BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to XXXX XXXX XXXX ( XXXX XXXX XXXX ) NMLS ID : XXXX at Bank of America ( XXXX ) in XXXX, Delaware XX/XX/XXXX to get assistance with applying for a mortgage loan under their first time home buyer program. XXXX was very unprofessional in handling my application by failing to provide important information about my application and not communicating with me in a timely manner. XXXX took weeks before responding to multiples emails and phone calls from me and didn't have much of my application processed after waiting over a month to get a preapproval letter. The few times I was able to get a hold of XXXX, she stated she would give me a call back with more information about my application and what steps I would have to take next. I still have yet to hear anything back from XXXX and it is now XX/XX/XXXX. This has delayed the home buying process for me and caused me to waste almost two months of my precious time. I attempted to contact XXXX 's supervisor in XXXX and have not received a call back. I would really like someone to reach back out to me letting me know my concerns were at least heard and how they will be addressed. Thank you.

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 2016-07-25
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For several months I have attempted get an explanation or get compensated for what I think are a set of unfair events. These events caused me to loose my home which was subsequently destroyed by fire. Wells Fargo stated that my loan was sold to another company which would not accept verification of my address as a mail box. My utility service was on at my home but the mailing address is the XXXX. XXXX which Wells Fargo had in its file for over 7 years. The only item remain to be considered for a work out was verification of utility service. The bill clearly stated that service was established at the address of the home. The request for modification was denied for this reason. my home was sold.

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 2021-01-02
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: Old information reappears or never goes away

Complaint:
no response with old address and old jobs

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 2016-04-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been paid in a car loan with WellsFargo for over 4 and half years. I called Complaint Services and report the problems. No solution they do not even contact me. Therefore, I decided to escalate the situation.

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 2017-03-31
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Security Finance sent me a settlement letter in the mail stating that if I paid XXXX by XX/XX/2017 that they would consider my debt paid in full and notify each credit bureau that my debt was indeed paid in full and they failed to honor that agreement.

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 2016-12-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
This is regarding a Line of Credit with Wells Fargo Bank. My name was added to a XXXX line without my permission. I have contacted Wells Fargo regarding this and they are not able to provide any type of verification that I ever signed documents or applied for this line of credit. My husband had applied for a LOC, however I did not want additional debt to me added to my ability to pay. This is causing my credit score to be impacted.

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 2015-10-03
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX of 2015, I sent XXXX XXXX dollars to a friend of mine in XXXX ; that same day he tried to get the money, but was unable to get the money because they said that he needed to fax his picture ID, and when he tried to do so, they told him that the fax number was not correct. He was unable to get the money, then he tried again the following day but still he was n't able to get the money. On Wednesday I called Western Union and asked for my money back, they kept transferring me to a different person and later hung up on me. On XXXX XXXX I went to the place that represents Western Union and told me that my routing number did not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Under hard inquiries on my experian credit report, XXXX/XXXX is scheduled to be removed XX/XX/2021 with no specific date, just, XXXX XXXX.Requesting this Hard Inquiry to be removed

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 2015-08-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX of 2015 we closed on our house. We were told by the closing attorney that we had to come to closing with almost {$5000.00} over and above the loan payoff amount because, Bay View loan services, our mortgage lender said they wont prorate the loan past the XXXX of the month. So we effectively paid penalties of {$77.00} per day for the entire month of XXXX even though we sold the house on XXXX XXXX. I then received a letter from Bay View saying they received our payoff on the XXXX of XXXX and that we would be refunded our overpayment and our our escrow funds in the amount of {$4900.00} in 21 days. On XXXX XXXX, 28 days later, I called to see where our check was. They informed me that the address they had on file was wrong and the check had to be reissued. I said ok, corrected the address error and waited another 2 weeks. When I called back on the XXXX of XXXX, I was informed AGAIN that the address was still wrong and had not been corrected from the previous call. At that point I asked for a supervisor and was put on hold and then hung up on. My wife tried the same day and the same thing happened. I waited and called again on the XXXX of XXXX and was assured on that day that a new check had been issued and we should have it within the next 7-10 business days. On XXXX XXXX I called again because we still had not received the check, I was told that it was sent and to please be patient. I called them again today and finally got someone in customer service. They informed me that according to their records multiple emails had been sent to the department in charge of this and they had all gone unanswered! No check had ever been reissued! Which means everyone that I spoke with lied to us up until today. The customer service manager that I spoke with assured me that the matter was being looked into now and that I would hear something by the end of the week. We are now 72 days past closing. 
To make matters worse, when they gave me the amount that was to be paid back to us was wrong. 
In XXXX of 2015 we received notice that our current mortgage with XXXX was bought by Bay View Loan XXXX We made our XXXX 2015 payment to XXXX which in turn sent the check to Bay View XXXX who then cashed the check. You will notice the cancelled check in the documents sent. However, when our XXXX statement came from Bay View, it had not reflected the XXXX payment. So the payoff amount at the time given to the closing attorneys was wrong. This company owes us our escrow overage, the penalties for the month of XXXX and the XXXX principal and Interest payment. All totaling over {$8000.00}. 
My wife and I are at our wits end with this and are not sure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I went to a Western Union agent and sent money to my wife, I am in XXXX she is in XXXX After completing the transaction on my end my wife showed up presented her valid Photo Drivers license and they have refused to give her the money because they say they cant issue it because of her name is to common based on regulations issued by the XXXX, when I contacted them this is what they say we have to provide I am not comfortable sending ID information through XXXX XXXX & how can they guarantee it will remain secure. And how would the agent at the mom & pops store even know if I send it to WU and they do not have a computer or a screen on their register to even verify it is my wife.. here is what they have said on XXXX ... ... ... ... ... .To complete this transaction, Western Union will need to obtain and review a copy of the receiver 's government-issued photo ID, for example, a passport, driver 's license, or any other national ID and additional verbal details. 
The copy needs to include both sides of the ID, and any government-issued photo ID, from any country, is acceptable. The customer should also include their place of birth XXXX city and country XXXX if not listed on the ID, occupation and residential address. 
Please also make sure the following information for the receiver is filled out in XXXX in the message to Western Union : Full legal name of the receiver : City and Country of BirthDate of BirthID NumberID TypeIssuing country : ID Expiration DateResidential addressOccupation ( please specify position, or business area ) .... 

for me to get a refund They want this ... ... ... if the receiver is not able to provide the required ID, a Letter of Explanation ( " XXXX '' ) is needed to let us know why the customer is unable to provide ID. If the customer must pursue this option, the following information must be provided in the LOE by the sender : Content of Sender Letter of Explanation : o MTCNo Full legal name of the receivero Date Of Birth of the XXXX City and Country Of Birth of the receivero Relationship between sender and receivero Purpose of the XXXX Explanation why ID copy can not be providedo Occupation of the XXXX Address of the receivero Sender 's signatureproblem is she has a valid photo id, I explained to them that I am not comfortable sending this info to them after having problems with my Identity being used or taken ... .As a disable/retired U.S. Veteran I understand being secure but they are asking me to give information my bank does n't even have, nor do I provide anyone ..How is some of this relevant to a simple money transfer??? and also what does our birth information and occupation having anything to do with it..That information would n't be on her Photo driver 's license anyhow

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX were solicited by XXXX Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX XXXX sold my loan to XXXX XXXX 2. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX XXXX filed Lis Pendens/Forclosure 4. XXXX We offered XXXX to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, XXXX wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX XXXX sold their interest to BayView Loan Services that removed XXXX from pending lawsuit/forclosure proceedings and our motions against XXXX. 
7. XXXX to XXXX At not time has XXXX acted in good faith toward any form of equitable resolution. By way of example, see # 4 and # 5 above. 
8. XXXX XXXX sold their position to BayView Loan Serviced in XXXX. BV started by grossly overstating our loan balance. 
9. XXXX In XXXX place ( but not entirely we hope ) comes the new and continuing battle with BayView ... ... ... ... to be agressively investigated by CFPB we pray. 
With your help WE WILL NOT GIVE UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called trying to resolve my account with them and wanted to talk to the person that I last spoke with. They would n't have him call me back and wanted to transfer me to a supervisor. I hung up because I wanted to talk to the person I talked to last. They have called me back four times in the last 30 minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I overpaid my card by {$530.00}. On XX/XX/2019, I called Capitalone to have it refunded. They acknowledged the over payment and it was showing a credit balance on my card. They told me they have charged it back and it will take 3 -5 days to reflect on my account. On XX/XX/XXXX, I called to find out the status of my payment because it had not been reflected on my account. I asked what happened and the agent told me we have just sent your money today. 
I reminded them the terms and what they promised me on XXXX, also it was over 5 days and even as I write this complain I have not yet received the payment. 
This seems to be a violation of their own terms and what they told be. I was not happy with it and I told them I will file a complaint. That is the reason I am here

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company did not check with person living at the address associated with this collection they were given a deposit but did not give credit on the account for the deposit..A family member lived at the address and is no longer in contact with the family..I would like to receive confirmation from XXXX XXXX  that they took the deposit off the total of the bill and they didnt charge the proper price for the XXXX..They have a class action lawsuit against them regarding their XXXX prices i can not afford to pay this bill living on XXXX and if they could send proof of my identity they took before opening up the account that would be great a copy they have of my drivers license or social security card something they accepted when opening the account and a reason why the bill is so high for a few months..And give a complete from start date to end date..

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 2016-07-29
Company: Advance America, Cash Advance Centers, Inc.
State: OR
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
It started on Monday XXXX I received a message from my father 's ex-wife 's daughter frantically telling me a company was contacting her concerning a claim against me. The next day I get another message they called his ex wife and told her the same. Mind you they 've been divorce over 12 years. The same day I get a call from my mother claiming thw same thing. So I call and am advised I am being charged {$920.00} for a payday loan from Advance America from 2 years ago including interest and legal fees. I was told I would be taken to court and or arrested and possibly garnished if I did n't conform. The terms were 4 months at approximately XXXX monthly I obviosly do n't have that. So I told them I would call back because of not by XXXX that day they are going to take legal action against me. So I called back told them I can not make the payments I ca n't afford it. I was advised that can bring it down to {$110.00} per month. It was the only thing i could do to get them off my back and have them to stop calling and harassing my family. I can not afford these payments, if I made more money maybe I could. But I do n't and I ca n't make the payments at this time. I saw your company on tv and thought I 'd give it a try.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Quality Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I recently applied for credit and was denied due to bogus duplicate accounts on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been trying since XXXX to get Wells Fargo Bank to resolve an issue regarding a payment on my personal loan. The payment was made in a branch and was applied to my home equity loan account in error. 

I did not realize the error until I was contacted by the personal loan department to let me know that my payment was past due. 
When speaking with them, I looked at the receipt and realized the payment was applied to my home equity loan. 
The representative with Wells Fargo indicated that he would get with the home equity department and have the payment reversed and applied to the personal loan account. 


After this conversation, I monitored both accounts to see if the issue had been resolved, still no resolution. 
At this point, I contacted both the personal loan and home equity departments who promised the issue would be resolved. 
I even received a letter from a senior representative to let me know, the bank had resolved the issue an the bank was waiving the late charge that occurred on the loan. 


After the personal account was not updated and my account was 25 days past due, I made another payment to keep it from going over 30 days and being reported to the credit bureau. 
During this process, I have spoken to a representative from Wells Fargo 's home equity and personal loan departments at least once a week. 

After being so angry about this whole process and with no resolution in site, I decided to pay the loan off. I applied a payoff to the personal loan only to be contacted by Wells Fargo to let me know the payoff was short. 

I told them when they could get the payment that should have been posted to the loan applied, they could deduct the difference and send me a check for the balance. This was two weeks ago and the issue has still not been resolved.

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 2015-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation