BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
William and Fudge debt collection keeps calling me many many times a day at weird hours and is also reaching out to my work, friends, relatives, and being very inappropriate. I asked them to stop reaching out yet they continue to do so and are being very inappropriate over the phone, even verbally escalating at times and I feel harassed and violated. This is the most unprofessional company I've unfortunately had to do business with. Due to financial difficulties with paying school loans trying to continue my education while working full time. I'm trying to settle the debt but need time and do not want to be harassed. In addition they are unwilling to negotiate debt at all. I want the harassment to stop, I'm treated like a criminal over a small amount of school debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I refinanced my home through XXXX and XXXX XXXX XXXX I was sent checks from XXXX to pay off credit accounts. Two of the checks were for Chase bank credit accounts. Chase paid off one account and deposited the other check in my checking account. Then, they closed the checking account and suspended my funds for the second check. XXXX, XXXX and myself have all made unsuccessful attempts to retrieve my money, to no avail. Chase says that XXXXXXXX XXXX XXXX must be registered in their system to field any calls. We all tried several different numbers, but Chase claims XXXX isn't a legitimate business. Yet, they cashed and paid off my first credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother died in XXXX Bank of America was notified that the property was in probate and the final payment was requested by the probate lawyer. I was named as administrator of the estate and when no response was received I contacted the bank and was told I had to submit a death certificate and the coast approve document indicating was administrator and once received I 'd get access to the pay off information. The bank froze my Mother 's checking account without noticing me so that the auto payments for the mortgage and the house insurance was not being paid. After not hearing from the bank I spent days of being ran around before finally getting the pay off amount on XX/XX/XXXX. I sent a certified check the next day. XX/XX/XXXX I called to verify the check had been received and was told the check was on hold for a insurance payment. On XX/XX/XXXX the bank had issued an insurance on the property for the period time that they had froze the auto payment. They were also processing foreclosure on a probate property for non payment due to their having frozen the auto payment. They sent mere an email staying them works not process the pay off until I paid the additional amount for the insurance. This is what I consider as extortion and fraud since the insurance was issued in the name of my deceased parents for a period that proceeded the pay off date and was a result of their actions.

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 2016-07-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for Wells Fargo and XXXX XXXX. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history.

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 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My name is XXXX XXXX. Bank of America is closing my both business and personal accounts, when I should have direct deposit coming to my account this week, next week and in whole XXXX and XXXX. My Bank of America accounts are indicated for all ACH transfers. I cant change anything. 
Moreover, I am having XXXX wired to business account soon from my partner, another XXXX later in XXXX. Everything is set up, account, routing numbers and XXXX codes are sent. I cant change anything, besides I will look unprofessional. It is not a correct business ethic when business sends funds to its partner and money comes back, since partner 's account is closed. This is very bad for my business, I will probably loose my partners, loose my business, business gets damaged, loose XXXX USD that I could earn, then pay taxes to government which then will be used for social-related purposes, curing sicked people, financially supporting people in need etc. All these are for good intentions. And all these are connected which each other. 

Please and please dont close my account, which will obviously lead to the fact that business gets damaged, less taxes I will pay or even will not be able to pay, less people in need are supported by government and there is even high possibility that people in need may increase by one - me. 
SSN : XXXX Thank You for understanding.

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 2017-04-28
Company: DISCOVER BANK
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated with a   XXXX   XXXX   XXXX  in  XXXX   XXXX . Once my  Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is  XXXX  and on a limited, fixed income. She has been harassed and threatened by calls from  Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In  XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I  was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early  XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up.  Discover  received {$3400.00} in  XXXX   XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Bank of America ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Bank of America said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Apparently since XXXX, 2012, Wells Fargo was charging {$10.00} for a service I neither used nor authorized. I spoke to Wells Fargo who confirmed this service was never used. They offered to reimburse {$30.00} to resolve this. I did not accept. Other than say to me that I " enrolled in 2012 '', there is no other corroborating information to this effect. I was told the " Direct Pay Monthly Base '' service for which I was charged {$10.00} per month since 2012 was to pay employees. I do not employ employees. The account was set up to receive payments from entities for which I provided services to. They paid me. Not the other way around ...

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 2015-03-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX XXXX I called wellsfargo to speak to XXXX XXXX XXXX at XXXX ext XXXX .I left XXXX voice mail to return my call.he did not return my calls for a remodify my ex-wife made in XXXX on loan # XXXX client XXXX .it is a different amount from original amount from XXXX remodify in XXXX. I feel that there is foul play in this matter and I want answers.in the divorce decree in XXXX my ex-wife XXXX XXXX XXXX was to assume the loan and I signed over a quick claim deed where she XXXX XXXX XXXX ( ex-wife ) is responsible for the mortgage, taxes and insurance she also filed for XXXX XXXX in XXXX .why is the mortgage still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
USBANK received a check on XX/XX/2022. The amount was for XXXX. USBANK incorrectly processed as XXXX. 
On XX/XX/2022 I found the error in my checking account at XXXX XXXX XXXX  XXXX. They immediately contacted the Federal reserve reference number XXXX which proves the XXXX was put in the USBANK account. 

Today XX/XX/2022 USBANK has failed to reduce our mortgage by the XXXX. They are " investigating '' still. I have reached to escalation and they have failed to do anything. 
I reached out to the USBANK fraud department however they only investigate credit card or bank account fraud. NOT fraud they commit in the Mortgage department. 

The federal reserve, USBANK and XXXX XXXX XXXX XXXXXXXX have been unable to resolve the matter. USBANK is the entity that refuses to correct their error. 

Please provide next steps on resolving this issue. 

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 2015-12-03
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
. I am a single mother of XXXX including my XXXX daughter ( XXXX. ) I have a XXXX and XXXX year old daughter, and my mother who XXXX also live with me. I have a loan with XXXX. I had some financial trouble, and the loan was modified in 2015. At the time of the modification we ( XXXX and myself ) were attempting to have the loan balance that was in default helped by Keep Your Home California. It was going well, XXXX agreed to be a part of the program. In XXXX of 2015 I was informed that the new service provider Amerinational was not interested in the program. That meant that although XXXX had already modified my loan with thought that the overdue part would be assisted by keep your home California, that delinquent portion was carried with me to the new servicer. I have since that time always been 90 days behind because I cant make up the money. I am now facing foreclosure for a total of {$3600.00} although I fully qualify for Keep Your Home California, I am going to lose my home because a servicer that I have no control of wont participate. How is this fair?? 
I can afford my mortgage, I just cant afford the extra overdue amount. How do I get around this? I 'm being disqualified from a program that I qualify for because, a company that has no interest in my well being does n't want to participate. I understand that they cant be forced, but why not have another option? How do I take a XXXX person to a homeless shelter? How do I protect her, my teen daughters, my mom, and myself in a homeless shelter? How do I leave my XXXX daughter to look for a job during the day at a homeless shelter ... that if they have room for a family of XXXX. What if they do n't? Who sleeps on the street? How do I make my kids know that this is there new reality? Why is this okay? I have lived in my home for 10 years. My XXXX does n't remember any other place ... How is this okay?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-11-01
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I told the credit reporting agency XXXX XXXX that Santander Chrysler was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to XXXX XXXX XXXXXXXX or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: POPULAR BANK
State: OK
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Making/receiving payments, sending money

Complaint:
We bought a certificate of deposit in the amount of {$250000.00} from www.eloan.com and instructed them to send the interest each month to our local bank. The first payment for the period ending XXXX/XXXX/2015 was added to our account with them.They now say that they can not send that interest payment to our local bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2016-06-14
Company: Selene Finance LP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Selene Financial has submitted a false credit report regarding my account, and still refuses to send me any statement of my account. 
On XXXX XXXX, XXXX, XXXX sold my mortgage to Selene Finance. In the subsequent XXXX months, I have paid the mortgage by phone on the XXXX of each month. On XXXX XXXX, XXXX, Selene refused to take my payment until I signed their mortgage agreement. When the sale of my house became delayed for 60 days, I signed the loan papers and immediately paid the new mortgage amount. 
Each time I have called in my payment, I have asked for a statement of my account. I still have not received any statement of any type. Fortunately, I have been sent receipts for my payments. 
Last month, Selene submitted an entry to my credit report that I have made XXXX late payments on the account. This report is not only false, but the number of XXXX late payments seems somewhat arbitrary. This will be my second complaint with Selene since they took over my loan XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Selene Finance LP
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to apply for a modification for the last three years. The required documents that the lender needs was requested by the lender every month for 12 months and then in the 13th month I would be denied for incomplete documents. The lender stated that in several of the 12 months that the documents were complete. I and my Hud counselor are having this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On or about XX/XX/2016 I applied for refinancing on two of my properties at Wells Fargo bank, after the initial interview from the loan XXXX he requested and authorized Appriasels on both properties at a combined cost of appr {$1500.00} for both, after the valuation came in my loans where denied based on income, debt ratio, I requested a a refund on the money spent for the appraisals after Wells Fargo sent me a letter that they wanted to redeem themselves by refunding money customers spent on unnecessary services, I contacted Wells Fargo representatives starting in XX/XX/2016, after several calls to and from myself to them, and them to me, it appears no progress has been done.i need some direction as to how to proceed with this, your time and consideration in this matter is greatly appreciated.

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 2015-08-25
Company: Integrated Recovery Services
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from this company that left me a voicemail on XXXX/XXXX/2015 stating that they needed to verify my address to be served official court documents. I called the company back at XXXX, spoke with XXXX asked him to send me documentation thru the mail and cease contact until I have had a chance to dispute the account he told me that it does not work that way and that I will continue receiving calls thru the automated dialer until my account was paid. I requested his company info and he would not release that information to me and continued to harass me stating that I need to pay the bill and that they did n't have to send verification and he hung up on me once the conversation got heated. 
XXXX/XXXX/2015 @ XXXX received another voicemail from the auto dialer called the office again spoke with XXXX XXXX requesting my number be removed from the account he transferred me XXXX time and both time I was hung up on, called back a XXXX XXXX time spoke with XXXX XXXX he explained that they sent documentation the XX/XX/XXXX I told him I have not received anything and he needed to send it out again for me to dispute he then stated that I was just using a delay tactic and need to pay the bill I again asked that he no longer contact me and that I was filing a complaint he hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: Talbot, Adams, & Moore, Inc.
State: TX
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:
I noticed several duplicated collection accounts on my credit from Tablot, Adams and Moore, a collection agency that is not bonded to collect in my state. I sent for validation several times and they never answered me. They are in violation of SEC 809B OF THE FDCPA. THEY NEVER SENT ME MAIL STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation