BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made an advance payment of my mortgage loan in XX/XX/XXXX of XXXX {$45000.00}. 

Wells Fargo Home Mortgage never contacted me about the payment and arbitrarily applied it to future payments for the next year without reducing my principal. As agreed with the lender, I continued to regularly make my monthly payments without missing any payments. I discovered 2 weeks ago on XX/XX/XXXX to my great surprise that the principal payment still had not been applied 1 year and 5 months later! Furthermore, my request for them to immediately apply the advanced {$45000.00} payment to reduce my loan payment was DENIED on XX/XX/XXXX. They informed me of that when I called again on XX/XX/XXXX. Not only did they refuse to refund me for 1 year and 4 months of interest for the period they held my {$45000.00}, but furthermore they informed me they insist on STILL KEEPING my advanced principal payment of {$45000.00} until XXXX of XXXX still without reducing my principal and insisting I pay interest on the {$45000.00} as if I never made the payment. That is 2 years and 4 months they are insisting to keep my {$45000.00}, without reducing principal, and still charging me interest on the {$45000.00} for the 2 years and 4 months. 

My loan does not have a pre-payment penalty and advance payments are supposed to be made to principal. Without my permission they changed my account to send advance payments to future loan payments without applying to principal I was informed by XXXX the call center agent on XX/XX/XXXX. The call center agent informed me that the bank had changed my account posting logic to set up my account to pay payments in advance instead of to principal automatically. This was never approved by me, and I was never notified of this change. 

I need help to have my {$45000.00} immediately applied to reduce my principal balance which they are refusing to do versus Wells Fargo just keeping it and continuing to force me to pay interest on it. I can not effort to keep paying interest on money I paid to them for 2.4 years.

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 2017-12-07
Company: MoneyLion Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Paid Loan In Full on XX/XX/17 with MoneyLion. Contacted company, via e-mail, to cancel my " membership '' fee to MoneyLion Plus, but was told that I needed to reach out to a " specialist '' to cancel. I used the exact same e-mail address that was sent to me to acknowlege that the prior " membership '' had been processed.

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 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I did not sign up for overdraft protection but I was charged an overdraft fee and my account went negative. This seems like deceptive practices at best. It was an automatic car insurance payment if that makes a difference. It feels not fair and the person on customer service was not willing to help me even after I explained I did not sign up for overdraft protection. I feel cheated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Hasson Law, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified about a debt through a lawsuit. There is no information provided about the debt owed. After a review of medical bills and health insurance records, I find no debt owed to the XXXX. Now, this debt collector is threatening me with legals fees and seeking a settlement. The alleged debt owed is {$570.00} and a lawsuit is a very heavy-handed approach. I'm not an attorney and it's costly to hire one for the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Predatory lending practices. 

Impossible to get live person to talk to. 

Incorrect records on their part based on their poor lending communication. 

Age discrimination 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 2017-12-07
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX called my cell phone at XXXX this morning. They asked to speak with XXXX XXXX. I said this was she. She then asked to verify my mailing address. When I said I did not want to verify my personal information until I knew what the call was in regards to she said we are not a telemarketer and we are not trying to sell you anything. This is about personal information we will call back later and hung up. The call lasted 1 minute and 21seconds. 

I felt very uneasy since she would not tell me the purpose of the call and also did not leave me a toll free number to call back. I do not like the fact that someone has personal information about me and wo n't tell me what they need. 

I called them back at XXXX and asked to speak with a manager. I was transferred to a XXXX XXXX. I asked if she was a manger and she said she was. I asked her if she would please tell me what this call was in regards to as the last person hung up on me when I asked. She said it was a personal matter and she would n't tell me anymore. I asked her if it was her company 's policy to hang up on people when they asked for that information and to not give a toll free number out at the end of the call. She said they would not go round and round with me about this and that they would move on to the next call. I asked to not receive anymore calls and for the phone number to their headquarters. She gave me the corporate number and the CEO 's name. I told her it did n't matter what she called herself she was a telemarketer since she called me from an automated dialer. I told her that I knew there were laws about calling cell phones and about not stating the purpose for the call and she said my threats meant nothing to her and then she ended the call. The call lasted 4 minutes and 59 seconds.

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 2018-06-05
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
i have a rush card that i am unable to access. I have a few bills that are due today XXXX/XXXX/15 and i usually get my payment 2 day early. They are updating their systems and the customers are not able to get a hold of anyone. i am a single mom with XXXX kids and i have to take care of my household but unable to due to not able to access my rush card. THIS IS SO NOT FAIR, i have not had this problem in the past and have been using my card for about 6 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account after receiving a promotional flyer in the mail. I would receive a {$400.00} bonus for :  1. making 10 debi t card purchases by  XXXX   XXXX    XXXX   2. enrolling in online statements by    XXXX   XXXX   XXXX  . 3.  registering for the promotion using the referral code. I opened the account on  XXXX / XXXX /  XXXX   following the directions. I enrolled in online statements and made the debit card purchases as required. I did not receive the bonus. When I inquired with Regions, I was told many different reasons ( I qualified, but have to wait 6 months from account opening ; I did n't register the account correctly ). I finally emailed and received an elevated inquiry with customer solutions. It was said that I was n't enrolled in online statements. The system showed that I enrolled in online statements on  XXXX / XXXX /  XXXX   but then unenrolled the same day. I did receive a paper statement in  XXXX . I sent a secure message via my online account to inquire about this on  XXXX / XXXX /  XXXX  . I did not receive any detailed information ; only the directions to enroll in online statements. I re-enrolled, even though I never unenrolled. For this reason, I feel like the company is witholding the bonus due to a computer error, not my own. I followed up with customer solutions, who informed me that the branch manager where my account was opened  (   XXXX   XXXX   XXXX   XXXX , GA  XXXX  ) could override the decision. I first spoke, then emailed  XXXX   XXXX , a branch banker who said he 'd help me. He did n't respond for a week after I provided him the information and I emailed him again. His response stated that he could not help. I called customer solutions again and had the representative (  XXXX  ) contact the branch manager on my behalf. The branch manager,  XXXX   XXXX , would not override the decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account named XXXX XXXX XXXX  was a part of a bankruptcy XX/XX/2018. Over three years ago. And still has continued to report inaccurate negative information on my credit report. the company XXXX XXXX has accurate records of the bankruptcy as it shows as a flag to the credit report shortly after the filing of the bankruptcy. Yet continues to ignore bankruptcy laws and violate my consumer right to fair reporting. Experian has allowed this account/business to report negative information for over three years and continuing to this day. I have disputed this first premier back report multiple times over even going as far as providing proof it a part of bankruptcy years prior. I demand Experian remove this account and all of its inaccurate reports from my credit report ASAP Experian has even went as far as changing the original name of this account ( as I previously reported ) Experian has been unfairly reporting a lot of inaccuracies on my credit file for over three years and refuse to make this right causing my credit score to suffer. Experian will pay damages for what has been done if things cant be worked out fair and my scores and report wont be compensated by reaching out demanding it be made right and ASAP I have suffered long enough, over three years and placed in a certain category, denied and charged higher fees and rates. Experian deserves to be sued in the court of law!

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 2022-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been contacting Equifax, XXXX, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but Equifax in particular are not cooperating and is insisting that they have not received any of my complaints or documentation.

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 XXXX XXXX XXXX  and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I took a cash out loan to pay off my Home depot Consumer Credit card & the title company overnighted them a check for {$5600.00} on XXXX, it was received in their office on XXXX & deposited on XXXX. They have yet to post the money to my account. I have called numerous times & been given the run around. I spoke to a manager named XXXX XXXX on XXXX at XXXX and was promised this was resolved. 2 days later my money is still not posted to my account & XXXX XXXX is refusing to return my calls. I faxed their payoff department on XXXX with the cancelled check & letter they asked for. They have had my money since almost 2 weeks & done NOTHING to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX I received an email alert of FICO decreased from Experian Credit Company. I opened up my email this is what was found : XXXX XXXX Poor Fair Good XXXX - XXXX Very Good Exceptional XXXX XXXX pts Learn more Experian data XX/XX/XXXX I reached out to Experian about why my score has dropped on XX/XX/XXXX and still no reply back. The reason for the decrease was because of low credit usage. I don't have to use my credit cards! I worked hard on my credit! This company keeps playing with my credit scores and I'm very upset! XXXX  and XXXX XXXX are great! This company needs to be investigated immediately!

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 2016-03-03
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I call Home Depot credit services and requested a block be placed on my account so charges could not be made. I also had a password placed on the account at their suggestion. Over {$1600.00} in charges were made on the account after the block was put on. I was told that unless I was willing to prosecute fraud charges that I would be responsible to pay. I called for investigation and explained what happened but I was not willing to file charges. I did pay off the balance in order to protect my credit and avoid further stress to myself. I am XXXX XXXX XXXX and feel like they did not live up to their commitment to me. Account -- XXXX XXXX XXXX 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 2021-06-20
Company: ALLY FINANCIAL INC.
State: PA
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:
One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the 800s but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my 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 explanation
Consumer complaint received 2021-06-20
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX, Experian and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citicards is giving me the runaround in crediting me for a transaction that it has already identified to be fraudulent. On XX/XX/2016 Citicards called me to report a suspicious transaction on my account resulting in termination of the card and issuance of a new card. Since then I have called Citicards to have removed a transaction from XXXX that I never mad. I have spoke to over XXXX representatives each time they misrepresent that it is not a problem and not to worry and that the transaction will be taken off in 3 to 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a second mortgage through Specialized loan service ( SLS ). The loan matured on XX/XX/XXXX. I didn't realize at the time and the regular automatic payment was made on XX/XX/XXXX, initiated by SLS. Towards the end of XXXX I was contacted by a SLS representative and she explained that the loan had matured on XX/XX/XXXX and they would need the loan balance paid off and that they should not have taken the automatic payment. I asked if I could refinance the loan with SLS and they said I could and they would send a packet in the mail with more information. At this time I was told that I had 60 days to complete the loan process. I said okay and awaited the loan packet. The packet arrived a couple weeks later and it indicated I could also apply online, which I did. A week or so later I was denied a refinance. I then receive a 30day late charge on my credit report. At that time I decided to take a draw from my business to pay the loan off. I had to move the funds around in my business accounts in order to fund the payment. That next Sunday I received a 60 day late mark on my credit report. I filed a better business report and proceeded to pay the entire balance through the SLS website as an ACH on Monday XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. On XX/XX/XXXX my wife received a notice via text that the payment has been returned because it was not sent as a certified check and their website may not have stated the correct payoff amount. After doing some research, it appears that they should have reimbursed the automatic payment made on XX/XX/XXXX because as is their policy, it was not for the correct payoff amount and it was not a certified check. The XXXX payment has still not been reimbursed as of XX/XX/XXXX. All through this process I have been contacted numerous times by SLS representatives asking for the original installment payments to bring the account current. They have also all given conflicting information. I asked for a call back from a manager which I received XX/XX/XXXX. She informed me that she can't provide the correct payoff amount until Monday XX/XX/XXXX but during this time I will continue to receive late notices on my credit report. As of today XXXX XX/XX/XXXX, I have not received the payoff amount from SLS. I assume the payoff amount is going to be much larger than what it should be with their late fees and extra interest added. Please help me clear this up. 

Thank you, XXXX XXXX XXXX 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