BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In receipt of the latest correspondence from Wells Fargo Home Mortgage Return Mail Operations, dated XXXX XXXX, 2016. This is yet another attempt of calculated bullying designed by Wells Fargo Home Mortgage to begin the steps of credit ruin. The letter comes on the heels of my correspondence with XXXX XXXX, of the XXXX XXXX XXXX, NC Wells Fargo Branch. In which we sat down, discussed my concerns, made copies of my deposits and letters from Wells Fargo Home Mortgage. In an attempt to receive a definitive resolution, seeing that my point of contact XXXX XXXX ( XXXX ) XXXX, whom I contacted XXXX twice ), yesterday at XXXX and XXXX. In both instances I was unable to establish contact with XXXX XXXX. Additionally while at Wells Fargo XXXX XXXX XXXX, I made a deposit of {$1600.00}. All while XXXX XXXX phoned a Wells Fargo Home Mortgage representative directly while I sat listening. The letter sent to my home states that I requested mortgage assistance and that I must " Please Contact Us Right Away, Do n't Delay- Call Us Right Away! ". The tactics displayed by Wells Fargo Home Mortgage has now come to a point of unprecedented ridiculousness. I challenge Wells Fargo Home Mortgage to provide proof of myself requesting this assistance. Even through this back and forth of repeated letters and Wells Fargo Home Mortgage failing to request pertinent information, ie, receipts, deposits. The manage to attempt to flat out lie to gain the upper hand. Again PROVE that I requested this assistance, with either a phone call, email, written request, anything!!. This company is at the height of shame and sham, to falsify documents is AGAINST THE LAW!. This and other false documents will continue to be shared with CFPB and the CEO 's of Wells Fargo Home Mortgage, XXXX and all other agencies necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an account at XXXX and setup online bill pay to send a draft check to Wells Fargo to pay for my mortgage account monthly in the amount of {$900.00}. The first payment was delivered on XX/XX/XXXX to WF and processed by WF on XX/XX/XXXX, and they reversed the payment on XX/XX/XXXX. They indicated the the 3rd party bill pay issued a stop payment and they returned the funds electronically. 

I spoke with my XXXX as well at the 3rd party bill pay and they indicated that no such order was issued, or could be issued for such payment. 

After multiple calls and escalation to WF, WF indicated that they will send the record that they fulfilled the stop payment order and return of funds but that record has never been received. 

I had to make an extra mortgage payment to ensure that my account stays current, I may have also incurred additional fees from a late payment and extra interest because the " additional '' payment was received late. As it stands, WF says they sent the money back, and my XXXX account does not indicate any returns funds. I have been back and forth with both companies and I consider my money lost and stolen.

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 2022-05-25
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: Account status incorrect

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2019-10-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX and I have tried to Modify my loan with XXXX XXXX XXXX for at least two years. I also XXXX XXXX XXXX for the school system. I have proved everything over and over again to XXXX XXXX XXXX. With finally getting a complete acceptable package for XXXX XXXX XXXX, when we called to check the status, they informed me that my loan was no longer serviced by XXXX. I asked how will I know who has my loan now? They said I would get it in the mail..and I did receive a letter in the mail from the new Servicer SPS on the XXXX of XXXX and two days later a sale date for my home for XX/XX/2019. 

I have never received any other correspondence from Specialized Loan Servicing except two letters. I never received any mail from XXXX XXXX Loans, I found out information from calling to check on my account. 

Please help me save my home. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was only about XXXX or XXXX when I had a lady from Kohl 's Department store call me about paying off a debt who ended up making me feel even worse than I already did about owing money. When I explained to her that I could not pay anything because I was trying to finish school and that I paid for all of my own bills without help, she told me that I need to grow up and pay off my debt like a normal adult human being. She asked if I it made me feel good having debt. I do n't remember what I said back to her exactly but her words stuck with me and made me feel for a while. I felt horrible for owing money. I wanted to be responsible and take care of the debt but under my circumstances at the time, I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Other fee

Complaint:
XX/XX/XXXX I purchased furniture in XXXX Carolina on a Wells Fargo NO interest for 12 Months account. It took me three months to get the account settled so they would take my payments, as for some reason XXXX, XXXX, had not submitted my information, and Wells Fargo had no record of my account, and kept returning my payment funds. After much back and forth with the bank and store, I got it fixed, and I have been paying my account as promised on time as I was told that interest would be accrued after a 1 year time frame, so MAKE SURE, I have the account paid off by then. I have done so, and noticed a jump in the balance this month, so I logged in and saw a {$460.00} and {$27.00} increase on my bill. It is impossible to get Wells Fargo on the phone and I work 12-14 hours a day. I tried email, and their systems are down on the weekend to contact them to get answers, I want to know why this charge is here and why I was n't notified. I want other consumers to know about deceptive banks and banking practices so as to avoid the XX/XX/XXXX melt down this country had resulting from greedy bankers. I 'd like to know how to proceed to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX has XXXX checks with the dates being XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to find out who cashed these checks. I know this information is over 7 years old but I want an official inquiry into where this information still exists. I want to maintain this complaint until this whole matter is resolved completely. This is an old federal student loan and I never cashed these checks and XXXX @ XXXX XXXX claims I did. They say I signed the checks and cashed them within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AFNI INC.
State: NY
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:
This organization contacted me today regarding an alleged debt owed to XXXX. During this outbound call to my cell phone ( A violation of TCPA as I had communicated to the original creditor I did NOT wish to receive calls to my cell phone ) their agent NEVER made an attempt to verify my identity in any way, simply asking " Is this XXXX? '' before going immediately into the details of the alleged debt I owed. I attempted to enact a verbal Cease and Desist and request Verification of said debt to which I would respond with the appropriate proof of my dispute. Their representatives refused to take my verbal request and promptly hung up. I called back and insisted on speaking to a supervisor. I was then connected to " XXXX ''. This girl informed me that " no verification was needed '' even though they used the Mini Miranda, because their client told them it was n't required. This is absolutely FALSE. FDCPA AND NY State law requires proper verification of identity PRIOR to disclosure of any alleged debt or use of the mini miranda. If their thinking was correct, my son, whose name is also XXXX, could have answered and would have been subjected to this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I thought I bought my van for XXXX plus XXXX percent for the loan ... so about XXXX. My goal was low payments I could afford so the dealer told me that if I paid a big chunk like when I got my tax return my payments would be lower. I even called Capitol One Auto Finance to confirm that. N they said the same thing. But, when I got my tax return and asked how much my payments would be if I paid a certain amount ... but, then they said they would stay the same. I was like ... but, that 's not what you guys and the dealer said a few months ago. N Cap. One was telling me that whatever representative I spoke to told me wrong. So I am stuck in these high payment amounts I really ca n't afford along with the high full coverage insurance and I have n't been able to refinance. ON TOP OF THAT I found out Cap. One actually charged me XXXX for the van when it was n't even worth the XXXX I thought I was buying it for! N I will make payment but the pay off will just stay the same OR GO BACK UP another XXXX! How can a company get away with charging more than twice what a vehicle is worth when ... if we get into an accident and total a car the insurance companies will only give us the cars blue book value or nada or whatever value. That is another complaint I have ... .I pay SO much for full coverage insurance. Over XXXX. Yet when I hit a deer years ago with my other van XXXX would only give me XXXX for a van I paid XXXX for. N now a XXXX driver ran into and did n't stop and I am being treated like a liar by XXXX ... I paid them for insurance not to make the heads of their company richer, but they sure are tight with their money when it is time to help ... or really just give us some of the money we paid them. It would be better to make special personal auto savings accounts because insurance companies take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Biehl & Biehl, Inc
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The debt collections person called me and yelled at me telling me that I am a terrible person and that she did n't have to treat me politely and respectfully, because I owe money. She repeatedly harassed me telling me that she 's here to collect a debt from a person who is less than honest and not worthy of respect and that I should just shut up and pay the money. 

After 20min of asking her to please be polite and treat me with respect she told me that she was n't interested in treating me right and had the right to treat me like I am beneath her. She would n't refer me to a supervisor until I repeatedly asked her again and again and after she finally referred me over she muttered several expletives as she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that is serviced by Roundpoint Mortgage Servicing Corp. The loan was a refinance that originated in XXXX XXXX. We have been current on the mortgage ever since its inception, paying bi-weekly to reduce the overall lifetime cost of the loan. We reached 80 % loan to value ratio months ago, but Roundpoint refused to eliminate the mortgage insurance monthly premium until the loan was at least 2 years old. Currently, we are well beyond 2 years since the origination. This month XXXX XXXX XXXX XXXX, our loan principle reach 77.8 % LTV. Roundpoint 's website says that once a loan falls to 78 % LTV, the PMI ( mortgage insurance ) will automatically terminate. So, I just contacted them via phone to arrange this. Now they tell me that they will not remove the PMI until XXXX XXXX, when they " scheduled '' the loan to reach 78 % LTV. Because we have been paying bi-weekly since the loan 's inception, we reached 78 % earlier than they " scheduled '' it to occur. However, I feel this is arbitrary and nonsensical. Moreover, since XXXX facilitates my bi-weekly payments through automatic withdraw, they should have adjusted the date the loan was " scheduled '' to reach 78 % LTV accordingly.

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: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX 2016, my house was damaged by wind and hail. Because my mortgage is financed by TCF National Bank, the insurance company placed TCF and my name on a check for {$9000.00}. Assistant Vice President and Branch Lending Manager XXXX XXXX XXXX refuses to release the entire amount to me, even though I have provided all of the documentation he requested. Furthermore, when I spoke to him over the phone, he was EVERYTHING BUT HELPFUL ; he assume an arrogant, condescending, and patronizing tone and even had the gall to suggest that I was lying to him. It took a week to receive the checks to pay for materials and labor, and the checks amounted to {$600.00} short of the {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: R.A.Rogers, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked R.A Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Iowa Student Loans ( now Aspire Servicing ) is harassing myself, my family, & friends even though I am up to date on my payments. They are currently calling anyone I have ever put as a reference in a very creepy manner, refusing to say why they are calling. This is scary to my loved ones as I am currently going though a custody battle & they have been worried for my son & I 's safety. I am personally receiving calls up to XXXX times per day on my phone while I am at work. I had to block their phone number as the constant calls was disrupting my life. I do not see the need for constant calls when I am up to date on payments!!!!!!!!!! Now they are calling from other numbers. When I answer they refuse to say what company is calling. For my safety I can not play these games, as it could potentially be my ex up to no good again. Again, this is irrational & harassing as I am up to date on payments. When I call their XXXX number to get to the bottom of this, when I finally get a human on the phone they are confused as to why they are even calling. Yesterday I was told " we would never call you like this unless you were behind on payments. '' Once I pointed out that I am not behind on payments the man on the phone was very confused & put me on hold. I warned him that I already had a patient in the waiting room & asked for a supervisor 's phone number so I could call back later to attempt to resolve this issue in a timely manner. He refused to give me a number to call back ... This constant & unnecessary harassment is causing me unnecessary stress & causing my XXXX to worsen. Please help me resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
It 's been more than 90 days since I have completed the requirement for the {$300.00} checking account sign up bonus yet it has not posted yet. The original offer was Open a qualifying KeyBank checking account with the promotional code XXXX and receive a direct deposit of at least {$500.00} or more within 60 days of account opening and receive a sign up bonus of {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: TCF NATIONAL BANK
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We fell behind on a payment or two on auto loan they call me XXXX or XXXX times a day I called to find out what was the lowest payment I could pay they were very rude asking all kinds of personal questions I told them why do I owe so much because a girl from your company said she would defer a payment he said well we do n't do that by word of mouth and then preceded to say so why are you calling are you going to make a payment or not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I tried to file a dispute with Equifax for an account that I paid off in full and would like to have it removed from my credit report. I have made the same report to the other XXXX credit bureaus to have the same account removed from my credit report and they have removed it with no problem. I tried to get a confirmation number to file a dispute but they they told they could n't give me one because there is nothing in the system. But I told them that is why I calling to file a dispute so I can get a number, and they also told me that the account I am trying to dispute will remain on my credit report for seven years despite that it is paid-off and closed. They did not even bother to do an investigation to see if my claims were true. I feel that this is one of the many reason why people can not rebuild their credit, these agencies need to be governed to make sure that people are being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Was discharged through my bankruptcy, though coerced, by collection agency, for less than {$300.00}, after bankruptcy! Collection agency complained of the small, regular payments I was making, wanted more, or paid in full, till I realized wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: KEYCORP
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed by debt collectors over debts owed by tenants who rented a room in my home over a decade ago. Most recently, " American Education Services '' / '' XXXX '' have been calling and sending letters demanding I give them contact info for the supposed debtor. ( Her mother was the tenant-of-record, and she was in middle school when they lived here. ) The letter says " he/she listed you as a personal reference that we could contact to verify his/her address and telephone number '', which is a LIE ( I do n't HAVE her current contact info, and would n't give it to these scumbags even if I knew it ). The letter arrived about a week AFTER they called me early one morning for this info, and thus AFTER I told them that I had NO current connection to the debtor AND that they were BREAKING THE LAW by continuing to harass me over debt I did n't owe.

Company response to consumer: Closed with explanation