BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017, i made a payment to credit collection services on XX/XX/2017 in the amount of XXXX. Then i made a payment arrangement for the company to collect XXXX every month from my checking account. But as i looked at my bank account, the compsny doubled the payment and made two attempts to collect XXXX in XX/XX/XXXX and XX/XX/2017. I called credit collection services on XX/XX/2017 on the recorded line and I told the rep that they are deducting more than what i agreed to and that it made my account overdrawn. The rep looked in the notes and saw where the extra XXXX was coming out. And it showed in her record that only XXXX dollars supposed to come out and stated not XXXX was to come out my checking account. She stated the the company would reverse me the difference and have someone to call me Monday. But today is Tuesday and no one has called me, so i decided to file a compliant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX , XXXX ( XX/XX/XXXX XXXX XXXX ) After driving away with car we found that the passenger side window does not work, check engine light came on, air bag light came on, spring on the back side of the drivers seat exposed, we had to push it back in order for no one to get scratched ... signed a loan for over {$11000.00}, air conditioner does not work. I contacted Dealer on XXXX XXXX and I am still waiting for the repairs to be made. The dealership continues to put us off, does not return calls, passes me around to different point people. No one in the dealership seems able to take care of our concerns. Please can you help, we are running out of time for the lemon law to apply and I am in need of a vehicle for my family. Thank you for your attention to this matter. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Morgage sent me a letter urged me to sign up for an optional product called XXXX XXXX Accident Plan. I told them I did n't want it but they signed me up anyway without my knowledge. My statement from them has been the same for years except the changes in escrow so I generally don, t check it too closely but this month I did and found out the charge for the insurance I didn, t want.I am only now checking my statement more closely because of all the bad press Well 's is getting. Thankyou for going after these still fraudulent banks. 










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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 2016-07-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Major issue with Wells Fargo and their payment posting. 8 years into home ownership, starting with Wachovia, now it 's Wells Fargo. Due to circumstances, the lender placed insurance on the home - which was fine, that was just the way it had to be at the time. Per the bank, the only necessary/mandatory payment was the actual mortgage payment ( principal & interest ) - the insurance could be caught up at any time. So some months the insurance was made, but some months only the mortgage payment - BUT NEVER LATE, not once! Through the process, ultimately there was help from the Principal Reduction/Florida Hardest Hit Program - {$16000.00} to be posted directly to the principal balance ( figures provided by Wells Fargo ). After all the signing and everything was said and done - the numbers seemed wrong. Upon further inspection, it became evident that not only had the insurance payments not been posted to the insurance premiums, but the total awarded from the Hardest Hit Fund was NOT APPLIED to the principal balance - only about half was posted there. And through multiple calls and emails to Wells Fargo, their responses have been totally off point -- - they claim they ca n't re-post incorrect payments and they would have to retroactively add money to the principal amount with interest ( even though it was XXXX their mistake ) if they could re-post ; also claim that even though the paperwork plainly states the funds received were to go toward PRINCIPAL ONLY, they needed to pay off the insurance balance. Ultimately, the process of getting the principal to a manageable amount has been completely ruined by Wells Fargo and they are not willing to cooperate in any fashion. Is there any hope of getting anything done about this?

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 2016-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My Visa credit card was repeatedly charged after I authorized a single payment and even though the company rep originally apologized for the mistake, saying they would refund my money within 3-5 business days, I never received my refund and the rep no longer works there. I have filed numerous complaints with agencies and organizations but no one will help me get my money back. My last complaint was filed here earlier this month, Case number : XXXX, but I was recently sent the response " We reviewed your complaint and could n't send it to the company for a response ''. You had asked for additional information to the four months of credit card statements showing the charges on my card but since I was not the renter I did not have the rental documents and I am guessing that you chose to drop my case as opposed to investigating it. I just found my documentation from the XXXX complaint I had filed with detailed information on the company that I had lacked when I filed both of my previous complaints so I will submit a copy with this follow-up complaint in hopes of getting something done to get my money refunded to my credit card, plus the interest and fees that continue to increase that debt every month.

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 2019-05-11
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan has been sold 4 times, everytime I call they provide me different information. I have submited 3 packages for modification and the investor has denied every one of them. I have provided pay stubs and spreed sheets to prove I can afford to make my payment. I was capture in XXXX with my XXXX XXXX team I was dress as a civilian, I am a XXXX agent. They torture me and beat me every day. They dislocated  my two XXXX I had two XXXX they requested a ransom XXXX to let me go my family sold everything, my brothers and sistets put the rest of the money to pay the ransom. I was captured XX/XX/2017 for 9 months. After came back I had a XXXX XXXX. That's why I am 26 months behind. I started a technical consulting company XX/XX/XXXX and producing income. However Shellpoint and this investor dont want to help us to get a modification. Even when they are seen my income. We dont have nowhere to go my baby daughter just had a XXXX in her two XXXX  the recovery will take 7 months and then therapy. 
Please help us save our home I have gave my life for country now I need my country to help me. I have a derail hardship letter, badge and deployment orders 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 2015-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I opened a Home Equity Line of Credit in 2005 with Wells Fargo Bank. This is the bank we have our mortgage, checking accounts ( personal & business ) and saving accounts. Upon opening this account, we knew it was a variable interest account, we stated we wanted the payments to be withdrawn from the business account, and signed a form asking Wells Fargo to take out up to $ XXXX/month applying the appropriate amount to the interest & the balance to the principal. Advancing 10 years, we NEVER thought we would use the entire amount, however, we needed the money to keep our small manufacturing business open. XX/XX/XXXX, we started getting letters from Wells Fargo about the Equity Line of Credit " Pay Back ''. Quite frankly, since we felt we had been paying it back ( a little at a time ) we ignored the letters a bit. We were very shocked to find for the passed 10 years we have paying INTEREST ONLY on this XXXX loan. Wells Fargo denies ever seeing the form, and says we agreed to the interest to the interest only terms. We trusted our bank when we made the initial agreement that they would honor the initial terms, and would n't change them. We would never agree to an Interest Only Loan, even though times were tough. To make matters worse, we are in the same situation as every other home owner in California. In 2005 Wells Fargo stated our home was worth {$800000.00} ( however we did not have an appraisal ), and later we were called and asked if we wanted to take more out on our home equity line? Fortunately, we did not! Ten years later, my husband and I are in XXXX. old, and owe {$400000.00} on our home that we have lived in for 25 years!! We feel as if Wells Fargo pulled a fast one on us while we were struggling to keep our small business going, pay for our XXXX daughter and her medical bills, plus help our son with college debt. This is just a nightmare. I do n't know where to turn, and do n't know if it is that we were just too overwrought with stress to not read the contract correctly, or if Wells Fargo is somewhat responsible. We have tried to work with them for the passed 6 months, however it got to the point that not paying the extra $ XXXX/month they were requiring was going to ruin our credit. I just feel they should forgive some of the debt since they have enjoyed 10 years of interest only payments with no money going toward paying down the interest. If they had honored the original agreement we would owe about {$80000.00} less. Is there anything we can do about this situation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We financed our home with Wells Fargo in 2007 for a 30 year fixed rate term. We made payments for nearly 10 years, our starting balance was a {$150.00} our current balance is {$150.00}. Our total payments to date are {$120.00} and only {$4.00} is on principal. How can that be?

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 2015-04-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I refinance my house note as I was doing it payment stop. once the refinance was completed the payment was place on the back of the note. Wells Forgo still reported it on my credit report as not paid and will not remove it. now I have XXXX miss payment on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Making payments on time to Well Fargo. XXXX completed a credit check and determined that our account should be closed, so Wells Fargo closed it. 

I am working to keep our credit as good as possible, although we are having trouble. I paid this bill one time each month and now get to pay a bill to a closed account. Very discouraging and hope to never have to deal with Wells Fargo in future once this is paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Blitt and Gaines, P.C.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was informed by a family member that there was a lawsuit filed against me by XXXX XXXX trying to collect money from me on an account that first off is currently being disputed, which they should t be trying to collect during this time. XXXX XXXX has been given all the proper documents and evidence to prove that I was incompetent at the time of opening the line of credit an led it was performed by an assigned fiduciary that was in control of all financial affairs. On the legal documents it states I was not incompetent in which I have shown them and the CFPB otherwise. I have filed an ID theft report affidavit under oath and sent it along with a request for a credit block to all three CRAs with zero success. All they do is the same procedure as for a dispute not what they are supposed to do by law. These credit collection techniques they have been using and laws they are refusing to follow are pulling myself and family through enough emotion and self despair and trauma. I have again attached document to this complaint in hopes that someone will take this seriously and help me with this issue Ive been dealing with that just keeps ruining my life and credit even more Avery day of my life. First they theft of ID from a fiduciary assigned due to incompetency, then abusive techniques performed by the CRAs and creditors/collectors for things I have no control. over while incompetent and being treated after discharge from the military. Please someone go after the old fiduciary and not me for these things for once and give me the relief I deserve instead of these illegally filed lawsuits with false statements and lies on them that they get away with all the time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I just realized I 've been charged for years for a monthly add on package service which allows for free money orders and cashier 's checks. It would have been more advantageous to pay for the service as needed. On several occasions when I 've called for other issues Wells Fargo has taken the opportunity to offer available services ... .never addressing me not getting the full benefit of the add on an suggesting removal. I find it disappointing Wells Fargo offered NO compensation for years of oversight. They just stated my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In 2008 I was approved for a {$20000.00} private student loan, even though I was XXXX and had no credit. After taking over 7+ years to obtain my undergraduate degree, this loan accrued over {$20000.00} in interest, on top of the principle. The loan has since been " sold '' to Wells Fargo and they want me to pay {$400.00} a month on this loan. That 's almost 20 % of my monthly income and does even include XXXX other student loans I am paying on. I ca n't consolidate my student loans, because my credit is awful. At this point the only thing they can do is extend the term of the loan, which will only result in more interest. I feel completely taken advantage of and I need help setting up a payment that is reasonable for me. My federal Loans are currently on an income based repayment plan and I only have to pay {$36.00} a month. Please help me

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 2016-07-06
Company: Windham Professionals, Inc.
State: MS
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was XXXX for 4 years and once I was released I tried to set up a payment plan but was told that i could not and would be sued, wages garnished etc. 
When they would call, my mother told them that I was in jail and tried to make arrangements to make payments for me but they could not give her any 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 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital One is not allowing me to complete a request to do a charge back. I dont think I have ever done a charge back but I bought a bracelet with a warranty and the company is not sending a return label to return the bracelet. 
It is not the quality promised. 
I have XXXX days to return. 
I work nights/graveyard and its very difficult for me to sit on hold for an hour to deal with Capital One. 
I sleep during the day and wake up only to eat quickly. 
This is very frustrating as the company wont assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking and savings account in XXXX XXXX with a promotion to receive {$300.00} for qualifying actions. I fulfilled these actions and the bonus was to be awarded within 90 days of qualifying. On XXXX XXXX, XXXX I contacted Bank of America and spoke with XXXX XXXX XXXX to inquire as to the status of the promotion and was advised that I would receive the incentive within 10-14 days. When I did not receive it I followed up on another 2 occasions within the next month or so. I was told that it would be escalated and should post within a week from those conversations. On XXXX XXXX, XXXX I was notified on my 4th call that it turned out that I did not qualify. I requested from XXXX ( name of manager I spoke with ) that it be escalated again to be reviewed since I was actually notified by XXXX separate representatives previously that I had qualified. I was told I would hear back within 30 days. I never heard back. On many of these calls, I waited for a supervisor to be brought on the line, and was also promised a call back from either the original representative or the supervisor him or herself within an arranged time frame. No one ever called. Furthermore, messages sent internally ( on follow up calls ) from XXXX representative to the original representative I spoke with remained unanswered and no follow up was ever done contrary to the promises provided. I received a notice via postal mail dated XXXX XXXX, XXXX that it was once again escalated and I would be notified in writing. I called again on XXXX XXXX, XXXX ( following 30 days of no response ) and in this call the supervisor I spoke with acknowledged the ongoing issue and guaranteed that I would receive the bonus and that it was just a matter of time. On XXXX XXXX, XXXX after not hearing back at all, I called once again only to be told that my escalation request was denied again for the same reasons that it was originally denied for : I did not qualify. However, the representative credited my account for {$50.00} for the promises that were unkept and my time that was wasted. I informed the representative that after they delivered what was promised to me by them, as an additional compensation, I would gladly accept those {$50.00}. I was strung along and promised things that could not or would not be delivered. My time was wasted. I was lied to or misinformed on multiple occasions. I contacted the bank at least 6 times over 4 months and yet this issue remains unresolved to my satisfaction.

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 2016-05-18
Company: RIA FINANCIAL
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2016 I contracted with Walmart stores of XXXX XXXX. Florida to transfer {$270.00} to my son XXXX XXXX. I paid turned over to Walmart {$280.00} which include the transfer funds and a transfer fee ( consideration ). Upon presenting the assigned tracking number and a Florida State drivers license, my son was denied the distributions of the promnised funds for no apparent reason except Walmart 's exercise of it 's assumed right to decide which contracts to honor and which ones to ignore possibly at the detrament of the designated receiver of the funds. The funds and contract fee were returned to me by Walmart the following day ( see attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
An auto-dialer operated by or on behalf of Capital One Bank calls my home XXXX to XXXX times a day looking to speak to my mother, XXXX XXXX. She no longer is reachable at this number and I called Cap One XXXX to ask that they stop the calls to XXXX. Both times I asked to speak to a member of their Compliance Department and both times the request was denied. All I get is their standard " talk off '' along the lines of " it could take XXXX hours for your number to get removed from our auto dialer ''. The calls keep coming and this bank is stalking and harassing me. For the CFPB 's reference, please note that the callback number that their robocaller " XXXX '' asks for a return call at is XXXX. This is the number I called XXXX to ask that they calls stop.

Company response to consumer: Closed with explanation