BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-02
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, XXXX Last year around XXXX worked with Quicken Loan to Refinance the property at XXXX XXXX XXXX XXXX XXXX They order an appraisal which was done on XXXX XXXX, XXXX. The appraisal done had many problems such as wrong sq ft by less than XXXX, room XXXX XXXX XXXX, we have solar and no mention at all as energy efficient item. 

The Indicated Value by Sales Comparison approach was {$320000.00}. 

The report has a home listed that was sold on XXXX and XXXX homes closer to our sq ft & lt ; XXXX XXXX XXXX XXXX CA. Sold for {$430000.00} on XXXX - XXXX, XXXX sq ft and XXXX XXXX XXXX XXXX XXXX sold for {$75000.00} at the end of XXXX - XXXX sq ft & gt ; were not used as comparison. The rule is not to use homes so old that values are not comparable and locate XXXX for value approach that are closer to sq ft that the XXXX being appraised which he did not do! 

The Porch/Patio/Deck says large deck. The appraiser stated our decks sq ft was XXXX. The XXXX decks, around our house, measure XXXX sq ft. So value approach not added correctly! 

Solar owned by us is given no value which is a XXXX, XXXX panels at a cost of $ XXXX! 

The house building sketch was not correctly drawn, very poor and incomplete! 


The indicated value by cost approach arrived by the appraiser was {$420000.00}! 

The opinion of site value of {$20000.00} is of raw lans where our property has the infrastructure, water, sewer, electric phone, cable, foundation, walkways etc.! A {$60000.00} is the number both a builder and the California XXXX appraiser feel is better for a property with infrastructure! Again the report stated the Sq ft was XXXX which is wrong and is XXXX! 

Depreciation used of {$120000.00} assume no improvements to house since built! The interior of the house floor XXXX has been totally remodeled, and floor XXXX has new rugs and bathrooms improvements which the report does not mention. 

The report mention a large decks but we have XXXX decks which totals XXXX sq ft. and the drawing lacks too many sq fts.! 

The appraisal has no costs associated with the Solar, which is owned by us at a cost of {$2100.00}! 

The value arrived makes the house cost approach impossible to rebuild! Our Insurance agent provides a value at the low end of {$170.00} and up! 

All this information was provided to the Quicken Loan folks and there reply was that the Appraisal was done correctly per the Appraiser! 

Quicken Loans provided no support and/or investigation to determine the correct information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am not sure that the choices above fully cover the issue. There has been an ongoing dispute with XXXX since XXXX XXXX in which they have monthly inflated fees and charges for who knows what. I have filed previous complaints with this agency and others agencies regarding billing for services that I disputed and service that I did not receive. I tried and finally got them out of my life by signing with a company of my choosing, however to date I have gotten inflated bills and for the last several months I have gotten this same bill for {$270.00}. XXXX has billed me for months for an outrageous amount they claim I owe and I in turn insist I owe them nothing and submitted proof of that fact to several agencies including yours. XXXX threaten debt collection and to affect my credit. I submitted a cease and desist letter and I told them I was n't paying them nothing. As an end result a debt collector sent me a letter dated XXXX/XXXX/XXXX that I received XXXX/XXXX/XXXX regarding this matter. The company is McCarthy , Burgess & Wolff. It is claimed to be signed by a XXXX XXXX with XXXXbusiness but has this company 's email address. I have had no contact with XXXX since they left in XXXX and they are no longer in the cable business. In this letter, I am warned about three bullet points stated in the letter as a cautionary or threat before I respond. All three of the bullet points are from the prospective of XXXX and is false. I have not been given an opportunity to defend myself again nor has the debt been verified by this company. I am again asking for help. It is apparent that this debt collector is attempting to re-write the facts in an attempt to extort money from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: BB&T CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My credit report is being negatively affected by BB & T as a result of extremely poor account management and customer service following a disputed transaction. This experience has also been met with poor treatment ( in person ) by a BB & T Vice President who treated me in a rude and very unfair manner at first introduction. Without receiving any notification or account statements over a long period of time between the date of discrepancy through present I was finally contacted by a collections team at BBT about a past due amount slightly over {$30.00}. Upon that first contact the collections team was unable to provide any explanation as to what the amount in question was from or when the transaction had taken place. I believe the root cause of this to be a result of fraudulent activity to which I have a fraud dispute placed on an account with BB & T for activity that I believe may have some sort of relation to a PII breach and theft of my XXXX IRS XXXX from XXXX a former employer. The fraud dispute was placed on XXXX/XXXX/XXXX. The activity is specific to an account BBT notes as " Credit Line XXXX. '' This outstanding matter is now reflected on my credit report by XXXX harming my psychological and financial wellbeing. Only on XXXX/XXXX/XXXX did I receive three letters in the mail, dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX that were specific to any outstanding balance with BB & T. Even still, no information has been accessible online via portal and PDF nor in the mail as to this issue. The bank has been very difficult to work with and I strongly feel that I am, as the " little guy, '' being bullied. Interest in the amount of around {$0.00} to {$0.00} continues to be added to the outstanding amount each month alongside compounded degradation to my credit profile.

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 2015-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have tried to do a loan modification XXXX, dealing with its subsidiary Select Portfolio Servicing ( SPS ) and have been unable to get a clear answer to move forward. The communication with them is very difficult and always change the person in charge of the case, which cause delays on the process. Their initial approach is always harsh and negative, done by a call center that usually do not have information about the loan modification process. We sent all the required documentation and, after months of negotiation, they denied the loan modification and did not want to evaluate all the facts on the case to get a positive result. We feel the company SPS did not do everything on their hands to help us, having all the necessary documents showing that the proposed monthly payment could be paid by us. They based their decision in figures that are above market value and did not provide a concrete answer for the modification denial. We are sending a new loan modification package with extra documentation to see if they can do their job and approve the loan modification. 
We appreciate all the help you can provide on this matter as this is our primary home and we are desperate to save it. 
Best regards, XXXX XXXX & XXXX 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 2017-03-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicer of my loan is unable to process payments and update my account as expected. This is a result of the company providing me with an escrow analysis that gives me 2 options when the account is in shortage. I can either pay the amount of 12 months or pay the shortage in full. I chose to pay the shortage in full. I provided payment well before the due date and the amounts applied to the account were incorrectly applied at first. The company resolved the issue and sent out an updated statement. In the following period, I received a statement that was incorrect, I subsequently found out that the statement was incorrect due to the subsequent period which is now current having the applied funds being incorrectly applied. 

In effect, period 65 stated options A and B. I chose B. Payment applied incorrectly, then corrected and new statement received. Period 66, incorrectly received statement for A, but payment was applied correctly for B. Period 67, incorrectly received statement for A, payment applied for A which is wrong. Future period 68, shows statement for A incorrectly. 

Mortgage Billing Statements Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong for period XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, XXXX Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 67 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Right, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Wrong, 66 Billing Statement XXXX/XXXX/XXXX ( XXXX, PDF ) -- Prior updated payment, period XXXX I submitted the current payment from my account on XXXX/XXXX/XXXX that WFM received on XXXX for the XXXX due date. When reviewing my account status online, I expect it to show correctly. As of today, the amounts shown are incorrect and the dates applied are incorrect, " Last payment received on XXXX/XXXX/XXXX ". When I receive payment confirmation emails, I review my account. I received confirmation on XXXX that applied funds had been corrected but found that my payment had not been applied correctly. 

In summary, the servicer of my account is failing to provide accurate service. For a bank I find this alarming and would expect that the application of my payment be precise as well as the billing.

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 2015-07-15
Company: Northwestern Mediation Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am not familiar with this company. They have called other people in my family to try to communicate with me. They have also left voice mail messages with those family members informing them that I will be served papers and to let me know. I believe that it is illegal and harming to me and my family to leave voicemails for me on other people 's phones. If the matter is for me, no one else should know my business unless I share it with them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Re : loan modification application with Select Portfolio Services inc/loan # XXXX and XXXX XXXX/XXXX fl XXXX.After four monthes we have not received a final decision on our modification loan apllication.We have a court date scheduled for XX/XX/XXXX.SPS continues to contact us for the same clarification/documentation info ..over and over again, pushing back the underwriting process .We are running out of time and options.It seems that they have no time table or agenda to get this done.We are desperate to stay in our house.It should also be mentioned that they did approve us for a loan modification XX/XX/XXXX/but communication was lost from the transfer of our loan from XXXX to SPS and we were.. not aware that the loan had been approved. we never rec, d the contract /nor did our attorney.Since we missed the trial period we had to re-apply .The process has been request after request for the same information over and over again.You never talk to the same rep twice. 
if you can help expedite this process we be very appreciative .We want to stay in our house ; but ca n't get them to come to a decision/thanks XXXX 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 2016-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Select Portfolio Servicing on a loan modification for the past several months. When I was finally offered a modification, it was for a HAMP Tier 2 mod. However, all of the paperwork I was sent shows all of the loan modification that I did NOT qualify for and their terms and conditions. It did not show the terms and conditions of my current loan modification. I was told that I needed to make 3 trial payments and that I would then receive the terms and conditions. However, the trial payments I have been making is the same amount I was paying prior to the loan modification. I called and questioned if this were truly a modification, then why would I be paying the same amount as before? They could not answer my questions and put me on hold several times and just told me I had to wait for my paperwork to arrive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Toyota Financial. I was told that I would be able to put the payments that I would miss on the end of the loan, so my account would not go late and would remain current. I was assured by the representative this would not result in me being reported late. It would however, result in my loan being extended. I agreed with the assurance that my credit would not be late. Nevertheless, I was given the wrong information, and Toyota reported my account late. I have tried the last 8 months to no avail. I was duped into extended my loan and the item being reported late on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPS has insisted XXXX in their response to my last complaint and in correspondence that XXXX XXXX does not allow loan modifications. However, when SPS sends me forms to fill out, they use forms that are copies of the government forms used to evaluate individuals for loan modifications. Secondly, SPS states very clearly that they participate in XXXX and XXXX programs. This contradicts their prior statement directly and means that they have been wasting my time. XXXX and I qualify for Loan Modification based upon her XXXX and our subsequent loss of income. I have supplied paperwork to illustrate this fact. I will submit a complaint against XXXX XXXX separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am writing to file a complaint about BB & T Bank. I recently received a Retail Statement of Credit Denial letter dated XXXX XXXX, 2015, from BB & T Bank. However, at no point did I ever fill out a credit application with them, nor did I ever give them my consent, implicit or explicit, nor was I ever contacted by BB & T for my consent prior to BB & T running a full fledged credit inquiry about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: BB&T CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Sent tow truck onto private property to reposess car. 
Tow truck driver acted on behalf of Susquehanna by advising me of an incorrect amount I needed to pay to get my car back. 
Tow truck driver acted on behalf of Susquehanna by telling me he could not leave property without taking car. 
Susquehanna violated their own policy by repossessing car after only XXXX payments missed. 
Susquehanna collection department employee, XXXX XXXX, tried to discourage me from pursuing further action ( eg complaint, bankruptcy ) while offering no assistance in helping me rectify situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In 2007 I applied for what I thought was a home equity loan to do repairs on my home. I originally applied f or the loan through Wachovia Bank. Later Wells Fargo took over all the Wachovia accounts. Later, I found out the loan I received was not a home equity loan, but a home equity line of credit with compounding interest. I have made payments on the home equity line of credit loan with an outrageous rate, and I owe the same amount of money I originally borrowed in 2007!. For the last 8 years I have been trying to work with Wells Fargo, and combine my home mortgage, and home equity line of credit into XXXX conventional home mortgage loan with a reasonable interest rate, however Wells Fargo refuses to do it. I have excellent credit, have paid the loan diligently, never late, and the value of my home exceeds the amount of the mortgage and the home equity loan. I am almost XXXX years old on a fixed income, and I ca n't believe Wells Fargo will not work with me. I am not asking for a handout I have a reasonable request. Wells Fargo wrote me a letter essentially telling me to let my mortgage lapse and default on the loan. I have never, and will never NOT pay my bills. I am desperate for help. Is there anything you can do to help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX we completed a modification with Wells Fargo Bank, we were so excited about the modification that we did n't read the entire forms that were sent out for us to sign. In XX/XX/XXXX due to my wife illness we fell behind not quite XXXX months with our mortgage, we were trying to catch up always a month behind. We decided to try to get help by doing a debt consolidation loan to bring us us to date it would also help us to secure a refinance in the next 12 months. We found a company that would do the loan for us just as we were to sign the document a Title search was done and we found out that HUD had placed a partial claim on the home making it virtually impossible to secure a loan. The claim shows up as a lien on the home. Finding this out was a shock to us, we were never informed verbally that a lien would be placed on the home by HUD. This has create a hardship for us because no one will touch our home due to this XXXX lien. We are falling farther behind on our mortgage and other bills we want to save our home, as we have the income to maintain our home once we get someone to help us to get ahead. We sincerely hope you can help. 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed my car through wells Fargo Dealer Services. I have made all payments through bill pay. On XXXX I did an early payoff. I sent wells Fargo & XXXX. 
I overpayed what they were showing I owed at that time on their sign in site. Wells Fargo never ever showed in any statement that I made a {$7000.00} Payment. Wells Fargo shows that I sent them {$6100.00}. That is today. When I first made the payment they at that time showed that I made 2 seperate payments both being extremely less then what I sent them. These payments mysteriously now disappeared. Now only one payment shows. When I questioned them, They gave me the run around and said thats just the way wells fargo does things. They did send me Title as well as Payoff letter. The problem is {$7000.00} - {$6100.00} = {$930.00}. Wells Fargo sent me a check for around {$15.00}. Where is the over $ XXXX they owe me. Im just going by their records. Did they open another account with this money? I want to know. I have documentation proving every word im saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i went to XXXX and finance a car XXXX through wells Fargo Bank they told me if im putting a $ XXXX upfront my monthly payments will be XXXX per month including all taxes and fee 's i sign the contract and they said copy of all the contract will send by mail i got my first bill the payment was {$460.00} A month i called them and they told me no way we will look into it i called wells fargo they said we will look into it but they never did then they told me take the car back to XXXX i went back they told me this guy no longer working there so they have no clue what am i talking about then i stop making payment bc i could n't pay i was i college and the repo the car i called them spoke to them and they told me that they will remove the negative item from my credit file which they didnt i sue them in court i win the case and they still dont want to remove it they ruined my credit i cant get student loan and i cant continue going to college im a single mom and they destroy my life and my future

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