On XX/XX/2017 I sent this certified letter ( see attached ), requesting that this information be deleted immediately. Today is XX/XX/2017 and I have yet to hear from Experian. Please assist in having these invalid accounts removed from my credit report.

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 2017-03-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report i formation they can not validate. XXXX and XXXX have already removed the XXXX erroneous accounts from their credit reporting. Experian will not provide me with any documentaion or proof to substantiate these debts. They have now stopped taking my disputes and continue to report this negative information. I am seeking out every way possible to rectify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was provided a private loan through my school. I have been making full payments consistently since my deferment/forbearance period ended ( some time around 2013 ). Eight months ago, I began making higher than the full payment in order to pay down principal faster. I called at the time I began making payments to confirm that the additional payment would be applied to principal. Because the statements I receive by mail do not describe how my payments are applied ( it just states that a payment was received and how much that payment was ), I have just realized that I have been merely paying future interest off rather than paying off my principal. This is predatory lending in my opinion. 

I have called the XXXX, but have not received a response to date. I can only imagine how many of my colleagues are still being preyed on by this loan repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company has not paid my Real Estate Taxes out of my escrow after stating it would be paid. My tax bill is now past due and I can not get any response or help from them. THe bank is Citizens One

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I have had a Dillard 's credit card since XXXX of XXXX without XXXX missed payment or late payment. I pay my bill online every month. Dillard 's card services were taken over from XXXX Bank around XXXX XXXX by Wells Fargo. XXXX XXXX XXXX Online Bill Pay did not recognize the new Wells Fargo/ Dillard 's account. In XXXX I started making payments directly through the Dillard 's website to ensure that the payments would get to Wells Fargo correctly because of this transition so I began to pay my bill directly through the Dillard 's website. The afternoon of Friday XXXX XXXX I received a call stating that they could tell I was trying to make a payment but could see it was n't going through. I immediately paid over the phone as to not cause a problem and keep my account in good standing. The very next morning at XXXX I receive a call that my only brother at the age of XXXX died unexpectedly in his sleep.This was a very difficult time for me. Mid XXXX I returned to the Dillard 's website to make my payment, checking the only visible numbers of my bank account number were accurate, which they were, I posted my payment and received a confirmation number. The same thing happened mid XXXX, and I received a confirmation number, again in XXXX, and again in XXXX. It shows a monthly history of payments and confirmations for each month with my last correct XXXX digits of my bank account. I never received notification or a message stating there was any problem with my account and payments. I will attach payment confirmations from XXXX XXXX and can go back further if need be and the confirmations from Dillard 's website from XXXX to XXXX XXXX. On XXXX XXXX XXXX when I went to pay my bill, as I did every single month, my balance was about {$150.00} over my credit limit. This immediately alarmed me because I always pay my bill, I received confirmation numbers so I called to see what was going on. A not so polite woman informed me they have not been getting my payments and the confirmation numbers were worthless. Now Wells Fargo, a banking and credit card giant has closed the account I have had with no problem ever and has not notified me once to inform me the confirmation numbers I was receiving did not matter. This has made a detrimental hit to my credit unfairly because Dillard 's, the company that I loved to shop with, worked through college with, had every intention of paying my debts to, received confirmation that I was paying, switched their credit card company and had a problem with their transition to Wells Fargo.I have never had a problem until now. I also hold another account with Wells Fargo for the last XXXX years that never has had any problemwith payments. In fact, for the last XXXX years I have not had a single late payment to any of my debtors. I want to pay my bills. I hope you can help me remove this terrible stain from my credit report. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I was given a rate to term out my home equity loan and I had XXXX days to lock it in. I called back on the XXXX day and was told I could not get that rate since I had made a draw online earlier that same day. The draw was from my Home Equity Line to my Wells Fargoi checking. I was told the last time I spoke to them that I could make draws up until XXXX 2015 which was the end of my draw period. Never was I told the rate would change if I made a draw. After they told me they would not honor the rate they guranteed for XXXX days, I told them I would go online and repay the draw back as it was still sitting there in my Wells Fargo checking account. They said I had given up the rate because of the draw. This all happened around XXXX on a business day so the fact that they would not let me go back to where I was a few hours earlier is evidence they were trying to switch the rate which had increased over a half of a percent. They said if I wanted to lock in it was going to be at a new higher rate even though I was still in my XXXX days they had quoted before. The last year Wells Fargo has called and written me several times about my home equtiy line maturing until the point it was border line harrasment. It even came up on the ATM screen when I used the ATM. When I agree to term out early they switch the rate. I told them several times I would reverse the draw while we were still talking on the phone but they said I forfeited the the other rate even if I pay it down to the same balance it was earlier the same day. This is unfair, misleading and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our escrow account is short almost XXXX dollars. Our taxes have not changed and our mortgage payment went up only XXXX dollars per year. So where is the money that is supposed to be put into our escrow account? I have never had this problem with other lending banks. My mortgage is with Wells Fargo and I know they are found to be doing illegal things in the banking division. This may be one of them.

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 2016-07-30
Company: Fleet Financial Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I sent a query to XXXX XXXX, an online auto loan company. A company, Fleet Financial, responded and I asked for a quote. I subsequently decided to go with another lender. However, Fleet Financial sent me a notice afterwards that they rejected my loan and sent a notice to the XXXX credit-reporting agency. My credit is not bad, in fact is in the top XXXX %, and I have no delinquencies etc. as Fleet Financial claims. I secured a loan without problem from a credit union. I believe Fleet Financial 's action is an act of retribution to offset my rejection of their loan. I will communicate with the credit union, but I think this kind of activity is at the least unprofessional and at the worst harmful and damaging of character and reputation.

Company response to consumer: Closed with explanation