BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
i know i will get a script back, nothing from Consumer protection it appears that no matter how badly a customer is treated they do and say nothing- this is third poss report on the same still unresolved issue and is truly illustrative of horrible customer serice, relations. and resolutions. so badly i am seriously reconsidering where to bank. on XXXX XXXX despite being told it would not be credited before i was informed my interest on my credit card would be refunded. on XXXX XXXX i called to confirm i was told YES. then on XXXX XXXX after i used the card ONCE on XXXX XXXX i asked about the foreign transaction fee said i was unaware this would be billed and why. at that time XXXX a SUPERVISOR told me all would be credited interest and foreign fee. Nothing has been credited despite these communications. now the answer i know i will get based on past experience is that the bank despite the time and money they spend fighting me will still not refund me. of course i was tricked into using the card XXXX XXXX which i would not have done .and only did based on being told i would be refunded. The number of emails, letters clearly exceed the time and cost of refunding me properly. clearly means customer is not valued. i do not need or want credit card agreement that is because i am not questioning it. i am a good customer and i deserve this esp in light of how this has been hndled. if its not refunded i will now take further action. no scripts needed in the answer no reiteration of how many times i was refunded. since for all those times. you have refunded deadbeats who are past due. just refund it like i was PROMISED do DAMAGE control and to consumer protection finance please publish this. banks need to spend more time getting to know customer than scripting them to death for months making promises they dont keep wasting my precious time.

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 2015-08-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I got employed by the company in XXXX 2015. I was give a user name & password where I could communicate with my manager as well as receive my new tasks. 
I got my first assignment in XX/XX/XXXX which I was told that there will be a deposit of {$5000.00} in my account and that check with the bank to make sure that the funds is available then report to my manager for instruction. I was told to withdraw the funds & XXXX ; to send it to XXXX clients in XXXX by using XXXX XXXX XXXX XXXX ; then to scan the receipt & loaded in the systemand also call XXXX to make sure that the funds were available to be picked up. I received XXXX more transfers after that which was instructed to do the same but different clients. 
Two days later my bank statement was showing negative so I contacted the bank & was told that Navy FCU is asking for the money back so I contacted my manager via email & assured me that the issue will be resolved & amp ; that she is working with the financedept & XXXX ; client in order to take of this matter. I emailed her few time a day for the next couple of days since issue with the transfer was not fixed so the third days I was unable tolog in in order to communicate with her since they deactivated my log in & password. I have emailed their HR person as well as the risk management dept chief, head of the investment dept & public relation chief and no one has responded back to me. I have alsocalled my contact that is suppose to be in NC XXXX XXXX for assistance & he has not returned any of my phone calls. 
According to Navy FCU the money was transfer to my account & they have a record of it but could not give me any other information since I am not a client of the ban & XXXX ; my bank has done anything to help me but asking for me to deposit the money that I do not have back i the account. My back never notified me of these transaction instead they suspended my on line profile & that is reason I found out about his issue. 
According to the web site this company has locations in XXXX, XXXX, XXXX & XXXX. 

Total of money owes is {$14000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The company, Integrated Recovery Services , Inc. has been calling me 3 to 4 times per day, they are calling my brothers and leaving messages at least twice a day now. I called them and asked that they send the debt in paper form, through the mail. I still have not received this. They sent me an email with a document and request to submit payment. When I asked that they stop contacting my brothers, they agreed, and then proceeded to call them again the next day. I have contacted an attorney, and have them drafting a Cease & Desist letter now. One of their agents threatened me, blatantly saying, " I will call your whole family, I will make your life a XXXX! '' This man 's name is XXXX, he would not give his last name. He has threatened to call my employer ( I am unemployed anyway. ) He has threatened to " charge me with XXXX counts of fraud, '' twice now, and has referenced XXXX different counties. They have called me at XXXX XXXX and have been calling multiple times per day. They have an " F '' rating with the XXXX, and horrendous reviews by other people they have harassed. I want them to cease contacting me, and end their illegal methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was told at the front desk of XXXX XX/XX/XXXX that there was no debt owed by me when I asked about the remaining balance. 
After three years I see that is is still being reported as late as XX/XX/XXXX. 

I did not know this was happening. 

No attempts to collect this have been made to my address with any communication, not letter or email. 

This has affected my credit rating for awhile and I am not certain that removing it by paying it will actually happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Chaparral Inc
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am a co-borrower a car loan with my ex-husband ( XXXX XXXX ). The car was bought XX/XX/XXXX.At first, I was paying half on the car. My ex could no longer make the payments werein XXXX XXXX ( formerly known as Northcoast Financial Services ) contacted me for payment. I began making the entire payments, XX/XX/XXXX. XXXX, took my ex husband off of the white title but not the loan. XX/XX/XXXX I tried to trade the care in and when they ran my credit it was found The finance company has never submitted to the Credit Bureaus my payments. I I contacted XXXX and spoke with XXXX XXXX, who assured me that it would be taken care of by XX/XX/XXXX. n the meantime, three days later I followed u by sending Dispute Letters to all XXXX Credit Bureaus and a Registered Letter To XXXX XXXX XXXX . XX/XX/XXXX I went back to the same Car Dealership and was told the car was still NOT ON MY CREDIT REPORTS. I again contacted XXXX XXXX and again he assured me it would be taken care of. In the meantime, the Credit Bureaus never addressed my disputes so I turned to the XXXX and am working with XXXX XXXX. XXXX XXXX has been in touch with her via emails and they keep giving her different dates of when the issue will be resolbed. I think they keep changing the date because I either made my last payment XXXX XXXX or it will be XXXX XXXX so they can deny the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection was paid to XXXX. I disputes on XXXX and still listed as open and no remarks about it being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Comerica
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
The TN Human Services department has all child support payments going to the XXXX debit card issued by Coamerica Bank and Elite. The card is also referred to as an XXXX. Each time you dial the customer service number on the back of the card, no one picks up ( Tried 5 times now and longest wait time so far is 1 hour, 15 minutes ) and a fee of {$.00} cents is deducted from the child support balance. Summed up, no one answers the phone, online access does n't actually allow you into the account and the app does not work. It keeps you in a perpetual loop of asking validation questions, without actually validating your personal info to gain access into your account. This is a rip-off. Once you dial in with your personal card info or social, it automatically deducts money from your account without providing an actual service. I 'd like to simply have my money direct deposited into my checking account versus this rip-off debit card w/ NO customer service at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has inserted XXXX XXXX XXXX on my credit file. In accordance to XXXX XXXX. XXXX, Equifax is unable to 100 percent verify XXXX on my credit file. Under XXXX XXXX XXXX, Equifax is obligated under federal law to permanently delete XXXX from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: PLAZA HOME MORTGAGE, INC.
State: NE
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX I used the XXXX program to refinance my home. The purpose of the program was to help lower my payment but without requiring an appraisal because my home 's value was and still is lower than the principal balance owed. I ended up getting my original loan refinanced and my payment started out being {$1900.00} a month. Since XXXX, my payments have risen to {$2300.00} by XXXX of XXXX. That 's an increase of {$410.00} a month in just 3 years. My property tax has not risen that much and while my home insurance has risen, it has definitely not increased by {$4900.00} a year. I do n't think banks realize what this does to a person when they only make so much money a year and budget for a monthly home payment when they close on a loan. I have complained and inquired about this to Plaza Home Mortgage for the past 2 years and the only response I have ever received from them is that they under estimated my escrow amount to be paid ; and of course with an offer to pay the difference in full vs. monthly ; yet they made the error in calculating. In XXXX of XXXX, my home insurance went up by {$86.00} a year. Over the past 3 months I 've sent a couple of messages to Plaza Home Mortgage reminding them that they need to make sure that when they analyze my escrow payments in XXXX XXXX XXXX, they take note that my home insurance is {$1800.00} and NOT {$1700.00}. I just looked at my escrow analysis and they disregarded the messages I 've sent to them and I still show they have my hazard insurance at {$1700.00} a year, which I believe will result in yet another escrow shortage by XXXX of XXXX. I have sent them XXXX messages in the past week and have received NO responses. I still have no good explanation of why my payments have gone up {$4900.00} a year ( {$410.00} a month ). I have every reason to believe that Plaza Home Mortgage is doing this same thing to other home loan borrowers and I believe they are making more profit from the loans and not reporting it to the government or something else is going on. My suspicion is that they are using home owners equity accounts to make money because they would avoid paying taxes on our equity OR they have grossly miscalculated my annual escrow from the beginning. My reason for suspecting this is because of lack of valid proof of the large increase in my monthly loan payment amount and lack of responses from the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a good solid contract and the buyer has already been pre-approved for the loan. The bank will not consider the short sale. Also, when I phoned the bank regarding foreclosure alternatives, it was relayed to me that my only recourse was to do a short sale. No one ever informed me about being able to apply for a loan modification. 
I had to go to an outside source to learn about this particular foreclosure alternative. I am trying my hardest to get this done. At this point I am desperate for assistance and I am reaching out to you as a consumer for help. I feel as if the lender and/or their representative did not do what the government says, which is provide alternatives to me as a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage servicer, Specialized Loan Servicing LLC ( SLS ), appears to be acting in very bad faith and is attempting to wrongfully ( and fraudulently ) foreclose on my home. They have outright ignored written agreements, and are purposefully stalling the evaluation of my Home Affordable Foreclosure Alternatives ( HAFA ) short sale, so that I will miss the XXXX/XXXX/16 HAFA program deadline. 

I have consistently submitted all required documents in a timely manner, and have precisely followed SLS 's instructions ( both verbal and written ). SLS 's actions also reflect the illegal practice of " Dual Tracking '' as defined by their regulatory agency, the Consumer Finance Protection Bureau ( CFPB ). These are strong accusations, but only a brief review of the attached documents ( see highlights ) support my claim : 1 ) '' Change of Intent '' letter ( sent and received before XXXX/XXXX/16 due date ) 2 ) SLS 's HAFA Matrix ( downloaded from SLS 's website ) 3 ) Making Home Affordable ( MHA ) - Supplemental Directive ( SD ) XXXX, pg XXXX ) CFPB statement - illegal " dual tracking '' I would greatly appreciate any help in compelling SLS to act in good faith, and cease such deceptive and damaging practices. Please let me know if you have questions or need any additional items.

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 2016-10-13
Company: Fairway Independent Mortgage Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
After submitting all necessary documentation required for my loan application Fairway Mortgage did NOT notice that one of the items on my credit report was showing " in disputed ''. The week prior to close they had me sign a paper advising the credit bureau that the item was no longer in dispute. In so doing it changed the last activity date on the disputed collection to XX/XX/XXXX disqualifying me for the loan on the last and final day of closing. Had they done their due diligence and noticed it during the initial application process the pain, anguish and expense would have been avoided. Due to their error not only did we NOT move into our home the next day but we lost, what to us, was a substantial amount of money. 
This could have been completely avoided had Fairway Mortgage done their job appropriately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
RE : XXXX XXXX  opened XXXX XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX  XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.

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 2016-12-02
Company: Specialized Loan Servicing Holdings LLC
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our loan was sold to SLS after being with XXXX ( and very happy ) for almost 13 years. We had applied for a modification with XXXX and we were told all the paperwork would be sent to SLS to finish processing. I received a letter from SLS that XXXX items needed to be changed to the SLS document for further review. Items were emailed the same day, XXXX. On XXXX, I received a letter that nothing was reviewed since I did not send the items in on time. I called SLS and she stated that they had both items but the signature was in the wrong place. I had called 2 times and spoke to a person since sending the documents in. I was told everything was being processed in underwriting and that they would get back to me. On XXXX/XXXX/16, I called SLS and the automated system told me that my workout status was approved and they were finalizing the paperwork. When I questioned the Rep about that call she stated that the automated system was not always right and that I should be calling and speaking to a person every time. But, I had spoken to TWO Reps and none of them told me there was an issue with my paperwork. I asked if I could send in the ONE piece of paper that had the wrong info on it and I was told " No, you need to send a whole new packet into us to process again. '' I asked why no one called me to let me know that the packet was wrong since I had received information re : the missing paperwork. I was told that it was my responsibility to call and follow up. But, I did, so if I did my job, why are they not doing theirs?!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
SLS is the servicing company for XXXX bank. Supposedly, XXXX owns my XXXX mortgage which originated with XXXX XXXX. I have been unable to complete a refi on my home due to a negative title search which shows XXXX as the loan holder. I requested the required documentation from XXXX and was told that SLS has to provide the paperwork. I made numerous phone calls and written requests to SLS. They were rude and deceptive. They lied and gave me the run around. They sent me the copy of my original contract with XXXX, which did not show transfer of the loan to XXXX, more than once, in an attempt to placate me, even after I made them aware of their " mistake ''. I made XXXX written attempts. They made me wait the legal limit of 30 days and have yet to supply me with the proof that I requested, the proof that I am entitled to by law. I feel my legal rights have been violated. I think they are purposely trying to stall me with misleading information because they do n't want to admit that they can not produce the documentation I have requested. I am losing approximately {$200.00} a month each month the refi gets stalled. They have not shown any professionalism or compassion. They have yet to take any responsibility and refuse to be held accountable. Customer service reps have out and out lied to me, which I can prove, as XXXX of the calls was a XXXX way conversation in which the customer service rep stated he had the documentation, other documentation than what was already sent to me, and that he would get it right out. When I did not receive it, I called back. I spoke to a supervisor, who would not allow me to speak with the customer service rep, even though I had his name and ID number. She said she spoke to him and he denied saying he had other documentation. I asked her to pull the tape. She stated " she would, but it was not going to be any time soon ''. I never heard back. I did call the rep from XXXX back, who initiated the XXXX way call, and he confirmed what we had been told. SLS has a long history of complaints. I can see why. I do n't know why a company like XXXX would choose to be affiliated with a company like SLS. I have no choice, but I am literally XXXX,. I can not get my refi done, through absolutely no fault of my own, without XXXX and that does not look like it is ever going to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation