BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My wife and I acquired a " mortgage '' loan from Wachovia in XXXX XXXX. In XXXX, we found out that our mortgage agent ( XXXX XXXX XXXX ) was arrested and charged by the FBI for mortgage fraud. 
XXXXXXXXRecently, I went back to view and calculate our mortgage payments and found out that this loan is not like your traditional loan and we have been paying ridiculous interest charges for almost 8 years. 
This is a loan that pays on principal and interest ; however, interest accrues daily. Here are the issues. 
- XXXX XXXX, we had and still have great credit. Per the Wachovia loan officer, this loan was similar to a VA loan but " less paperwork ''. We got a mortgage loan for in the branch office with this agent ( she was the closer to ). We also got an equity loan on the same day. She pushed this loan into our lap. Home appraisal was at more than what we borrowed. Plenty of equity to get a VA loan with favorable terms for us. This loan is no longer available and there was know real estate attorney involved. 
- XXXX my wife requested a copy of the appraisal. Per the mortgage agent " file was thrown away '' - XXXX We have XXXX auto loans, XXXX checking accounts, XXXX different mortgages at Wells Fargo and no one will assist us with fixing the loan which they did not follow the law. After researching, we feel that they have violated the Home Ownership and Equity Protection Act of XXXX. This loan is no longer available ; hence, a type of predatory loan. I was told that the loan is an entire home equity loan. The front of the mortgage states that the payments are for 360 months. I just made a payment and our entire amount went to interest. So the 360 months is not true. As this is definitely deceptive and unfair, this violates the law. 
- As a veteran, as she knew, we should have been offered a VA loan or other loans with sensible financial terms and not this predatory loan which was sold to us from a crooked mortgage agent who lied to us. Now, we also think that we had a fraudulent appraisal. 
I have requested Wells Fargo to do their due diligence and go back and review our files. They are not willing to assist nor do they care. We are not looking for a bail out but expect them to be held accountable and fix which was done illegally. 
Thank you for your time,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied the CITI double cash credit card in XX/XX/2019, have not heard any decisions on my application by XX/XX/2019.

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 2020-01-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
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:
Cash Central responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recieved a letter in the mail that I'm owed CCS {$650.00}. Now I sent in a dispute letter to which I've gotten back no response. I've asked for validation to prove this account is mine. No copy Assignment clause, Notarized letter of debt purchase, Signed contract from original creditor and also proof to collect in my state of NJ. Now this is unacceptable. I need them to send me everything I asked for and not a copy of a bill that is not proof. As per the fair credit reporting act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Wells Fargo Home Morgage is sending me Certified Letters referring to " my loan '' that is in default for a home loan I never entered into. My spouse refinanced a home loan in XX/XX/XXXX and I was never on the application, never signed and never entered into any financial obligation with Wells Fargo. Since my spouse had this debt discharged in bankruptcy in XX/XX/XXXX, Wells Fargo Home Mortgage is attempting to collect from me. THIS IS NOT MY DEBT. I never signed any Promissory Note, loan application or other loan documents. I also completed a Quit Claim Deed in XX/XX/XXXX in which I released/conveyed any legal interesest in the property. Wells Fargo Home Mortgage should not be sending me any correspondence and I should not even be involved as I am not an owner and NEVER participated in, not signed any loan documents. This is not my debt. They are threatening to take action and I do not have funds to hire attorneys. They know this is not legally my debt and they know I am not an owner of this property. They have ignored correspondence reminding them of this. I need help to have them stop harassing me for a debt that is not mine. Wells Fargo is known for deceptive and unethical business practices as evidenced by court cases involving this. I have many medical issues and unable to work and therefore, am not able to deal with being illegally harassed for debt that has never been my debt and for issues regarding a property for which they known I am not an owner. Please help me stop the harassment by and unethical, illegal practices by Wells Fargo Home Mortgage. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold a home in XXXX wisconsin in XX/XX/XXXX. The home was at XXXX XXXX wisconsin XXXX. My morgage company Freedom mortgage Loan # XXXX. At closing I paid the taxes due then shortly after that my morgage company paid them too. The town of XXXX sent the check back to the morgage company XXXX XXXX. I have given them proof that taxes were paid and I have given them proof that XXXX XXXX sent their check back after more then 30 calls to them and over two months I have not recieved my escrow from them. their number is XXXX. My phone number and address is XXXX XXXX XXXX XXXX wisconsin XXXX my phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I. And with BB & T. Thursday XX/XX/XXXX, my balance in my checking account was XXXX. Next day Friday, XX/XX/XXXX, I made 3 deposits, XXXX, XXXX, XXXX. Wednesday XX/XX/XXXX, I go into my checking account and balance is XXXX they also show that on XX/XX/XXXX, they have pending transactions for overdraft charge of XXXX and XXXX fee taken out of ssving and put in checking even though I have funds in my account to cover the cost. I called my bank and they claim that even though funds are showing in my account on the XX/XX/XXXX, and I have proof with pictures that those funds are showing on that date, they claim that it did n't post until later. Even though it shows on my account that it had.

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 2020-04-21
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened a discover account ( XXXX ) with a XXXX dollar credit limit.I have used this card many times and payed it off many times.My last payment was on XX/XX/XXXX, paying off card.From XXXX, I havent used the card for any purchases and kept it for future use.On XX/XX/XXXX, I woke up with an email from Discover saying that my account was closed for : Inactivity on your account ( s ) Serious delinquency Proportion of loan balances to loan amounts is too high Also, it states in that email the key factors are : 1. serious Delinquency 2. Proportion of loan Balances to loan amount is to high 3. length of time 4. Too few accounts currently paid as agreed 5.Number of credit inquires on credit bureau I disagreed with all these key factors and why it was closed.I feel these key factors and why they closed the account is a lie.I believe its because of the current coronavirus pandemic and discover is closing many accounts.I have other credit cards with other companies, that i paid off on XX/XX/XXXX and they didnt close my account ( s ) .I know credit card companies can close accounts at anytime.Also, in my XXXX  credit report dated XX/XX/XXXX file number XXXX, my credit score is way over 700.In the discover email dated XX/XX/XXXX, it states my credit score is XXXX.That score is false discorver provided.I called discover on XX/XX/XXXX at XXXX and spoke with XXXXShe stated my credit card was closed because of Inactivity on account.I asked XXXX to reinstate my card and XXXX stated i will have to re-apply.I asked XXXX, if this account was closed because of the Pandemic and she would not responsd to that question.XXXX  also stated to contact XXXX  if i have any concerns about my credit report and discover email.I totally disagree with discover closing my account.I believe Discover treated me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was previously being serviced by Seterus Inc up until about XX/XX/XXXX when the mortgage was transferred to Mr Cooper Mortgage. The problem is during this transfer, I was in the middle of doing a loan modification on my loan. On XX/XX/XXXX I set up 3 payments per Seterus to be ACH drafted from my account XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX for the monthly trial payments as per Seterus Inc direction. My first two payments were applied correctly and then the third was not and a portion of the modification payment went into an " unapplied funds '' account with Mr Cooper. Mr Cooper did not keep in place the loan modification agreement that I was already in. Mr Cooper has violated many mortgage lending laws in one reporting me delinquent  during this transfer period and two, they did not and would not honor the modification already in process. They would not allow me to go into another modifcation agreement since they said I did not complete the first one in which I clearly did and have banking records to prove. Mr Cooper stopped my already in place modification not me. I fought with them back and forth throughout XX/XX/XXXX trying to get my already set modification back into place since I had made all of the required payments but Mr Cooper refused any assistance. After 6 months of back and forth I finally paid over  {$49000.00} to bring my loan current and cover between $ 7- $ 8k in fees that Mr Cooper added to my account. I feel that Mr Cooper forced me into having to pay all of these fees as they would not honor the modification alreay approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took a loan out with Santander in XX/XX/XXXX. I was co-signer to my mother in-law. I had the car until XX/XX/XXXX. I stopped making payments in XX/XX/XXXX. My mother in law past away due to XXXX. I spoke to them three years ago because the amount reported paid on my credit report compared to five years of payments is incorrect. On my report it shows I only paid {$3000.00}. When my payment were {$520.00} I made 58 payments on the account. I paid over {$30000.00} on a {$16000.00} car. ( XXXX XXXX XXXX ). When I spoke to them three years ago they said the repossession would be removed from my credit XX/XX/XXXX. It has not. So my issue is they reported to my credit that I paid 10 % of what I actually paid and that its been 7 years since my last payment and the file is still being reported on my credit. Also in the report it states my last payment to them was XX/XX/XXXX. Which is completely incorrect. It was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Freedom Mortgage Company
State: ND
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was sold to Freedom Mortgage on XXXX XXXX, XXXX. I was notified in mid XXXX. Upon notification I called Freedom Mortgage to request that they pay my XXXX RE taxes from my escrow balance before XXXX XXXX so I would be able to deduct the payment on my XXXX tax return. They said they would not do it. I made several attempt to resolve this and finally was told my a supervisor named XXXX XXXX that if I personally paid my taxes that an escrow analysis would be performed upon confirmation from XXXX XXXX that the taxes have been paid and the funds would then be paid to me ; reimbursement by my escrow account held by Freedom Mortgage. I was concerned that I would not be reimbursed for many months but was assured by XXXX that the analysis would be performed promptly upon confirmation that my taxes were paid. This was late XXXX and I personally paid my taxes. XXXX would not give me her direct number or extension which I requested. I attempted to contact her by asking for her by name going through the customer service number. I was able to get through to her voice mail once and left her a message. XXXX did call me back and left me a voice mail but did not leave any information as to the status of my situation. I have XXXX other attempts to contact her and was refused by the agents to get transferred to her or her voice mail. I was told my XXXX of the agents that I would get a call back the next day regarding my situation. The call was never received. I called again today and again they refuse to transfer me to XXXX and that an escrow analysis would not be performed because Freedom Mortgage paid my RE taxes in early XXXX. So, a reimbursement would not be possible. Repeated requests to speak to XXXX were refused. The agent I am speaking to, as I write this, was able to get in contact with here while I was on hold but refused to transfer me to her or her voice mail. Horrible customer service experience as well as not following through with what they told me they were going to do. I am now at a loss as to how to resolve this. So, a timely reimbursement of my funds is now not an option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: United Acceptance Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have been fighting with XXXX XXXX/united acceptance for years and i am not getting anywhere. These cars were paid off and yet the score is incorrect. I also years ago was part of the civil lawsuit where information was being reported incorrect. They have it on here double and this is wrong i have reached out so many times and i need this to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i never was late with my credit card

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 2015-10-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I went to my local bank and deposited a {$350.00} check into the ATM and it gave me a receipt. The following day my card continued to decline transactions. I phone the bank several times about the missing deposit. I was told that I attempted to make a deposit, but nothing cleared. I was angry because no one from the bank called or emailed to say the was a error in my account and that it was not reconciled by end of day. I started a investigation and was told around XXXX that the teller was watching my account and she saw what looked like a pending {$350.00} transaction, so I went home. This morning XXXX XXXX, the funds were still missing. I need my money now. They said they have to investigate in case there is fraud, meaning me I assume. The fact is, the ATM ate my check at my bank and I am sure I am on camera making this transaction. I want my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Below is an email I just sent to Freedom Mortgage. My loan number is XXXX. I just received a letter from Freedom Mortgage that said my monthly payment is increasing from {$1100.00} to {$1400.00} in XX/XX/XXXX. The reason my mortgage payment is going up is these idiots believe that my city taxes for XXXX are going to be {$5200.00} ( {$2400.00} in XX/XX/XXXX, and {$2700.00} in XXXX XXXX ). I just spoke with the treasury office in XXXX, and my property taxes for XXXX are {$2900.00} and paid in XXXX XXXX only. Nothing is due in XXXX XXXX. I have a copy of my tax bill for XXXX and forwarded it to Freedom Mortgage. 

Please help, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX Hi, Please see attached city tax bill from the city of XXXX, Michigan. My XXXX XXXX escrow payment is increasing from {$400.00} to {$600.00}. This is increasing my monthly payment from {$1100.00} to {$1300.00}. 

From the Escrow Account Disclosure Statement, freedom mortgage is going to pay city taxes to XXXX on XXXX XXXX in the amount of {$2400.00} and in XXXX XXXX in the amount of {$2700.00} for a combined amount of {$5200.00} This is incorrect. My city taxes for XXXX for XXXX are {$2900.00}. Freedom Mortgage is overcharging my escrow tax account by {$2200.00}! 

This has been the second time Freedom Mortgage has been incorrect with tax information. First, my XXXX taxes were not paid until XXXX XXXX, and they were due in XXXX XXXX. 

This better be solved within the next week. I am filing a complaint with the Consumers Financial Protection Bureau. This is gross negligence. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # # #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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