BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I closed a savings account at my XXXX, FL bank and received a certified check from them for the amount in my savings account, a little over {$16000.00}. I took that certified check to Wells Fargo in XXXX to open a savings account there. They told me they would give next day credit for only {$200.00}, hold {$4800.00} for 2 business days, and hold the balance, more than {$11000.00}, for 7 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Contacted Wells Fargo in an attempt to cancel my escrow account for my VA backed home loan. Was told that Wells Fargo will not cancel escrow accounts on VA backed home loans like they will other standard loans and that the escrow account must be kept for the life of the loan. This will tie up thousands of dollars needlessly and is blatantly discriminatory towards US Military Veterans who take advantage of the VA backed home loan offers.

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 2015-03-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am trying to close a safe deposit box and saving account and the bank is completely unresponsive. We emptied the box on XXXX XXXX, but did not have both keys with us. We do not live in the same state as the safe desposit box. I mailed the keys to the bank on XXXX XXXX explaining that we wanted to close the safe deposit box, gave my cell phone number and my husband 's number. They did not respond. I contacted their online help system and exchanged emails. They were able to confirm that the keys were received, but that the box was still on my account. They gave me a number to call which was just a recording saying they would respond within XXXX hours. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to obtain a home loan modification with Wells Fargo Home Mortgage. I have been assigned XXXX different modification specialist since XX/XX/XXXX. After almost one year of filling out forms and answering questions, I am no closer to the end. I have been told that as long as I am in the modification process, that I would not be foreclosed on. I then received a letter dated XX/XX/XXXX, stating that the loan has been referred to an attorney for foreclosure. For some of the questions asked, the answers are impossible to get. It should not take close to a year for a decision to be made. I believe that this is being drawn out on purpose so that I will fall farther behind in my payments, giving Wells Fargo Bank an excuse to foreclose. I am not asking for Wells Fargo to lose any money on this loan. They can add whatever is needed on the end of the loan to make up for lost revenue from the lower interest rate. I can accept a longer term fixed loan if needed. I just need a smaller payment so that I can coordinate with other debts and have enough money to maintain my home in good repair. After talking with the bankers at my local Wells Fargo Office, they agree that there is no reason for this to take so long.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working in good faith on a short sale with Wells Fargo. They initially drug their feet causing my first buyer to walk away. They only approved the sale after my first CFPB complaint. By then it was too late. Then we submitted a new offer for a sale and again Wells Fargo delayed the process only to deny the sale using a XXXX that was XXXX XXXX XXXX for a value. I again filed a CFPB complaint. They assured me they would do a new value if I found a new buyer. I have a new buyer and again Wells Fargo is dragging their feet, asking for documents over an over again. In the mean time I have received nearly XXXX denial letters stating they could not offer assistance because of no change in my circumstances? Also, when I call, they tell me nothing has been in review since XXXX, yet then ask for more documents. Which is it? Is there an active short sale or not? Now they have a sale date scheduled and their attorney some how obtained a judgement without every notifying me of the court hearing. I believe Wells Fargo is keeping the Short Sale " inactive '' so they can dual-track.

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 2016-11-01
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was acquired by LoanCare on XXXX/XXXX/16 and transferred to them on XXXX/XXXX/16. Our complaints related to this company are as follows : 1. We did not receive a welcome letter because they used an incorrect address. 2. Since the transfer, we have requested cancelation of the escrow account in writing. Other than an acknowledgement of the request, we have not received a response. We have over 20 % equity in the subject property. 3. We have requested in writing a full accounting of the escrow fund and an out of standard analysis, but have not received a response. Our prior mortgage company 's escrow accounting shows an $ XXXX refund to the escrow account for improperly procured lender-placed insurance, but LoanCare shows no record of that refund and says it is " lost in wirespace. '' 4. Despite providing proof of coverage in writing and having multiple conversations with various representatives and supervisors about our existing coverage, LoanCare continues to threaten that they will procure lender-placed insurance and continues to request that we provide proof of coverage, in an apparent error that is unable to be corrected. Also, the automated line is still advising that payments for hazard insurance are being made from the escrow account, so they must in fact have proof of coverage. 5. We are receiving conflicting information on flood insurance. On XXXX XXXX, XXXX representative names XXXX told us that part of our escrow payments consists of {$170.00} in flood gap insurance. We are not required to carry flood insurance based on our flood zone. On the same day, a different representative in the insurance group named XXXX said the entry is a " XXXX XXXX XXXX '' and is a " dummy '' entry and that we are not paying for flood gap insurance. She could not explain why the other representative had such specific information about the payment being made out of escrow.

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 2016-12-03
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Bbva compass will not remove the XXXX fees from my account after someone tried to use account Date : XXXX/XXXX/2016 From : XXXX XXXX To : XXXX XXXX Account : Savings XXXX Time : XXXX Reference ID : XXXX Memo : I am unable to issue dispute under account XXXX 1. Amount of change {$38.00} x XXXX NSF 2. Posted date XXXX/XXXX/16 & XXXX/XXXX/16 3. Merchant name XXXX 4. Reason for dispute ( cancelled services, onetime payment, etc. ) This transaction is not for me this is not my insurace carrier I never initiated services with them 5. Your current mailing address XXXX Fl XXXX 6. Your phone number XXXX 7. Preferred method to receive the dispute paperwork ( by mail, fax, or email and provide such information ). email 8. Have you attempted to contact the merchant to obtain a refund? Yes I contacted this merchant initially on XXXX/XXXX/2016, and was advised there was no way to provide me any information as the SSN provided, Drivers License number, address, and also the DOB provided does not match my information. The merchant explained I need to contact my bank. 
9. If so, what date and what was their response? XXXX/XXXX/2016 I was advised there was no information t CloseDelete Reply

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a 15 year cash-out refinance loan from BBVA Compass Bank back in XXXX XXXX. The loan processor I was working with was XXXX who is the only loan processor for BBVA Compass in the XXXX, TX area. The loan went through the motions and was approved around mid to late XXXX. By late XXXX, the loan was set to close and I was even given a closing date of XXXX XXXX, XXXX. One day after this information was given to me, XXXX contacted me to inform me that at the last minute, my loan had been " red flagged '' due to high loan fees and did not pass compliance. She went on to state that my loan 's fee were above the 3 % limit set for the state of Texas and that there was nothing that she could do to lower my loan 's fees ( in fact, she blamed compliance, stating that they were unwilling to corporate with her ). As a result, she said that my loan was now in limbo and that it would never have a chance of closing. 

Therefore, I was forced to find another lender and start the process over again. Upon doing so, the new lender notified me that my credit score had now gone below the limit needed for a cash-out refinance and recommend that I transfer some of my credit card balances in order to quickly raise my score. Therefore, I had to transfer {$3500.00} in old debt to a borrowed credit card in order to meet the balances needed for the re-score. 

I feel that XXXX was incompetent in the handling of my loan and had she done her job correctly it would have closed as scheduled. Not once during the loan process was I told that their might be issues regarding the fees, nor was I ever told that the loan might not close at all. I feel that BBVA Compass should take some responsibility for XXXX actions as she represented herself as an experienced loan processor who has been in the business many years and has handled all types of loan situations. Her experience obviously did not show during my loan process as she often seem confused and was totally lost when the issue of the high loan fees came about. In fact the new loan officer questioned the fact that no effort was made to waive or reduce a fee in order to meet the 3 % threshold. As a result I am asking that BBVA compass pay at least half of the balance transfer, {$1700.00}, which I would not have had to pay had the loan closed as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent of letters certified mail disputing all negative errors on all  XXXX  of my credit reports asking the credit bureaus to verified and send my proof that they verified all of the negative items im disputing. Plus I spoke with agents over the phones about all of this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I live in XXXX, CA and my loan servicer has changed 4 times and I can not finalize a loan modification. The current loan servicer is Carrington Mortgage Services and they have violated my homeowners rights. My attorney has filed a complaint outlining XXXX causes of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have contacted Rash Curtis & Associates on 5 separate occasions about XXXX accounts, I dispute having knowledge of, that they have placed on my credit. 

I am referring to accounts numbers XXXX and XXXX. I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the accounts belong to me when they do n't!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
My second mortgage was sold to LoanCare. After a leak in my home created considerable damage, I started receiving checks from XXXX to pay repairers. Checks were sent to LoanCare to endorse. When the amount reached {$20000.00}, LoanCare put numerous obstacles in our path - a variety of paperwork from numerous people, checks that had to be returned because they were made out to the wrong person etc. The final straw was a check made out to me and XXXX subcontractor ( I had to pay XXXX different contractors ). I must now send this check back once again without confidence that I 'll ever get the money. They are obviously a shady company considering all the complaints I read on the XXXX website. Ca n't anything be done?

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 2016-04-07
Company: ALLIANCE FINANCIAL RESOURCES
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I was approved for an fha loan where I was putting 20 % down and paying the upfront mip out of pocket at closing. This is the way I was approved. After closing I noticed that the mip was included in my loan amount. I have evidence of this entire episode. 
I contacted my loan officer and he said not to worry that he would take care of it. This is all in an email I have kept. Numerous times I had contacted the lender for this to be resolved. It is my understanding that the approval of my loan was changed after my loan closed, I have all the information saved for your review to proved that my loan information changed after my loan closed to make it look like I did n't want to pay upfront mip out of pocket ... I called FHA and they said to get with my lender and I did. They are trying to say this is the way it was. Not so ... 
I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Upon viewing my consumer report I noticed that their is a US Bank account that I never opened. I was recently a victim of ID Theft. I believe that this is a result of the ID Theft. I sent the following dispute to the XXXX but I received no response. I ask that this information be immediately deleted from the record they maintain under my Social Security number and provide an updated report. 



XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX To Whom It May Concern : I was recently informed of negative information reported by US BANK included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a ACCOUNT CLOSURE FOR ABUSE. 

I am unaware of ever having an account from this US BANK. 

Please validate this information with US Bank and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

For your reference, my personal information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-27
Company: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I just went through 7 months of application for a HAMP modification with US Bank. I am a XXXX and sometimes do n't have work in the winter months. I got behind a few months on my mortgage payments and was approved for the modification on XXXX, 2015. During this time US Bank kept sending statements for payment, assessing late fees, and making bad reports to the credit bureaus. I spoke with my representative, XXXX XXXX, about the XXXX week of XXXX to tell her I would not be able to make my XXXX payment and that the XXXX may be late. I reminded her of this when I spoke to her at the end of XXXX telling her I expected a paycheck around XXXX XXXX. I did n't get it on the XXXX and called to let her know that as soon as it arrived I was going to send in the past due amounts. I finally got the check on XXXX XXXX. I got a cashiers check for XXXX - XXXX - and XXXX and sent it. I called her the next day to let her know the check was in the mail. We signed and sent the acceptance form for the HAMP modification. About a week later, we received a letter from US Bank saying we were disqualified and not approved for the loan modification. The letter said the reason for the revocation was because the mortgage was no longer delinquent. At no time were we told that paying the past due amounts would get us eliminated from the program. I kept them well informed that I was trying to come up with the funds. Had I known, I would have kept the money and put it toward a new furnace. Ours broke last XXXX and needs to be replaced. We have been trying to keep warm this winter with only a wood stove in the basement. Sometimes it 's only XXXX degrees when we get up in the morning. We also need the roof replaced. US Bank says they will not take any responsibility for them tricking us into being disqualified. They claim the modification was figured to include the delinquency and any change to those figures nullifies the deal. I did the fiscally responsible thing by paying when I could ; I should not be punished for mistakes they made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: U.S. BANCORP
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
Prior to XXXX XXXX, 2015 US Bancorp placed an inquiry on my credit report without my permission and with no apparent permissibly purpose. As a result of this inquiry, US Bank mailed me a pre-approved firm offer of credit. I accepted the US Bank offer on XXXX XXXX and on that date US Bank placed further inquiries on the same credit report used to solicit me with their credit offer. Shortly after XXXX XXXX US Bank verbally informed me they declined my application and refused to state why. They have to this date never followed up with any written reason why they refuse to honor the firm offer of credit originally extended as a direct result of obtaining my credit report without my authorization or permissible purpose. 

It 's clear US Bank violates the FCRA by obtaining without permissible purpose consumer credit reports under the pretext of making a firm offer of credit yet their offer is neither firm or of value. It 's also clear that US Bank refuses to follow the FCRA in that they fail to provide written rational behind failing to consummate their offers and / or declining credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to Carrington LLC for the XXXX XXXX payment. XXXX XXXX XXXX did an escrow analysis XXXX 2015 and made the determination that I was paying too much money so they reduced the XXXX payment. Carrington assumed the loan in XXXX. I never received a statement from Carrington or any information regarding the loan until XXXX XXXX with the new account #. I paid the loan on XXXX XXXX acccording to the statement from XXXX XXXX XXXX. Carrington refused to apply the check to my loan and is holding payment stating that my account is in arreas and I am required to pay the additional escrow amount. When the loan was transferred, Carrington failed to get all the documentation. I confirmed with XXXX XXXX XXXX that Carrington has all the necessary documentation to reflect that the payment was lowered as of the XXXX XXXX statement date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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