BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job on XXXX XXXX XXXX. I was unemployed with a few jobs in between for over two years. The first year I borrowed money from my parents to pay the mortgage but XX/XX/XXXX I could n't anymore. So I started not to pay and applied for a modification After all this time, I was just notified two days ago that I was declined for every option of the loan modification. My wife who is n't on the loan her income is XXXX a month, and mine is now XXXX a month, I got a job since. They told me that my only option is to come up with the XXXX that I owe in back payments or I can do a died in Lieu, a chapter XXXX a short sale or they will foreclose. As far as I know there has n't been foreclosure date set as of yet. I do n't want to lose my house. I have XXXX kids and it would really not be a good issue. They wo n't do a principal forbearance for me either. I would like to get a principal forbearance so that I can keep my house. They are n't very helpful or responsive. They have been the worst to deal with. It seems like they would rather foreclose then assist us in fixing the issue so we can keep our house. I am hoping that you can assist in getting this done. I really ca n't afford any more losses in my life and this would be devastating. Having a lender that is n't willing to help find an option is really hard.

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 2016-04-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX XXXX CALED WELL FARO MORE GAVE I SERVICE TO REMOVE THE PM I IN SERVICE FROM MY LOAN XXXX AND WELLS FARGO STATED TO CALL XXXX XXXX AT XXXX AND WAS GIVING A NUMBER XXXX AND XXXX XXXX STATED THAT THEY DO NOT CAREY THAT LOAN AND TO CALL WELL FARO BACK AND THE JUST TOLD ME THAT THERE RECORDS STATES THAT XXXX XXXX CARRD THE LOAN SO WHO REAL CARRY THE LOAN BECAUSE RIGHT NOW IM PAYING WELL FARGO EACH MONTH, WELL FARGO STATED TO CONTACT XXXX XXXX AND HAVE THEM PUT IN WRITING THAT THE COMPANY DO NOT CARRY THE LOAN, THEN I WAS TOLD A YEARS AND A HALF AGO THAT WHEN I MEET XXXX TO XXXX on payments RULE THAT THE PMI INSURANE WOULD DROP OFF IN LESS SOMEONE TOOK OUT ANOTHER LOAN WITH OUT ME KNOW ING IT AND ADDED MORE YEARS TO THE LOAN.

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 2018-05-26
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a CHASE Visa Signature credit card. 
The application was not approved. 
The reason given in the letter states : " Too many credit cards opened in the last two years associated with you ''. 
I do not believe that this is a valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Synovus Bank
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The XXXX has directed me to you for help with an ongoing issue I am having with Wells Fargo. In short, they have arbitrarily closed my separate XXXX nonprofit business account thrice. The bank has failed to notify me of these closures, and the bank has failed to restore the nonprofit 's balance that was in the first account they closed without my permission. 

I have notified the bank on numerous occasions and the XXXX helped me restore XXXX account, but Wells Fargo has continued to close my account and has never restored the nonprofit 's balance. As of last week, I was appraised to Wells Fargo illegally depositing a XXXX XXXX donation into my personal checking account ; I can only assume they did this because they closed my nonprofit 's business checking account. It 's my understanding that this is theft, fraud, and illegal, and this appears to align with the illegal behavior Wells Fargo was recently accused of doing with manipulating checking accounts and massive employee firings / federal lawsuits. 

Please let me know what I can to do to remedy this problem as Wells Fargo has ignored my request for resolution. I do n't want the IRS to think my nonprofit was knowingly breaking the law by applying tax-exempt donations to my personal 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 2017-01-30
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Navient which is a branch of XXXX took over this debt XX/XX/2006 and because Navient was not able to collect on the debt has now contacted XXXX XXXX XXXX XXXX to collect the debt that is too old to be on my credit file and was due to be taken off last year. XXXX XXXX XXXX XXXX is now contacting me to collect on the debt because Navient has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute regarding falsely furnished accounts by Experian ( Complaint ID XXXX ) the response is not valid in that the investigation is in violation of 15 U.S.C. 1681a ( e ) - investigative reports must have sources of interviews of family and friends, and the results can not contain factual information. The " creditors '' are neither family or friends. No notice of dispute was placed on the alleged accounts per 15 U.S.C. 1681c ( f ). Further, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) this dispute was made XX/XX/2022, and Experian did not submit a reply until XX/XX/2022. This reinvestigation has taken longer than 30 days and the alleged accounts should have been deleted. Experian failed to maintain reasonable procedures designed to avoid violations under section 1681c, and no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of title 15.

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 2015-10-10
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I eagerly opened the e-mail sent ( XXXX/XXXX/15 ) from cfpb regarding my complaint XXXX. You can not imagine my disappointment when I read that Wells Fargo required additional time to complete their research. When I first spoke with XXXX XXXX she indicated 10-14 business days. I was utterly amazed to also that XXXX XXXX XXXX ( Wells Fargo XXXX ext XXXX ) asserted that she was unable to contact our legal counsel XXXX. I immediately contacted them, without difficulty, and discovered that there is NO record of Me XXXX, or any other person from Wells Fargo of attempting to reach the Office. Our Counsel attempted to contact XXXX XXXX numerous times ( on XXXX/XXXX/15 ) as did I, but to no avail. I will call her daily and attept to determine what information is required to complete her research. 
My Lawyer is leaving the XXXX XXXX XXXX effective immediately. I have been handling all correspondence to Wells Fargo regarding this situation and wish to continue to do so. 
Please contact me ( directly or through cfpb ) on all matters relating to XXXX XXXX XXXX, loan # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is reporting an inaccurate account on my credit report. They are stating on my credit report that an account was included in bankruptcy on XXXX XXXX, 2012 when my bankruptcy was filed on XXXX XXXX, 2012. I sent them a dispute letter to verify all this information and it was ignored. I disputed with the credit bureaus to get this account updated as well and they continue to report the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: National Credit Services, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every day, multiple times per day ( I have my call log save on my phone, so I have proof ). I have now had to block them from calling or messaging, as they call every day while I 'm at work, despite being told and asked multiple times to stop. Now, they just call and do n't say anything, but the calls keep coming.

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 2017-02-21
Company: BANKUNITED, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I had mortgage with Bank united and now when I call or see online account, it 's no longer there, there is no help at all, they said they sold my mortgage but there is nothing send to me, please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Matthew Thomas & Associates LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
company based in XXXX calls repeatedly with caller id from XXXX leaving message to call XXXX number. Calling the number no one ever answers and they still keep calling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Synovus Bank
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card stolen and used to make a purchase at XXXX XXXX XXXX and several other locations. I immediately contacted my credit card company and reported it stolen - they cancelled the account and opened a new one, however, XXXX of the charges made by the person who stole my card was this XXXX XXXX XXXX charge. Apparently, XXXX disputed it and they allowed it to be re-billed to MY NEW ACCOUNT. 

They sent a letter asking me to sign and return via fax the them and I did, within the 10 day period - that charge is still being charged on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
company has called my cell phone number several times looking for someone else ( XXXX XXXX ). They refuse to remove my number from their system. When I told them it was illegal in Texas to call a person 's cell phone without express consent, they just said it is not illegal to call a wrong number, and then hung up on me while refusing to provide her name, the company name, or an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My family has a mortgage and down payments assistance loan with Kentucky Housing Corporation. We 've always made our monthly payments via their online web portal. The web portal payment system was not functioning during the last several days of XXXX XXXX. I made XXXX payments via a toll free number before the end of the month and was still accessed XXXX thirty day late entries on my credit report. I 've had a mortgage since XXXX XXXX with no previous 30 day late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I acquired this loan on XXXX XXXX XXXX XX/XX/XXXX. I am so sorry that I ever agreed to let this company finance my loan. It has been nothing but XXXX and heartache. I have had this loan now for five years of XX/XX/XXXX. 
Over the length of this loan I have made late payments. The reason for this was either being laid off, lost a job and unable to find a new job. I am not currently on XXXX and making much less then I was making. 
Since the loan began I have made 45 payments. In those 45 payment I have made payments in the amount of {$18000.00}. From those monies the company has applied {$14000.00} to interest, {$3000.00} to the principal and {$1300.00} to late fees. So how is it over a five year period they have only applied a little of XXXX dollars to the principal. This clearly is a rip off. 
I received my current statement in the mail yesterday and they are telling me the amount due is {$1800.00}. They have to be at of their XXXX minds. I was behind and received a letter stating that they wanted {$1000.00} to make the loan current and I made that payment on XX/XX/XXXX. Then in XX/XX/XXXX made a payment of {$400.00} They are clearly taking advantage of their customers. On this statement they are saying there is past due amount of {$400.00}, accrued interest in the amount of {$210.00} and Unpaid late fees in the amount of {$1000.00}. 
This is absolutely crazy that these creditor are allowed to take advantage of hard working individuals. So my loan it do to mature on XX/XX/XXXX. How in the world will that ever happen at the rate they are XXXX me?????????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: SC
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 mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 

The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 

The disputed items must be investigated. 

I respectfully request you to process the investigation as prescribed by my rights under the FCRA. Under federal law, you have XXXX  days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Self Financial Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There is a credit card company that offers many financial products called Self INC. I have been using their credit card for XXXX years building credit. I noticed around XXXX some company named XXXX charging my card a huge amount of money over XXXX dollars a month. I notified Self to send me a new card immediately and to change my card number back in XXXX. They did send me a new card and number but refused to follow up with investigation. I noticed this fraud company had access to my new card information ( which I have no clue how ) and charged me in XXXX. I Immediately let Self know through their email portal and to send me a new card. XXXX XXXX was the same this company charged me again. Self is refusing to investigate fraud, and I believe someone at that corporation is giving my information illegally to fraud companies to do random charges. So far I am at a lose up to XXXX dollars that might never be returned. I had a lot of trust in Self but they have refused to fix the issue or help in the matter. I want this account closed immediately and they should have done so long ago. Since this account is a Secured account I am at a lose. Self also failed to launch an investigation nor did they follow up with the decision. I have lost my trust and faith in this company and believe they are also predatory by how they do not keep consumers safe from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage was taking out in XXXX with XXXX. Due to divorce and declared bankruptcy. I have been trying to work with XXXX since XXXX to have my mortgage modified. I also made payments and applied for modifications. After being denied modification I stopped making payments on the loan. 
Currently I am not sure who owns the loan or services. As I have never gotten a formal letter notifying me. I receive a bill from M & T and Service request from XXXX XXXX Servicing on mortgage refinancing. 
I also searched my loan and noticed XXXX XXXX may own my loan.

Company response to consumer: Closed
Consumer complaint received 2016-07-23
Company: Esser, James & Associates
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from number XXXX. I answered the call and the automated voice said if I was who I was to press one. I pressed one and was connected to a person who asked if I was someone named XXXX XXXX or XXXX, I could n't tell. I gave them my correct address and they pulled up my file and stated theyre were esser, james, and associates and that they were giving notice that I was going to be sued for credit card fraud. I asked why and they stated that I had a XXXX chevy Malibu and a chevy equinox, as well as a mortgage in my name and said I 'm able to repay the debt and have not. I told them I have none of these things and want to dispute. They told me they were unable to dispute and were going to sue me no matter what unless I arranged payment. They said they would put a lien on the house and vehicles. I told them I could n't pay and told them these were not mine. I told them the vehicles my husband and I have as well as the amount of credit cards. They said it did not matter and there was nothing I could do. I agreed to pay, even though I know I could n't pay because I was terrified. After the call, I called a debt collector I 'm currently making payments to ask them if that sounded right. They looked up the information these people gave me and found that they are confusing my mother and me, which is what I thought and I told the company. My mother is XXXX XXXX and I 'm XXXX XXXX. if they would have looked that the birthday they would see those things are associated with a woman born on XX/XX/XXXX not myself born XX/XX/XXXX. In essence, esser, james, and associates are threatening to put a lien and sue me for my parents house and vehicles, which I am not involved in nor are they co-signed on any of my loans or cards. Once I realized something was not right I did research and found multiple reviews on this company that they have done the same thing to others as they did me. Now I 'm getting emails, which I will attach, every day telling me to sign a document, which I am not doing until I get ahold of the original debt holder and tell them about this as well as ask for verification because I feel the 3 payments of XXXX dollars they requested is n't even the correct amount owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am filing this complaint because First Citizens Bank refuses to take my increased of income into consideration. They have refused to use my current income to purposely deny my loan modification. My First Citizens Bank assigned specialist XXXX told me that they were not able to use my current income because they solemnly based approval on tax returns. This is outrageous because clearly my XXXX has been increasing drastically with each passing year. It is absurd that they based my income on last year taxes as my business is blooming. If you look at my XX/XX/XXXX tax returns I made {$11000.00} and last year I made {$27000.00} Clearly, my XXXX is growing and First Citizens Bank refuses to acknowledge or considered my increased income for this year. XXXX from First Citizens Bank stated that despite my business growing they were not considering my current income. I warn him I would file a complaint with my attorney general and cfbp but he clucked and said you nor the attorney general would do anything to First Citizens Bank. Furthermore, he said it would be a waste of time on my part since no one would address my complaint unless I provided my XX/XX/XXXX taxes showing my increased of income. At that point I was done with him. I am requesting a new specialist be assigned to my case that wants to work with me and I truly hope this complaint helps expose First Citizens Bank fraudulent review process. My new income has to be considered because based on my tax returns my XXXX is and continues to grow.

Company response to consumer: Closed with explanation