BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
ATM card was stolen. Bank security measures did not prevent thieves draining account. Bank is violating federal law by refusing restitution. I will continue to file these complaints and proceed with legal action until bank complies with federal law reporting requirements regarding debit card theft.

Company response to consumer: Closed
Consumer complaint received 2016-02-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is being serviced by LoanCare ( LoanCare, a XXXX company and indirect subsidiary of XXXX XXXX XXXX ). I received my first payment letter that instructed me to make the payment by check while the ACH auto draft was being set up. I made my payment on XX/XX/XXXX and then on XX/XX/XXXX they auto drafted me for my mortgage payment. I called to request a refund and they refused and said I would be always be a month ahead. They said my only option was to cancel my auto draft for XX/XX/XXXX and reinstate it in XX/XX/XXXX. I then called my mortgage broker who lodge a compliant with them. They said they would send me a check and the next thing I heard was they were wiring me the funds back. The wire never arrived meanwhile the payment was taken off my account. When I called to inquire on the wire they then said they would overnight me a check. That check never arrived. Now it is XX/XX/XXXX and XX/XX/XXXX payment is due. I had enough so I told them just to keep the funds and I would cancel my audit draft. The notice that my auto draft was in place was dated XXXX/XXXX/16 and I did n't receive it until XXXX/XXXX/16. Also I just received my tax forms on XXXX/XXXX/16 which is late. I have already filed my taxes. Based on the hold time I know I am not the only one with issues. When they processed the 2nd payment they applied it to principal and interest not to principal only. It appears their system does n't pick up on duplicate payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX 2014 my previous mortgage company XXXX XXXX ), sold our mortgage to Carrington Mortgage Services XXXX a branch of XXXX ) without any prior notification that this was even being considered. I do n't think mortgage companies should be allowed to sell our mortgages without any input from consumers. I was n't even notified that they acquired my mortgage until the XX/XX/XXXX 2014, almost 3 months after they bought it. I am an active duty military member and stationed XXXX XXXX my wife and kids are located in the XXXX area of XXXX state XXXX and the property associated with this mortgage is located in XXXX and is a Veterans Administration loan. 
When we discovered that Carrington Mortgage Services bought my mortgage, we called them to get some information as to what I needed to do to keep paying my mortgage, but their mortgage associate who we spoke to did not have any answers to any of our questions and we had to question what exactly was her purpose. They are not very helpful at all, and in fact is one of the worst customer service I have ever seen in any company. They then threatened to foreclose our home. We had to request a mortgage modification loan to get our mortgage back on track and end the foreclosure action. 
Once we started the mortgage modification process, they sent their associates in the local area of my property to take pictures and determine if the home was occupied. They did this on numerous occasions although we already informed them that our son and mother-in-law were living in the home. We had to send in all my documents they required for the mortgage modification on four separate occasions because they claimed that they did n't get it, or was somehow mis-placed in their facility somewhere. We faxed all our documents to them and also scanned and up-loaded them on their website as a backup. Hence, their excuses about it being mis-placed is nonsense. We honestly believe that they are simply incompetent and the myriad of departments they have do n't always communicate with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: DISCOVER BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
1 ) Discover Bank closed my checking account without any notice. 

2 ) Its customer service rejected my request of transferring my money XXXX more than {$2000.00} in balance ), and sent a check to my old address. No chance was given to correct the address error, even if I pointed out the mailing address is out of date. 
Note, my above conversation with Discover Bank was before the final check was issued. 

3 ) The online bank system was not working properly. After my checking account was closed, Discover Bank continued sending online bill pay checks to at least XXXX of my billers, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, etc. 
These are absolutely unacceptable mistakes conducted by Discover Bank, which intentionally incurred returned check fees from my billers to me, totaling over {$100.00}. Before these checks were sent out, Discover Bank customer service representative even confirmed with me that no money or check would be sent out since my account had been closed. 

4 ) According to Discover Bank 's term and statement, my checking account had cashback rewards when it was closed. I do not have any proof showing Discover Bank paid me for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This is ANOTHER example, of my statements, the information, JUST BEING SO SO SO SO SO WRONG. 

I want $ XXXX for ALL THE TIME wasted on THIS NONSENSE, the {$2500.00} should pay off the remaining amount that I need to pay DFS XXXX whatever is leftover- XXXX 's just categorize it as time lose, both on my part and from all the different parties that have been contacted by be. 


How can a dispute that was REFUNDED- be claimed as a valid charge? Unacceptable- I can not micromanage this account anymore, {$2500.00} to no longer deal with this headache and for me to end my membership- so DFS no longer has to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with Discover card charged off in 2007. The seven years have passed and the debt/collection has been removed from my credit report. Subsequently, today I received a XXXX debt cancellation from discover card. It is my understanding this tactic has received numerous complaints. Additionally, this is old debt. Why did they not issue this over 10 years ago? Please advise. I clicked debt paid because there was not a better selection. The debt was charged off 10 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I filed a dispute in XXXX against the collection agency known as XXXX ( XXXX ), account number XXXX Phone number XXXX with equifax sometime in 2013. Equifax failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has been reporting XXXX bankruptcies that do not belong to me. I keep on disputing and these credit reporting companies responded with verify and validated which is not true. I went to XXXX Bankrupty Court in person to investigate and Spoken with Court of Clerk. She informed me it could be computer error or someone with same name but they did not verify or validate information on credit file. See attached letter from Clerk of Court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: IL
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:
Im a victim of a data breach that happened within XXXXXXXX XXXX  ( hospital ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had bankruptcy about XXXX years ago, Equifax reported this account for XXXX yearswhile the other XXXX reported for XXXX years, Now I have applied for a loan. 
with XXXX XXXX, the loan officer tells me I have bankruptcy, Under federal lawten years is the max time to report but in this case, this is the XXXX year. 

another one is XXXX XXXX reporting XXXX dollar bond that was disputed and the case is pending in XXXX district court of Georgia ( federal Circuit )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For more than XXXX years I have been disputing derogatory and fraudulent information on my credit reports. 
Equifax is causing havoc and inaccurate information to the public. I look to your help to resolving this matter. Since 2012 I have been disputing fraudulent information from XXXX XXXX XXXX to Equifax from my credit report. 
I have spoken with employees from XXXX XXXX XXXX and Equifax and there refusal to remove harmful credit information. I seek you assistance and information to resolving this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was never seen in a room. I had XXXX in XXXX places, and they sent me to the medical clinic across the street. I only registered there then was told to go across street to clinic. Dr. did terrible job, .I might of had a XXXX but not XXXX in one day. My husband was with me he should be responsible if anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview Loan Servicing took over my mortgage in XXXX XXXX at the time I already had an APPROVED Load Modification agreement in place from XXXX XXXX ( previous mortgage company ) who sent me an agreement along w/trial payment schedule to commence on XXXX XXXX thru XXXX XXXX ( 3 mos ) at that same time I received a letter from Bayview ( never heard of company but looked up which had nothing but negative claims against the company ) therefore I thought the letter stating they were taking over my mortgage was a scam. I reached out to my contact at XXXX XXXX and they informed to start my loan modification trial period with Bayview who is taking over as of XXXX XXXX. We all had a 3-way email convo where XXXX XXXX warned Bayview that they have to legally honor the loan mod agreement that was already in place and I was to make 1st payment to Bayview on XXXX XXXX. I made the 3 trial payments not only on time but earlier then XXXX of each month and have the proof. I battled with Bayview since day one, from getting a responsible person to correspond with me, conflicting info, etc. I was given a Rep that I was to work strictly with whom never responded back to me but I STILL cont 'd to make monthly payments even after trial period, never missing a month. After threatening legal action, I received my long awaited loan modification agreement in mail that stated I successfully completed the trial period ( 4 months AFTER the trial period ). The loan modification agreement is beyond corrupt - the amount they are trying to increase my loan amount to, fluctuating rate so I reached out to my new Rep I was assigned to requesting some information on the agreement, to please provide proof of missed payments and how they come up with the amount of repayment owed on loan ( normal concerns before signing a legal agreement ) but again I am getting XXXX courtesy of a reply. The statements I receive each month are incorrect - I asked Bayview to explain where is all the money I have paid to date, over XXXX ( no reply again ). I am not sure how this company is able to stay in business legally on how corrupt it is, please assist me on retrieving a legal loan modification with them or retrieve my money back that they stole. I believe with all the complaints against this company an actual legal investigation and class suit action may need to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Golden Title Loans LLC
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I do n't understand why 745 cash texts me after hours. Yes I 'm a month behind but do they have the right to text my phone. Could n't they text me.the next morning? I thought that was so disrespectful. I 'm going to pay them Tuesday and after that I do n't want anything to do with them if they gone text me at XXXX!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been sued by New York State Taxation Dept. regarding a Wells Fargo student loan.. Wells Fargo submitted tax information to the IRS regarding XXXX student loan from XXXX that they charged off in XXXX. I had been unable to pay due to being unemployed and my loans went into default. In XXXX I never received a XXXX form from Wells Fargo. The IRS said the XXXX was reported for the XXXX tax year. I had not moved since having contact with Wells Fargo. I was unaware of this until XXXX. I received a bill from the IRS stating I owe them {$740.00} for receiving {$2800.00} from Wells Fargo. Wells Faro reported this to the IRS in XXXX. When I contacted Wells Fargo earlier this year after I received a letter/ bill from the IRS XXXX they said we are sorry you did n't receive the XXXX. Basically they said too bad and sent me a copy of the XXXX I would have received the XXXX in XXXX I would haven taken it to my tax consultant. Now I owe the IRS money plus penalties. How can I be notified 2 years later and Wells Fargo is not accountable for ensuring I received a XXXX in a timely fashion. There only response is we are sorry, here is a copy 2 years later.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I heard the news that wells fargo banks charges fees on unauthorized opened accounts. Around year 2007, I refinanced my home mortgage and when I was about to signed the papers with the notary person in my home I found out that my refinanced bank for my home mortgage was with wells Fargo bank and I was charged a {$300.00} fee if I do n't signed up for the direct deposit to pay for my future home monthly mortgage amount. I thought at the time that was unethical practice to charge a fee just to avoid direct deposit. However, I paid the {$300.00} fee to avoid the direct deposit and to avoid holding up my refinancing home mortgage. I was not informed of the fee when I was going through the refinance of my home mortgage until the closing of signing the paper. Is this a common and legal practice to charge a fee to avoid direct deposit for future payments of a loan? Hope you can help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CITIBANK, N.A.
State: CA
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:
I have held a Citi Mastercard Credit Card since XXXX, back in XX/XX/XXXX, I signed up for Auto Pay for both the minimum payment plus an additional {$2500.00} to budget my account, I was under the assumption that first Auto Pay in the amount of {$2500.00} would be in XX/XX/XXXX. At the end of XXXX I made an over the phone payment in the amount of {$3000.00}, reviewing my bank statement, I noticed Citi had withdrawn already the {$2500.00} ( Auto-Pay ), so I decided to make a stop payment with my bank for the {$3000.00} - there was no need to credit my credit card account for {$5500.00} since I had met my obligation in the amount of {$230.00} ( monthly Auto Pay ) .. Now, on XXXX XXXX, they notified me that my account was closed due to the fact that I had placed a stop payment on the {$3000.00}. ..I feel it is unfair since I had met my monthly payment obligation per our contract and on top of that an additional payment in the amount of {$2500.00} They have been unwilling to resolve this issue and have been forced to seek Legal Aid.

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 2016-08-15
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification with American Servicing Company and have been going through the normal hassles where they ask for additional documents even though they are in the original submittal. At the same time our modification was under review that continued with the foreclosure. Now they have denied our application based on their running of an MPV [ a present value ] calculation. We are qualified for the modification - we meet the income tests etc. We ran the MPV on the Fed Government site and had a private company also do the evaluation. Both said we passed. We have submitted the report from the private company [ REST report ] and suggested ASC errored in their running of the report. ASC is saying we were denied and that is it. Now we know ASC will make more money if they can foreclose our home and they are about to accomplish that. Can you review what ASC is doing and help straighten this out. 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 2015-07-21
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
An on-line loan was taken out under my name and Social Security number through Cash Net USA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/2016 I applied for a loan with Paramount Residential Mortgage Group based out of XXXX, Ga. I was mislead in thinking that my loan would be approved by the local loan officer. He kept informing me that we will close your loan. With his confidence, I put money down on a home, paid for an inspection and an appraisal. To my dismay about six days before the projected close date on the contract, he pulls the plug and gives a denial. I feel that an act of detrimental reliance has occurred. I lost money based on his advice.

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