BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-16
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My son is a college student who acquired a credit card with Discover about a year ago. He attended a wedding ( out of town ) on XXXX XXXX. He had told me then that he would not be able to make the credit card payment on time. He really struggles to make his payments on time. I had no money so I advised him to pay it late as he always pays in a timely manner. On XXXX XXXX at XXXX my phone rings. Caller id discloses it is Discover Financial I do not answer. At XXXX the phone rings again. Discover Financial so I answer. The woman asks to speak with my son. I tell her he is a college student and is not home. Well she says she can speak with me, am I his spouse? No I answer, I am his mother. Well she says he is probably at work so what time can she reach him? I again explain he is in college and does not live here. I also ask her why she is calling me at XXXX as I am aware she is calling about his unpaid bill. How late is it I ask two or three days? I found out later from my son payment was 5 days late at that point and these people were calling at XXXX about it. I also inform the rep that I believe it is illegal for them to call me before XXXX. She assures me they start working at XXXX so it is OK. She understands how I feel! No I told her, not really - you issue credit cards to college students who struggle to pay them on time and then you call and harass them for money when they are two or three days late on their payments. I told her if she really understood how I feel she would leave the building because I felt like dropping a bomb on it! I also asked her to stop calling my phone as I pay the bill and my son lives at XXXX University. My son later also told me they have his cell phone number but never call it. The rep told me they have no other way of contacting him except my phone number. I replied " well you have plenty of time to call me at XXXX maybe you can use some of that time to hunt him down! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a text message at XXXX XXXX XXXX XXXX  alerting me about the XXXX in debt through Wells Fargo Text support for a XXXX. 

And had a website to click to approve funds. 
I didnt not click the website but the number is : XXXX I am scared someone has my phone number and applied for this without my knowledge or consent

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 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I booked a Hotel in XXXX for XXXX XXXX. On XX/XX/XXXX & XXXX of XXXX I attempted to reach XXXX through their online portal and was told I could not speak to a representative because my travel was more than 3 days away. On XX/XX/XXXX I contact my bank to start a dispute. The bank issued a temporary refund to my account. As i had only received a temporary refund, on XX/XX/XXXX & XXXX, I attempted to take measures to recoup some of my held funds through a price guarantee with XXXX, both being denied. Due to the temporary refund XXXX cancelled my reservation on XX/XX/XXXX. Then on XX/XX/XXXX my credit card company completed and posted payment for the reservation, charging me in full.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I spoke with Experian credit bureau in regards to a creditor reporting incorrect balance. I called the creditor XXXX on XX/XX/2020 to inform them that the balance of my loan should be {$0.00} and account should be closed. The creditor provided me with information that was reported to Experian credit bureau which was correct information. When I called Experian back the same day, I explained to Experian that the correct information was reported from the creditor. After explaining what information the creditor had told me, the Experian representative hung up on me when I told the representative that I don't know who's reporting wrong 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 explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I received my CapitalOne credit card statement with a XXXX XXXX of {$4600.00} due on XX/XX/XXXX. I forgot to make the payment on XX/XX/XXXX and instead the payment of {$4600.00} was made and posted to the account on XX/XX/XXXX. At the same time I called CapitalOne to apologize for the late payment and to request that they waive the late payment penalty and any interest charges which they agreed and posted a credit of {$38.00} and {$66.00}. At this point I thought everything was resolved. I always pay the balance in full and rarely make a late payment. 

On XX/XX/XXXX I received my CapitalOne credit card statement with a New Balance of {$11000.00} due on XX/XX/XXXX. I made the payment on XX/XX/XXXX in full and it posted to the account on XX/XX/XXXX. However, I was surprised to learn that there were additional interest charges to the account in the amount of {$72.00}. I called CapitalOne to complain and they refused to remove the charges. CapitalOne pointed out that on the back of the statement in fine print, under How Is The Interest Charge Determined, it says, " You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. '' This is a misleading statement, the " may '' should be replace with " will '' and the " generally '' should be removed. It should ready " You will owe Interest Charges ... '' and " ... you must pay your New Balance in full two ... '' Under the previous section, How Can I Avoid Paying Interest Charges?, CapitalOne never states how to avoid this situation. It reads, " If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. '' We paid the New Balance in full ( two days late ) and we were still charged interest on new balances. 

If we had known that CapitalOne was going to charge interest on new purchases we would not have used the credit card during that billing period in order to avoid paying interest. CapitalOne should have disclosed this under the section, How Can I Avoid Paying Interest Charges? 

We have asked CapitalOne to credit the interest charge and they have refused. In fact, their representatives are so poorly informed that they could not even tell us if we would continue to have interest charges applied if we pay the New Balance this month and so we have made a payment in excess of the New Balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Finance of America Holdings LLC
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for a Reverse Mortgage at Urban Financial Of America. Send in every document that was needed to complete the process. The loan officer XXXX XXXX mention to me.he did not know how to work on a purchase reverse mortgage but the company will complete in a.couple of weeks. This was the first week in XXXX. They waited the last minute to do the appraisal. The company asked me XXXX separate occasion for the same documents. I spoken to various levels of commands in the company still nothing. My identity was stolen 2 years ago.submitted the police report and other documentation of that incident. They were fine with that. I was told at 2 weeks ago that I had to pay for half of the appraisal. If I was told.in XXXX it would have been done in XXXXEverything Received the Good Faith Estimate in XXXX. I signed all documents and returned them. Conference calls up my Broker and Urban Financial Of America. UFA makes excuses at the last minute why they missed the call. 
I am a very frustrated consumer. I NEED your HELP. I do n't want to lose this property. I want settlement no later than Wednesday, XXXX XXXX I do n't want to loose this property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: USCB, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I discovered when I checked my credit files on XX/XX/XXXX an adverse collection action reported by Revsolve Inc. on behalf of XXXX XXXX for {$100.00}. This account does not exist. XXXX and XXXX reported the account was placed for collection XX/XX/XXXX. This information was first reported by XXXX XX/XX/XXXX, no information on when first reported by XXXX. I filed disputes on XX/XX/XXXX and the information was deleted from my credit report by XXXX the same day and by XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: RIA FINANCIAL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Dear Officer, I used Ria Money Transfer to transfer funds ( {$3000.00} ) to my overseas account from my XXXX  XXXX XXXX account on XXXX of XX/XX/2019. But my account got debited three times ( in total of {$9000.00} ) because of which, bank charged me overdraft fees. 

Ria money transfer did refund the additional debited amount but not the overdraft charges which were applied by the bank, despite of my repeated emails and their assurance that they would refund the overdraft charges. I got couple of email from them that they have initiated the refund process and i would get my refund. 

Then my bank account got debited again on XXXX of XX/XX/2019 with {$3000.00}. When I had not initiated any transaction using Ria Money Transfer. 

The initial order number for my transaction on XXXX XX/XX/2019 is XXXX and my account is registered with my email id : XXXX Pls let me know if you want any supporting documents regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Regarding Wells Fargo Mortgage I was injured at work on workers comp for several months. Unable to make mortgage payment. Granted forbearance for XXXX months. I inquired as to what would occur when I returned to work. Told I could resume payments and then they were modify the loan. Started payment on time and then they told me I had to make all missed payments with fees or thye would foreclose. I could not pay such a large sum but contained to make payments in full and on time. Continued to make payments then they started to send them back to me. They denied modification and have now started foreclosure. I have applied for and been denied modification numerous times, note most were denied saying I did not have enough income even though my income was the same and has now increased considerably over what it was when they wrote the original loan. I have complied with hundreds of requests for the same documents over and over and it appears the is a delay tactic so they can move forward with foreclosure seems to be a fraudulent tactic based on my research of other consumers in the same situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for home retention program as I am now XXXX and struggling financially. Select portfolio turned it down. The reasons are as follows 1. My credit rating. My debt to income ratio took a drastic change in XXXX and became XXXX on XX/XX/XXXX 2.It is  not in their best interest to help me. 
3. They overstated my income by XXXX This was a government funded program and my credit records do not come into play on this. The options they gave me was short sale or select third party for some reason. I am not late on my mortgage and never have been. I tried to obtain my equity, but due to my credit rating this was not allowed. My other problem with them is they refuse to accrue my homeowners insurance in escrow. Their reasoning is the homeowners association has blanket policy covering exterior of townhouse. My responsibility is to insurance everything from interior walls and everything inside. Flooring plumbing electrical and contents. They state the homeowners insurance I have had for XXXX yrs and XXXX months is an optional purchase. This to is causing additional duress as the insurance company will only accept XXXX payments to pay XXXX annual coverage. I don't know what to do. I can not let my home go. I can not live anywhere for the amount of my mortgage. I do have a right to appeal but from what I was told it won't do any good. I am XXXX years old and on XXXX. I can not work as I fell and XXXX both of my XXXX XXXX at same time and am pending XXXX   XXXX XXXX XXXX XXXX. I am totally at a loss for what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It 's been an ongoing problem with my bank Wells Fargo for a long time, the very selective way they have cleared charges just to asses another overdraft, assessing an overdraft because of an XXXX XXXX charge it is crazy! We are 7 days into XX/XX/XXXXand I have already been assessed 5 overdrafts it 's an impossible thing to overcome I fee like a hamster running on a wheel and getting no where, anytime I call any of their people they have very little remorse they are n't concerned that over the past year or two they have stolen many hundreds of dollars from me in overdraft fees

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 2020-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the XXXX  data breach. This has been a stressful experience for 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 2020-08-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We purchased a home in XX/XX/XXXX. The mortgage company was Lakeview Loan Servicing , LLC ( subservicing by XXXX ). We later refinanced with the same company to get a lower interest rate. We signed all the closed on XX/XX/XXXX, and began paying on our newly refinanced mortgage shortly thereafter. After several issues with billing ( incorrect amounts, unexplained late fees, misapplied escrow funds ), we decided to refinance with a completely different company just to get away from Lakeview/XXXX. We started that process in early XX/XX/XXXX. During the application, my new lender informed me there was no Record Release filed when the other loan closed on XX/XX/XXXX. It was suspected Lakeview/XXXX did not file the paperwork properly. This meant we could not continue with the refinancing until that document was filed. I called Lakeview/XXXX  on XX/XX/XXXX, to request a copy. I was given an internal email address and told to expect a response within 24 hours. I immediately emailed them and received an automated response with a ticket number. waited 48 hours with no response. I emailed them for a follow up. I received another automated response with a different ticket number. I called Lakeview/XXXX on XX/XX/XXXX, to get an update. They had no record of my emails. They said they had the file, would make an investigation request, then get back to me within 3 business days. After 5 business days with no response, I called again and requested a supervisor. The supervisor said there was no indication that Lakeview/XXXX   " sent the paperwork and the check to the county. '' So, technically, the loan was never properly closed by Lakeview/XXXX  back in XX/XX/XXXX. They said they would investigate and close it by XX/XX/XXXX. It was supposed to be filed no later than 60 days after signatures. That created a big problem for us because the rate lock for our refinance expires on XX/XX/XXXX. If the new mortgage company does not receive all the paperwork by XX/XX/XXXX, we will have to pay to get the rate lock extended, because Lakeview/XXXX failed to comply with the law and file the necessary paperwork and fees within 60 days of signature. We believe they should be held accountable for non-compliance with the 60 day filing rule and they should also be responsible for any extension fees we have to pay to extend our rate lock. We highly believe that, had we not decided to refinance with another company, Lakeview/XXXX still would not have processed the required documents and it would have been a complete mess when we decide to sell this property in the future.

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 2016-08-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was told Wells Fargo did not loan on XXXX. I asked for my approasal fee back on XXXX XXXX. I got several different answers as to when I would receive my money back. First supervisor told me 7-10 business days. On the 10th Business day I was told it had n't been formally denied so the refund could not be processed. I spoke to the supervisor 's supervisor and was told the loan was in underwriting and would be for at least another week. At that point they could start the 7-10 day process.

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 2017-02-15
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
MY FATHERS RESIDENCE AND THEY HARASS ME CONTINUALLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

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 2015-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
In trying to negotiate a payment plan on debt on a Wells Fargo credit card- and though I 'm still willing to pay the full amount of the debt, the representative consistently said that they could not advise how this would affect my credit. I insisted on knowing how a payment agreement would affect my credit prior to making a decision on whether to accept the terms, but they could not say how it would be reported. I feel I have the right to know before I agree to terms. And they said I could contact the Credit Bureau 's to ask them. But I know the reporting comes from the lending entity NOT the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: NAVY FEDERAL CREDIT UNION
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have requested in writing on 3 different occasions to not be called at work, as I am NOT allowed to make or receive personal calls at the office. They keep calling, and left a message with my supervisor. I do not wish to be fired because of these practices and have already been warned by my supervisor to not make or receive personal calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief