BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXXaccount # XXXX wells fargo bank location XXXX, Ga. 
act of fraud in customer serivcesreport balck male told a lie about replacing atm card needs to have reply in report about him -lying to m e.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a HAS account set-up with Wells Fargo since XX/XX/XXXX. Starting in XX/XX/XXXX, I started to pay a monthly maintenance fee of {$4.00}. In XXXX, I decided to move the balance to another provider who would not charge me the monthly maintenance fee. The balance was transferred from Wells Fargo and they ended up charging me another {$25.00} account closing fee. This fee was never disclosed to me nor has the customer service reps at Wells Fargo been able to provide me with a reason for this fee. I am left with no option but to try and recover this overcharge by this bank via the Consumer Financial Protection Bureau. I keep paying fees to this bank and there is no end to it. 

I have also tried to get into the Wells Fargo account information online but the firm has turned off all my access to it and I am unable to attach an online statement for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last month my husband wanted to add a new puppy to the family. So we looked online and found a website that had XXXX XXXX The page was very detailed with lots of information reviews. We paid a deposit through XXXX {$250.00} then another {$600.00} when we had the money. Later on they said that we would have to send an additional {$1500.00} because the kennel wasnt good enough. This is when red flags went up and we refused to pay the extra {$1500.00} the major shipping company did not take credit or debit so that through us off as well. They also sent us a tracking flight and shipping details which looked very legit. So now were out {$850.00} we filed a claim through usaa and they said their was no error which we think is bs because itS clearly fraud and a scam. Basically we were told to go talk to the people we tried to by the puppy from the people who scammed us. They blocked us on everything and we can not contact them what so ever. We also contacted local police in that area. I also searched photos of the dog after and found it on a real breeders page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking and savings account with Wells Fargo, I called them in mid XXXX to close both since I no longer had them servicing my mortgage. When I called I was told by a representative that there was a pending transaction and I had to wait until the following business day to close both accounts so the payment could post. I called back the following day and successfully closed both accounts. Wells Fargo sent me XXXX checks from the remaining balance in both accounts. Today Wells Fargo called me and told me that the payment they had told me posted had n't actually posted and that I owed them {$100.00}. This was for the {$33.00} payment which they told me posted and then XXXX overdraft fees. XXXX XXXX {$35.00} XXXX for the {$33.00} charge and XXXX ( {$35.00} ) for XXXX of the checks they had sent me after closing my account. I told them I would send them a check for the {$33.00} and they informed me that since my account ( which had been closed and they confirmed in writing ) was now open again without my permission I would have to write a letter, have it notarized and wait an additional XXXX - 10 business days after they received it for my account to be closed again. So they lied and re-opened my account without my permission and tried to extort me for XXXX overdraft fees.

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 2016-04-12
Company: RICHLAND HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting notices from their collection agency Acct of XXXX Nevada and I have sent response letters, XXXX XXXX, XXXX, XXXX XXXX and XXXX to Acct of XXXX Nevada and all XXXX credit bureaus asking for proof it was me using the services of their client. I have asked for : 1. The copy of your agreement with Nevada XXXX XXXX which authorizes you to collect debt on the their behalf. 

2. The signed agreement from the debtor confirming to pay the debt or any document signed by me at the offices of Nevada XXXX XXXX. 

3. Any documents showing payments made on this account and validation of the amounts. 

They have not provided any information documenting it was me using the services of their client. 

Respectfully. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-04
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX I checked my credit report. I notice that Midwest Recovery has me in collections I sent validation and verification letters to the company 45 days ago to this date I have not recieved a response. The orignal creditor which is XXXX XXXX payday services which I looked the company up and its a scam. I am unable to obtain credit due to this negative information in which I have never heard of this company. I sent letters asking for orignal contracts identification etc and I still have not heard from the company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The DATE OF LAST ACTIVIITY & DATE OPENED : Are reporting the same date which is, XXXX/XXXX/2019. This is wrong reporting after disputing with the credit bureaus they refused to removed it from my credit report. I don't have a contract with them and they don't have a signature from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
They deined me for a checking account

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 2017-05-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one comp any. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry , Negligent, Defamation,  Please advise me on this matter..      Sincerely   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 2016-07-27
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
ACS education services is applying all my extra payments towards my loan balance towards the interest of future payments. They are not allowing me to choose which loan disbursement my extra loan principle payments are applied to. I would like to apply the extra principle payment towards the disbursements with the highest interest rates. I do not trust their interest and principle calculations and the amount put towards interest differs every month outside of a normal amortization schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Drivetime incorrectly added negative information to my credit report stating that I had a late payment. I contacted them and requested that they remove it. Instead of completely removing it, they changed it to an older month but it 's still on my credit report. This is my XXXX car that I have financed with them and I have been a model customer for the entire time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: DriveTime
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I purchased a vehicle through Drive time located in XXXX Virginia. I 've now realized that they had never placed me on credit report showing that I 've been paying on time I do n't even show them as A creditor I am paying through as an auto. Fact my credit report is showing I do n't have an auto loan active. I called on XX/XX/XXXX and spoke with Drive time representative. She informed me they were having problems trying to post with Equifax for people who have had bankruptcies. he informed me they been working on it and hopefully it will be resolved within 2 to 3 months. Informed her I have been paying on this loan For almost four years. Told me to call back then, see if it 's been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my mom on XXXX/XXXX/XXXX, she had fell behind on her mortgage in XXXX. She was also receiving help from NJ XXXX at the time. They were paying a portion of moms mortgage and mom payed the rest. When mom passed she willed the house to myself and my brother, my brother XXXX on XXXX/XXXX/XXXX. I contacted Ditech 2 months after mom passed and the gave me a trial period payments with the promise of a loan Mod. at the end. I made all XXXX payments and then the claimed because mom dies I needed to assume the mortgage ( which I am more the happy to do ) To this date the have not accepted any more payments and have filed suit in court with the intent to foreclose. Everything they have asked me to submit I have. I truly believe the have acted unfaithfully. This is my moms live long work and my childhood home. I would appreciate any and all help in trying to keep our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree claims that there is not proper hazard insurance on the property located at XXXX XXXX XXXX XXXX, OH XXXX. Please see attached letter. 
I spoke with Green Tree on XX/XX/XXXX regarding a letter dated XX/XX/XXXX. Green Tree claimed there was no insurance on the property since XX/XX/XXXX. We agreed to have the insurance agent contact Green Tree and that the renewal billing was not going to be available until the first part of XX/XX/XXXX as coverage was in force until XX/XX/XXXX 
Green Tree called the insurance agent on XX/XX/XXXX to verify the information. 
Another letter was received dated XX/XX/XXXX again claiming no hazard coverage. 
The insurance agent faxed the insurance bill to Green Tree on XX/XX/XXXX. 
XX/XX/XXXX the attached letter was received. This letter dated XX/XX/XXXX states again no hazard coverage and that I will be liable for any coverage Green Tree purchases. 
On XX/XX/XXXX I spoke with XXXX at Green Tree who stated they did get the bill, but it is not being paid as there was information missing. XXXX requested that the insurance agent call Green Tree direct. This happened within the hour. According to the insurance agent, 5 letters were missing on the declaration page, but they were told this would not hold up premium payment. 
I called Green Tree back to follow-up. XXXX took my call, did nothing and transferred me without notice to XXXX. XXXX stated they had no record of a premium bill or coverage. This was totally incorrect. I stated the facts and XXXX claimed he talked with the insurance agent and expedited the premium payment on XX/XX/XXXX. 
No online entry in noted on the account as of today.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: POPULAR BANK
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX we, XXXX Title Agency notified Popular Mortgage XXXX XXXX of an unreleased lien affecting the title of a home that is for sale. Unfortunately the seller did not get us the information until XX/XX/XXXX. Because the loan dept was already closed that day and inquiry was put in but not " accepted '' until XX/XX/XXXX. We were told on XX/XX/XXXX that we would have a response within 5 business days. I called on XX/XX/XXXX, believing that to be the third business day, but was told that they were n't counting Friday the XXXX. I was told at that time we should have something between 3 to 5 business days. I called back on the XXXX whcih would be the fourth business day based on their calculations. I was again told that nothing has been done, but XXXX whom I was speaking to, was nice enough to put an email out to the specialist assigned to the inquiry number. During this call, I was disconnected, called back and was able to speak directly to XXXX again. 
Today, XX/XX/XXXX, I have called 8 times. I have been hung up on 7 of those 8 times. I have only been lucky enough to get someone on the phone 3 of those times. The first time, I was n't even able to get the girl 's name before she hung up on me. Then I was hung up on by XXXX ( I am not sure of that spelling ) and now I am currently talking to XXXX XXXX also not sure of spelling ). I have asked XXXX to put me through to a supervisor several times and she has refused. She has also refused to give me her supervisors name. She is however telling me that the inquiry was not put in correctly and that I have to start all over and that it takes a minimum of 10 business days to get a response. This is contradictory to everything both my assistant and I have been told for the past week every time we have called. 
The owner of this home closed their line 7 years ago and even has the line of credit closure authorization from XX/XX/XXXX, which I have a copy of. MERS shows this loan as inactive. Yet Popular has never bothered to record a lien release and is now causing XXXX monetary and mental anguish both for the seller 's ( their customer ) and the new buyers who have a moving van set and have no place to live as of Sunday the XXXX. This is to close escrow today! Yet instead of helping me fix THEIR mistake I just keep getting hung up on. XXXX was instructed not to put me on hold, but she just did, which means I will likely be hung up on again, for the XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: MORTGAGE CAPITAL ASSOCIATES, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by Mortgage Capital Associates by telephone to refinance my mortgage. Because of the low rates, I agreed to explore the opportunity. Upon review of rates at XXXX, I found their rates were 0.25 % higher than some of their competitors. I brought this up to them and they agreed to match it. Now that its time to close the loan, they are telling me that they can not honor the original rate quoted and need to charge me the higher originally quoted. Their excuse is that they had to switch to XXXX XXXX from XXXX. At this point, I have already spent {$500.00} for an appraisal and they know that most customers will just eat the extra costs. This is basically a bait and switch and I believe they never intended to give me the lower rate. Instead, they told me what I wanted to hear to get the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is with XXXX and Selene Finance was the processor for my modification. I was approved XX/XX/XXXX, and trial payment were to be completed from XX/XX/XXXX - XX/XX/XXXX. Once completed, my modification documents were never sent back to XXXX for finalization. As of XXXX, Selene Finance is no longer a XXXX party vendor for XXXX and due to the servicing transfer, they were to send my complete file with financials to XXXX so that my HAMP modification can be completed. This was supposed to take place XX/XX/XXXX and it is now XX/XX/XXXX and Selene Finance is not responding. I need for my modification documents to be sent to XXXX so that my modification can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: ARC Management Group, LLC
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On numerous occasions, I have received repeated, nearly back to back phone calls from this number. When I answer, no one is there, I hang up, the number calls again, and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Revenue Assistance Corporation dba Revenue Group
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The collection agent named XXXX XXXX at Revenue Group, stated to me word for word when I asked why she needed my employment, " You do n't need to worry about that, we will find your employment, trust me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2017 I verbally called the servicer FCI Lender Service Inc to request solution to the delinquent mortgage and to prevent forclosure. I am the ex-spouse of the Primary borrower and as result of the divorse was awarded the home. A package was to be sent which would allow me to apply for a modificaton and it was sent & received XX/XX/2017. There we no letter that were sent out requesting additional information and it was n't until 2 weeks later when a letter was recieved stating that there was a foreclose date of XX/XX/2017. During this time we were miss-informed about a Chapt XXXX, due to that we wanted to keep our home. At this time I have remarried a few years back and are able to maintain the mortgage when the modification is completed. It has not been a full 30 days and already a sell date was entered. 

We need to request stop motion of the foreclosure so that the modification has time to be approved by the lender. Since FCI is the servicer, we were unable to mail the modification directly due to the representative only questing for us to send it in writing first and would not relay the information to us. It is our concern that the servicer is not working in our favor to keep and modify our mortgage and may be delaying the process on purpose. 

As of today we have sent the servicesor all the information needed in order to process the modification to our knowledge.

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