BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The information associated with each electronic transaction is no longer enough to use for personal protection from fraud. For instance, an entry dated XXXX/XXXX/16 from my bank ( Wells Fargo ) that supposedly tells me what a debit card transaction was for, reads as follows : " PURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX MD XXXX CARD XXXX CATEGORY BOOKS/MAGAZINES/NEWS '' There is absolutely nothing in this entry that gives me a recognizable name of the business where the card was used. Further, I did not choose the category that was assigned. Nor is there a contact phone number, which used to be given as a matter of course. In other words, I have no way of checking whether this is a legitimate transaction or not. If I were to call the bank, which I have done on other occasions, they have no more information than is listed here. I have not disputed this entry because I remember that I purchased greeting cards on XXXX for a small amount of money. Greeting cards correspond to the assigned category, but the purchase was not in XXXX and there is no store name ( it was XXXX ), so I 'm really taking a leap of faith here. It 's not enough money to spend the time on disputing it. I 'm bringing it to you because it 's such a clear example of the problem I see. 

An entry that I did dispute last fall had the transaction categorized as a credit card payment to a company I did not have a credit card with. I eventually realized that the amount corresponded to an automatic transfer to a SAVINGS ACCOUNT at that company ( XXXX XXXX XXXX ). But Wells Fargo never was able to put that information together. I withdrew the dispute, but I was the one who figured it out, not them. Wells Fargo said they had no control over the information that came from XXXX XXXX. XXXX XXXX said they had no control over how Wells Fargo processed the information given to them. I wasted a lot of time on something that could have been a real problem, but obviously was n't if the correct facts were transferred from one bank to the other. 

I ca n't protect myself from fraud without facts. Do n't know if there are regulations associated with this issue, but if there are n't there should be. Please help!

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 2015-07-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a mortgage for over XXXX years, which admittedly was not fully understood by me of how it would work. It was Interest only. Now XXXX years later the monthly payment has increased nearly {$600.00} a month which is impossible for me to pay. The mortgage % rate is currently 5.5 % and I made inquiry with the lender to refinance at a lower rate so that I could make the payments. The response was that my credit rating was too low and I would not be granted a Refinance It was then suggested that a loan modification could be made. I have dutifully responded to the slow responses and requests from " modifications '' with seemingly deliberate stalling. All this is occurring while my mortgage payments that I can make are not applied and I receive threatening letters concerning additional late fees and warnings of foreclosure even as I am trying to find a way. 
The mortgage holder seems content to say my credit is too low to get a lower reasonable interest rate that I can pay in total, even as I as a taxpayer, helped provide funding for the availability of extremely low cost funds to lending institutions through the mortgage crisis. I concede that I was not fully understanding of the terms of the mortgage an the impact it would have later, but I wish to pay the loan off in good faith with some consideration for fair play an common sense. Failing to remove all penalties and lower my interest rate to market rates will force me to be foreclosed. I have paid in excess {$150000.00} in interest with no reduction of principal owed, so the only XXXX losing would be me. The original loan amount was {$260000.00} and now it is {$280000.00}. 
I am single, struggling to maintain a household despite the mounting expenses What I would like to see occur is simple and reasonable and is as follows:1 ) remove all penalties and interest on penalties that have accrued. 
2 ) Reduce my principal to the original amount of XXXX and reduced by what I have paid the last several months that have not been applied. 
3 ) Make a loan modification of using the adjusted principle and an at market favorable rate for a 30 year fixed mortgage ( it makes no sense that I should continue to be held to a higher interest rate, when a lower rate will allow me to be solvent and a good debt repayor ) 4 ) Retract any negative credit notations applied this year. 
The lender is indifferent and after researching, has had many complaints from honest people trying to make good & gt ; I would seriously have expected them XXXX quickly wish to engage me when I first notified them I ( and they ) are in peril. Please help to engage them in being reasonable. I helped bail them out via my tax dollars, now I need the assistance with a reasonable and achievable debt repayment plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. 

I have already sent, submitted a proof of ID to XXXX last year regarding another debt.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY PREVIOUS TRANSACTIONS THAT I HAVE MADE. ALSO NONE OF THESE WAS AUTHORIZED BY ME. I AM ASKING THAT A RE-INVESTIGATION AND REMOVAL OF THESE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE.

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 2015-03-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In a recent phone conversation on XX/XX/XXXX with Wells Fargo representatives, including the underwriter XXXX, and our XXXX XXXX XXXX representative, XXXX, it was stated that the reduced mortgage would be {$3000.00} with HOA fees included ; the current mortgage is {$3100.00}. This would give a reduction of {$18.00} which falls in the guidelines for XXXX 's XXXX, our Master Servicer. 
We are requesting assistance from the CEO or President area of Wells Fargo. We believe we were eligible on the XX/XX/XXXX modification request based on our calculations. We request a detailed explanation about how the underwriter determined his/her decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened up a private label credit card with Wells Fargo Bank for the XXXX. This account had a {$1400.00}. credit limit and was opened in XXXX 2013. 
Purchases were made on the card in XXXX and XXXX 2013. All payments were made on time, and the account was paid in full. 
I went to use the account in the last week and discovered that it was closed unilaterally by Well Fargo. This was without any prior notice, or without any negative action on my part. 
When I called them up, they told me that the account was closed due to XXXX months inactivity. 'I was informed that if I wanted to, I could re-apply for the card in person at XXXX of the XXXX XXXX locations. The closest location is XXXX minutes away from where I live, and there is no ability to apply online. 
There was no notice of this 18 month requirement in either the consumer credit agreement I signed, nor their current agreement. 
This has had an impact on my credit as it has reduced my available credit. 
I feel this was an arbitrary and capricious action on their part, as well as a poor customer service action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have case open # XXXX XXXX with your Consumer Financial Bayview and XXXX XXXX XXXX took over 4 years to modify the clients account, Bayview posted all trial payments on time with out any late fee into Suspense we complaint because Bayview had not posted payments and place in suspense. They recently posted the XXXX that was in suspense but, they charge late fees that client was never late during this time and balance after the XXXX plus went from {$360000.00} to {$350000.00} the payments have not been posted correctly need this matter resolve because Bayview has kept the payments on suspense four years and allocation is not done correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I went into First Virginia loans in an attempt to get a loan for about {$600.00} to get my A/C fixed during the hot summer months. I am a diabetic and extreme heat makes me feel very sick. My A/C wasnt working at all. They talked me into getting a larger loan and said that it would be paid off until 8 months but I had flexibility with the payments, but I dont. I have been paying {$850.00} per month for almost 2 years to try to pay this off because the interest rate is 150 %. I am NEVER going to be able to pay this off. I feel as though I am trapped and with my medical expenses for my XXXX and XXXX I feel I am stuck. I called the store to get help but they told me that I needed to call corporate, but corporate said that they cant help me because I am not in default. That 's is insane because I am trying to keep from getting into default. This is predatory lending at its finest! Once you borrow the money, you have to re-borrow forever just the be able to pay your normal expenses because of the unrealistic interest rate and monthly payments. This should be against the law. This is trapping consumers in a downward spiral.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Mark A. Kirkorsky, PC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Garnished my bank account over my ex-husbands debt. Never properly notified me of this garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to TD Bank, well one day my account went to - {$6.00} and they continued to allow small purchases ( {$5.00}, {$7.00}, etc ) so that they could then hit me with {$170.00} in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. The manager on duty told me that as a businessman I should have kept better track of my account. She pointed to my phone and told me that I had the mobile app and should have kept better track. She was rude and if I had not been leaving the bank I definitely would after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
There is three accounts that was previously with a different collection agency and it took a very long time to get resolved seeking financial assistance and i also called making sure it wo n't get on my credit report while they approve me and they agreed it would not and it finally got resolved and off my credit report. Now a different debt collection agency is trying to collect funds that is not owned and already resolved. I am so tired of these collection agencies either threatening me calling to much or not having accurate information no letters on file for notice. i never got a letter in the mail from Phoneix if i would have i would have been able to explain with them instead of taking the next protcal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been reported by TD Bank on XXXX XXXX,2015 and the information is inaccurate. I was offer an settlement offer on account ending # XXXX, in the amount of XXXX if paid by XXXX XXXX. I set-up XXXX payments to be withdrawn from an different account of {$37.00} which both payments has been satisfied by such date. I contacted TD Bank and explain to them that I was given an settlement to prevent further collections activity. I have spoken to several representatives regarding this matter and no resolution. I have been contacted by a manager and when I tried calling her back I have n't received a follow up called back from TD Bank. This account has been reported inaccurately. Please make necessary corrections. The account should be consider paid in full for the settlement amount I was offered {$74.00} ( +/- ). 

Also, I noticed on my report that account ending # XXXX has been reported for the incorrect amount owed at closing. The account was charged off with an outstanding balance owed {$450.00} ( +/- ) of which I have called the collections company to set-up payment arrangements. Please have amount corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I already have a complaint on file with TD bank for another issue .... 
Case number : XXXXNow after doing a 'bait & switch ' to counter-offer for a higher interest rateafter they said the appraisal was too low ... .we ask for another appraisaland we practically find the comps ourselves ... ..it comes in XXXX higherbut we are still denied despite our XXXX + credit scores and low debt thatbecause we live in a XXXX and older community or age-stricted that we are denied. 
This after XXXX weeks of back/forth and at least XXXX letters of conditional approval. 
First it appears to be age discrimination, second why would n't that be on their applicationprocess before wasting our time and theirs. Something smells fishy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: Creditors Bureau Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX 2016, I received a letter from the Creditors Bureau Associates of XXXX collecting payment for XXXX XXXX, account number XXXX ( XXXX Notice ). I contacted XXXX XXXX from the company and found out that the actual collection was for the XXXX XXXX of Georgia. I told XXXX XXXX that I will contact my insurance and investigate the issue. Since then I have relocated and do not have time to follow up with the status of the insurance company. On XXXX XXXX 2016, I received another letter from the Creditors Bureau Associates XXXX informing me that my past due account which is now XXXX, has been report to the Credit Bureaus XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My brother and sister and I had schedule to meet at the Key bank XXXX in XXXX, Ohio on XXXX XXXX, 2015 around XXXX My husband drove me to the bank. My brother was there when my husband and I showed up. My sister was a little late getting there so my brother and I greeted each other and he called my sister to see if she was on her way. XXXX when the bank opened, a banker came to unlock the doors. She went back in and another banker came to the door. My sister showed up about XXXX The XXXX of us greeted each other and proceeded to go into the bank. We were met at the door by XXXX the bankers. She told us the system was down and we would have to use the drive thru window. We told her we did n't need to use the drive up window. We told her that we needed to speak to someone about a loan modification. She told us we would have to call customer service and speak to them about getting a loan. We tried to tell her why we were there but she kept referring back to a customer service number and a loan. All of the conversation was taken place outside the door of the bank. My brother asked the banker why we were standing outside in the cold and not inside having this conversation. We were stopped at the door and told we could go to the bank in XXXX. We live in XXXX and we did n't need to talk to anyone about getting a loan but we needed to speak to someone about modifying a loan we already had with the bank. We never got a chance to tell this. Every time we tried the banker would say we can speak to customer service, and she told us to go to another bank. We were embarrassed and humiliated. The police were called and people were coming out of the bank looking at us as if we had stolen something. Women were rushing to their cars. Yes even though we were told the system was down everyone that was n't XXXX was able to go into the bank and do their normal banking. After we realized we were being discriminated against my sister used her cell phone to record the events. I told the banker, after she said she recognized my sister, that we are together and that we were siblings. She just looked at us as though we had done something to her. This situation was so embarrassing, plus it was cold I went back to the car to get warm. My sister was still trying to get information while still being told to go else where. I tried to explain to her that we were siblings. She said she recognized my sister but she still would n't allow us to come in and sit down and talk to her. Mean while other XXXX people were allowed to go into the bank and do their normal banking. People were leaving the bank in a hurry as if we were some kind of criminals. It was embarrassing and I had to keep my brother calm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a credit card that I didnt apply for. I called the company and told them about the issue and I was told that the account has been closed now and they will send closing paperwork and fraud information. We didnt give them any personal information and we were told to contact consumer financial protection bureau . I just want to make sure that this is reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RoundPoint Servicing employs fear mongering to trick customers to sign up for there electric statements. Lying about statement content in the process. 

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX : RoundPoint Servicing sent out a mass email and letter in which the company warned customers that full social security numbers are sent on all mailed year-end statement, and that account holders should protect themselves by signing up for online only statement. 

Direct quote from email below : " ENROLL TO PROTECT YOUR IDENTITY Did you know your full social security number is included on your year-end statement? 
Sign up to access your statement electronically to reduce the risk of fraud and identity theft that comes with receiving paper statements. '' Had this been true Roundpoint would have been literally advertising to the public where every RoundPoint 's customers social security number can be stolen from. They should be better stewards of there customers private information. There is no reason to send out any mass email that states where sensitive or confidential customer will be located and when it would be sent out. 

I digress, I did not immediately notice the email but later in the month when I received the mailed letter I become worried and signed up for the online statements. AFTER signing up for online statement Roundpoint informed me that my submission was too late and would go to into effect until next year ( XXXX ). After I signed up I was informed I could not go back to paper statements. 

When i received my year-end statement in XXXX XXXX my full social security number was NOT included. Instead only XXXX followed by the last XXXX of my social. 

RoundPoint was clearly employing fear mongering tactics to trick customers into signing up for there electric statements. Had the company honestly stated that only the last XXXX of my social would be included on year-end statement, I would not have signed up for electronic statements.

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