BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
WE RECEIVED OUR HOMEOWNERS INSURANCE RENEWAL STATEMMENT XXXX XXXX TODAY AND NOTICED THAT WELLS FARGO HOME MORTGAGE PALCED A LEIN ON OUR POLICY. HOWEVER, WE DO NOT HAVE ANY ACOUNTS WITH THEM. WE DID APPLY FOR A MORTGAGE FOR A DIFFERENT ADDRESS, BUT WAS DENIED. XXXX XXXX FILED PAPERWORK ON XXXX XXXX TO PLACE THIS LEIN. SINCE WE WERE DENIED THE LOAN I WOULD THINK IT GOOD FOR WELLS FARGO MORTGAGE TO MAKE IT THEIR PRACTICE TO MAKE SURE THEY HAVE DONE NO ADDITIONAL HARM TO THEIR APPLICANTS AND DOUBLE CHECK MAKING SURE THEY HAVE N'T INFRINGED ON APPLICANTS.

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 2016-09-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My wife purchased a drink at XXXX XXXX on XXXX/XXXX/16. Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. EXACTLY XXXX minutes later an online charge of {$310.00} was made to XXXX XXXX, and an online charge of {$1100.00} was made to XXXX in XXXX and another online charge of {$320.00} made to XXXX XXXX was Declined by Wells Fargo. So it appears that 15 minutes after my wife purchased a Smoothie there were XXXX online charges made Fraudulently by a store employee who skimmed my credit card number. I have active Fraud cases open with Wells Fargo for these charges. She returned home immediately after buying the Smoothie so there was no other store purchases by her or myself. I was at work. I do not know who attempted these purchases. I assume they are female because of the XXXX XXXX purchases. So I am unable to provide the information requested above for the name of the person who committed this crime. I want to be refunded {$310.00} back to my card. I myself contacted XXXX to stop the {$1100.00} charge. Wells Fargo is saying they will not refund the {$310.00} because they show it was delivered to my address. It was not. 4 times a year this stuff shows up on 60 minutes where they get tracking info and wait for XXXX to deliver while you are at work.. Anybody can get any address from the name on your CC in 2 minutes from 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 2021-01-14
Company: Insikt, 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: Account status incorrect

Complaint:
Paid in full the account with aura financial, called they said they could not help do to that they made a transaction with the company ... aura  Doesnt exist anymore now its ( XXXX  ) ....

Company response to consumer: Untimely response
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I took out a home project loan via a credit card at Wells Fargo, my normal banking institution. This was about 4 and a half years ago. It was a zero interest card as long as I made monthly payments and was not late. Well with three payments left, I get a new card in the mail and my old account showed as cancelled online. I called and they said that the automatic bill pay service was not active like it was on the old account, so I had to make a manual payment to avoid late fees and cancellation of my promotional interest rate. I did that, and then they proceed to take the original payment out as well. I am irate because I spoke with them about this beforehand and now they are holding on to more of my money that I do n't have access to. Very shady business practices.

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 2021-01-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD Beyond Checking account on XX/XX/XXXX. They advertised customers can earn {$300.00} sign-up bonus with {$2500.00} direct deposit in 60 days. In terms of eligibility, they clearly stated the below in the Promotion Disclosure section ( screenshot attached ) : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I completed the criteria on XX/XX/XXXX yet still no bonus, so I approached TD Bank. They replied I was ineligible for this bonus because I had a checking account with them back in XXXX - which clearly contradicts with their disclosure term of the " preceding 12 months ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I made a purchase through PayPal which I expected to go onto my regular credit card like all of my prior usages of PayPal, but instead I was given a PayPal Credit account. Also, a monthly payment I had begun to XXXX XXXX was billed to this PayPal Credit account ( the following month, and ever since, this XXXX fee has been correctly billed to my credit card ). When I received the first notice that I had a PayPal Credit account, I immediately wrote PayPal that I did not want such an account ; they replied by telling me what a wonderful account it was. I was then out of the country for 6 months. Upon my return, I find that original purchase of {$6.00} ( plus the XXXX charge of {$21.00} which was wrongly billed to this account ) is now considered to be a debt of {$170.00} and has been turned over to a collection agency. I called PayPal and they said that there was nothing they could do. They are deceitful crooks. I refuse to condone this obscene usury and will never pay these fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07
Company: Paypal Holdings, Inc
State: OK
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I made XXXX one-time purchases for digital products through XXXX app using Paypal. My payment method at Paypal for " store purchases '' was set to XXXX, but " subscriptions '' was set to my checking account. What happened is that my one-time purchases through the XXXX were charged as subscriptions, resulting in XXXX NSF fees on my checking account. Paypal then attempted a second round of ACH transfers for the same XXXX charges, resulting in another XXXX NSF fees for a total of XXXX NSF fees. 

Paypal provided a " bank letter '' stating that the ACH drafts were unintentional, but the bank ( XXXX ) would only remove XXXX of XXXX fees. Paypal would not accept responsibility for processing the one-time store purchases as " subscriptions '' and would not refund the remaining XXXX fees, but they gave me credit for XXXX as a courtesy. 

The issue here is that XXXX is billing one-time store purchases as " subscriptions or automatic payments, '' and Paypal is aware of the issue but does nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accounts Account Name Account Type Open Date Status Balance CREDITACPT Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name CREDITACPT Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a private student loan go to collections after attending college at XXXX University in Ohio. After school I was not able to keep up with the payments after finding an entry level job. Once in collections I made an agreement with the help of an attorney to settle the debt. I made all applicable payments as indicated by the attached documentation, however, the debt collection company then forwarded my file to another debt collection company who I now have to battle with to show that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed approx 5000.00 dollars from rise credit. I paid a lot of it back but then had problems paying. I contacted a pay day loan negotiator service XXXX XXXX XXXX XXXX. I paid them several thousand dollars to help negotiate with Rise Credit. There were trying to negotiate a settlement with Rise credit but was not able to so I stopped paying them too. I borrowed approx 5000 and rise has reported to credit bureau I owe them XXXX! I tried to dispute it via XXXX  disputes process but it remains on my credit report. Charging a fee of of double I borrowed that is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/XXXX. SPS spent 3 months using purposeful miscommunication and 'misplacing ' documents as a way to delay decisioning on the file in an attempt to defraud their investor in order to collect their 'double-fee ' for servicing a defaulted loan. 

On XXXX we were told the value came back at XXXX and refused to give a counter amount. 

On XXXX we sent a counter offer and contractor bids for the value dispute. 

On XXXX SPS decided they will no longer accept contractor bids for the value dispute and they require a BPO or appraisal for value disputes. 

SPS then started their second round of delaying tactics - purposeful miscommunication and 'misplacing ' documents. Requesting XXXX version of a form, and then the next week requiring something different. They also started requesting documents that had been sent to them over 4 months prior. 

These delay tactics have been going on for FOUR MONTHS. 
Today, we found out that the file was closed out on XXXX/XXXX/XXXX. NO ONE INFORMED US WHEN WE TALKED TO THEM ON XXXX/XXXX/XXXX. 

This is nothing but gross incompetence and delay tactics on SPS 's part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was with XXXX but they sold it in XX/XX/2013, was told they sold it to XXXX then XXXX and now SPS. Nobody can prove or show me paper work that they own my mortage. I pay SPS every month but when I call to get any documents they never send them to me. I have requested the Doc 's numerous times, even tried online but it says I have to call. Nobody can prove they hold my note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had to retired from federal job due to XXXX problems current loan is with SPS as the servicer. This loan was a XXXX subprime loan generated before 2009 that XXXX had dump to SPS. We applied for HAMP due to financial loss of income and property value is XXXX and mortgage is for XXXX so under HAMP my understanding is Principal Reduction would be included. SPS and Investor approved a trial mod but not principal reduction need to know what they do n't comply with the HAMP rules. The account number XXXX for this mortgage. The HAMP modification does not help without a principal reduction. I have contact a lawyer to work with me and SPS on this matter.

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 2016-04-27
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I continue to receive between 30 and 45 calls per week from Regional. I have received 3 voicemails within the last 2.5 hours during the work day. They continually call at exactly XXXX including on Sunday. Any reasonable person would agree that this is a violation and excessive. There is already a payment scheduled and I am still being harassed multiple times daily.

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: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I signed a statement with every complaint stating that the information given is true to the best of my knowledge ; I believe it is a criminal offense to give false information. 
I believe that the subject of my complaint should be held to the same standard. 
In Case # XXXX, Select Portfolio Services flatly stated that there was no payoff to XXXX Mortgage included in my " modification '' ( actually cash out refinance ) that XXXX did. As the new servicer, SPS should have had full documentation of EVERYTHING, including the paying off of XXXX Mortgage. 
They ( SPS ) continued denying paying off XXXX until I sent proof from XXXX Mortgage, as well as proof that XXXX never communicated with XXXX as to the status of my account. 
Therefore, I would like to add this to my list of complaints : Select Portfolio Services gave you false information in response to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report in regards to a late payment reported in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I financed my house with a 15 yr, fixed rate mortgage and have paid mymortgage on time every month. Further, I have paid an additional $ XXXXto principal with each loan payment since the inception of the loan. 
Normally on fixed rate mortgages, the interest decreases while thepayment to principal increases as each payment is made. On theservicing of this mortgage, the interest that I pay fluctuates with everypayment and does not steadily decrease. For example, the interest thatwas posted on the statement dated XX/XX/XXXX of {$100.00} isslightly higher than the interest posted on XX/XX/XXXX of {$100.00}. Ibelieve that the allocation between principal is calculated incorrectly for afixed rate mortgage. I wrote to BB & T and received a timely response, but the letter does not address my concerns it merely cites that it is incompliance with CFPB regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I rented a car from XXXX at XXXX airport on XX/XX/XXXX -XX/XX/XXXX, daily rental fee was {$46.00} plus insurance total {$530.00}. I needed to return home earlier and mentioned that possibility to the clerk and he said " no problem ''. Later I found out that Bank of America was charged {$590.00} on my debit card as a result of returning car earlier. I was willing to pay for the original cost even though I only used the car 4 days but they gauged me with {$280.00} daily rental fee totalling to j {$1100.00} I have all documents and would like to see justice for this stealth highway robbery where they can charge whatever they like. I disputed with B of A but ended up declined. 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 2021-01-13
Company: EQUIFAX, INC.
State: GA
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:
I believe I am a victim of Identity theft, because these items ( below in the report ) I do not recognize, I think somebody used my personal data and information otherwise I can not understand how they appeared in my credit report. Please figure out the details and remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Carrington MS , Inc about 6 months ago and they have made it nearly impossible to pay more than our minimum payment. We always try to pay extra to pay down our premium and previous mortgage servicing companies have made it easy to do so. Carrington, however, wants to collect as much interest as possible and refuses to work with us to make paying our loan off early a reality. It is frustrating that mortgage companies can sell our loan whenever they want, but our only recourse to rid ourselves of a selfish company is to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have previously disputed these ( XXXX ) accounts for various reasons and have yet any resolution. 

Acct -- XXXX I never received any initial notice of debt nor right to dispute. I have asked for this proof several times and have never received it. They claim they do not need to provide that to me ( see CPPB case # XXXX ). I disagree- if they choose to claim I owe money and report negatively on credit, they need to furnish allinformation I request. We have moved several times. Do they even have the correct information? Can they verify? Can they collect? 
2- On XXXX/XXXX/2015 I filed a complaint with CFPB ( Case # XXXX ) in which XXXX responded ( response date XXXX/XXXX/2015 ) that they mailed me " proof '' on XXXX/XXXX/2015. How could this possibly be? They are claiming that they mailed me documents two weeks before I even opened a case against them. This is false. Also, to this date, I have yet to receive any documents. 
3- I sent a dispute to their response and did not hear back. Their facts above are wrong. 

Once again, because of inconsistencies and false information provided above ( refer to case number and dates above ), I am requesting immediate removal of these items from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The XXXX payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. XXXX payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.

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