BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: TRUSTMARK CORPORATION
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Bank Fraud I believe I was defrauded in my dealing with a financial establishment what was at that time known as XXXX and located in XXXX, Alabama. XXXX XXXX has sense been acquired by a different financial organization, Trust Mark of Mississippi. 
In dealing with Bank XXXX, I borrowed so called " money '' and gave a promissory note with a house and land as a surety. 

I have sense found out Bank XXXX did not loan me any money. The money they said they loaned me was created by my signature on the note. Their fraudulent bookkeeping made it appear as if they loaned me money. 

Unknown to me at that time, my note was treated as if it was a cashier 's check and deposited in their " transaction account ''. The so called money was then taken out of this account and placed into my loan account. This created the fraud. They said they were loaning me money when it was my money, that I created with my signature! So, the bank " loaned '' me nothing. The bank risked nothing! 

I returned more than the money they gave me. They returned my note. They did not return the money they made on my note while it was in their possession. My note was a negotiable instrument and through fraudulent dealing with me they kept the money made on my note. 

I want complete disclosure of their dealing with me and return of ALL the money they made off my note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
( XXXX " XXXX '' XXXX a legal representative of Foster & Garbus XXXX XXXX XXXX XXXX XXXX New York XXXX Phone : XXXX or XXXX ) has made harassing phone calls within the course of three months with an attempt to collect a student loan debt in the amount of XXXX. XXXX XXXX called my home three weeks ago regarding this matter. I explained to him that I am unable to pay on my debt due to the fact that I am unemployed, XXXX and that I have an open case with Social Security XXXX Administration and I am waiting for a hearing date to meet with the judge regarding my claim. Which could take anywhere from six months to another year. Every time he calls I explain the same thing to him. He totally ignores my statement. Questioning my personal life. Asking me who I live with and if my significant other can pay my debt. I told him he wo n't its not his responsibility. XXXX XXXX also threaten to take legal action against me if I refuse to repay my debt. 
I guess he feels that he has the right to harass me. He does n't some should address this matter and inform him that it needs to stop. He call me today at XXXX today regarding my loan. I 'm keeping record of the amount of times he calls me. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: Alacrity Collections Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a bill to XXXX XXXX XXXX and XXXX on XXXX/XXXX/2016. This payment was posted to my checking account on XXXX/XXXX/2016. As per XXXX at Patient Services, the payment processing service for XXXX XXXX XXXX and Imaging, their records confirm that my payment was received on XXXX/XXXX/2016 and the account was sent to collections on XXXX/XXXX/2016. As it is unlawful to attempt collection on an account that has been paid in full, I request an immediate investigation of this alleged violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TCF NATIONAL BANK
State: NH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
When i took loan out i wasnt told the interest rate just that it was like XXXX interest fee that i agreed to and now they keep calling saying they are going to sue me and be home at this time so they can serve me legal documents to sign this is from castle payday loans online in ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To The reviewer of all my complaintsCFPBMy name is XXXX XXXX. I was the owner of the HUD located at XXXX XXXX XXXX, GA XXXX. On XX/XX/XXXX, the house was sold at the steps of the XXXX house. XXXX XXXX Georgia. XXXX XXXX of Wells Fargo requested the sale to be rescinded after my complaint. On XX/XX/XXXX, around XXXX to XXXX, she advised that the sale can not be rescinded. and it was final. Last week, XX/XX/XXXX XXXX County Water Authority called me to tell me a company wanted to establish an account with them. Since my name is the legal owner of the property, they did n't open an account in their name. The same company locked me out of the property and took ownership of the property without an eviction letter. Again prior to the dismissal of the rescinded request. I was locked out of the house. 
The same XXXX XXXX of Wells Fargo told me the HAMP application submitted on XX/XX/XXXX was not reviewed, but the one on XX/XX/XXXX was reviewed. Therefore, this is a violation of Federal Law. I further asked her if I was not qualified for any other Federal program in order to keep my house. She responded " No ''. XXXX XXXX of Wells Fargo advised in XX/XX/XXXX to have a letter of a permanent job offer in order for her to continue with the modification. XXXX applications were submitted to Wells Fargo for review and an appeal form to continue with the modification. XXXX XXXX said that nothing was reviewed. Since XX/XX/XXXX XXXX promised to give me the information about the third party purchaser of the house. She did not respond to her phone call. This is an illegal possession of the house and a wrongful eviction. I hope someone can look at this complaint and act upon it. Wells Fargo has received the bailout money from the US Government but violated the law for modification and put a barrier to minorities to get loans to keep their house. This is pure discrimination for denying me due process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job due to an accident on XX/XX/2016 and i was unable to return to work until XX/XX/2016. I am back at work and i need some assistance getting back on track ... i make less money but i can still afford my mortgage ... please help me keep my 1 and only home

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 2016-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We currently have our mortgage with Wells Fargo and were trying to refinance to cash out some equity so we could pay off some debt. Our loan was approved and we were instructed to close all of our credit cards accounts. We did as they asked, the property was appraised, and we thought it was a go until we were told three weeks in that our property was n't approved because of HOA blanket insurance. Now we do n't have access to a line of credit because we were told to close all our accounts and the closures will negatively affect our credit score. At the time this incident occurred the branch manager told us she had XXXX other customers in the same situation. If that 's the case, I would think she should have made sure the property was approved before asking us to close our accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo is refusing to drop PMI. In their response letter they stated, " A new appraisal will not be taken into consideration '' and " the original amortization schedule will be used. '' I feel this is unfair and deceptive. I was under the understanding that once my loan-to-value reached 78 % and or 5 years of on time mortgage payments I would qualify to have this extra charge removed. 

I have never missed a payment, nor been late. I have an impeccable history of payments and want help fighting the removal of PMI. 

To add, my loan is a FHA loan and refinancing is not an option at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Got a mortgage loan through Franklin American Mortgage Company. Original and very first statement on XXXX/XXXX/2016 for the amount {$1200.00}, which i already paid check number XXXX, enclosing copy check from the bank, and it was showing cashed clearly. 
and on XXXX/XXXX/2016 i received a new mortgage statement. I did write several letter, faxed, and even called all of my documenations to them inquired about the check # XXXX for the amount of {$1200.00}. Because i do n't this check was credited anywhere on my account ... However, Franklin American Mortgage Company did not answer nor responding to my inquired letter, and my issues still not resolved up to today ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC is fraudulently reporting my credit information and re-aging my account. They are fraudulently reporting the account as being 1yr and 11months old when in fact the account is close to 6 years old in order to prevent the account from closing due to reaching statute of limitations.

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 2015-11-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Request to REFINANCE HOME MORTGAGE LOAN currently with Wells Fargo Bank , N.A . Home Mortgage Division. 
XX/XX/XXXX I contacted a Wells Fargo Agent ( XXXX XXXX XXXX ) requesting to REFINANCE my current home mortgage loan. Current Interest Loan on my mortgage is 5.625 % After several phone discussions XXXX XXXX e-mailed me XXXX " Approximate Loan Cost Illustrations '' I chose the XXXX loan cost illustrations with the interest rate of 3.500 % ( see attached exhibit titled " Wells Fargo Approximate Loan Estimate ''. ) I also e-mailed XXXX XXXX asking for a " Loan ( Rate ) Modification ''. He responded by saying he does NOT 'Rate Modification ' but " ... .understand that a loan modification is usually do n't ( done ) for an extenuating circumstance, not just to improve the rate on your current mortgage .... '' XXXX XXXX asked me to call XXXX for assistance on loan rate modification. I called this toll free number and spoke to several Wells Fargo Agents such as XXXX XXXX, XXXX " XXXX '' and so on. These agent ALWAYS hang up on me without concluding our conversation. 
I called XXXX XXXX back agreeing to proceed with the application for the Refinancing of my mortgage loan at the " Approximate Loan Cost Illustration '' showing the interest loan of 3.500 %. We both agreed on this interest rate when XXXX XXXX told me that " Wells Fargo 's internal record of my mortgage payments showed that I have been late more than XXXX-times in the last one year. '' I tried to explained to him that for years now Wells Fargo has been making successive mistakes in the way the bank apply my loan payments. XXXX XXXX terminated our conversation and transferred my call to another Wells Fargo Bank 's Customer Service toll free number which nobody answered. 
XXXX XXXX ( Executive Mortgage Specialist ) XXXX, extension XXXX I called XXXX . XXXX several times and left a message for her, with my phone number, but XXXX XXXX XXXX NEVER returned my call. ( Note : In the past, on another issue, XXXX . XXXX sent me a letter ( dated XX/XX/XXXX ) with her phone number encouraging me to call her if I have any question on my Wells Fargo mortgage. Whenever I called her, the voice message will say " I am in the office today ... XXXX please leave your name, phone number and mortgage number .... '' I was never called back. 
QUESTIONWhy will Wells Fargo Bank ( Home mortgage division ) not want to REFINANCE my mortgage? 
REQUEST. 
1. I will like to REFINANCE my home mortgage loan with Wells Fargo at today 's Interest rate of 3.500 % as e-mailed to me. 
2. XXXX APPLICATION TO REDUCE MY MORTGAGE : I requested to REFINANCE my mortgage and NOT through XXXX XXXX from Wells Fargo. Pls stop sending me solicitation for a XXXX XXXX to reduce my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX has been affected by XXXX. I have been hospitalized several times the past 4 years. I'm XXXX percent XXXX and in a XX/XX/XXXX. Contacted my mortgage company a lot of times for the last 2 years asking for assistance with my mortgage. Summitted paper work to Select Port Folio requested for the mortgage assistance. I have a property foreclosure sale date for XXXX under the federal Hero Act they are not suppose to foreclose on property until after the XXXX XXXX. I have faxed my modification request recently with financials to Select Port Folio request the property foreclosure sale be postponed and process the modification request. I want the debt validated the amount they say I owe on my home I feel is wrong..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing " impersonates itself '' as XXXX -intentional misrepresentation of material facts, 1692e and possible mail fraud under 18USC 1341. 
Please see attached. [ Exhibit on the purported " trustee 's deed upon sale, '' scan XXXX, will be sent via fax. Unable to upload due to size of file. ] Thank you for your help in upholding and enforcing Federal consumer protection laws.

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 2016-02-17
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My XXXX daughter ( XXXX XXXX ) and I met with XXXX representative and district manager XXXX XXXX when she and another rep showed up un-anounced at our home. They wanted my daughter to sign up to sell avon, since she is XXXX XXXX they told us that the account would have to be set up in my name. I told them we were not interested. We started receiving bills in my daughters name from a collection agency. I have called the collection agency and avon to get them to remove this account and the balance and have been unsuccessful. XXXX XXXX will not return my phone calls and she is the only person that can remove the balance from the account. The account is unactive and has been closed but the bills keep coming and it will start to affect my daughters credit very soon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband died over 2 yrs. ago leaving several medical bills unpaid. After his personal estate was reviewed by the XXXX XXXX Courts it was ruled that his estate was deficient and that his medical bills would go unpaid. XXXX XXXX XXXX sent several bills. They were informed that there was no money in the estate to cover his bills. XXXX XXXX then turned this over to Optimum Outcomes, Inc. to attempt to collect several bills. I contacted an attorney who notified Optimum Outcomes that they could not collect on the bills owing because the estate was deficient. Apparently a bill for {$280.00} was not listed in that correspondence and Optimum Outcomes began sending collection notices for that amount. I called and wrote the company that this was not my bill several times. They stopped sending notices of collection and instead had a collection report placed in my credit reports XXXX. I disputed the information with XXXX credit reporting bureaus. XXXX accepted my statement and removed the collection report from my credit report. XXXX has declined to remove the collection report as of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Designed Receivable Solutions ( " DSR '' ) is a debt collector. Their client, to whom the debt is owed, had an incorrect address on file for me. Thus, an invoice for {$150.00} was never sent to my attention. Upon applying for a mortgage, I discovered this debt in collection. My credit is otherwise perfect and this debt which DSR reported to the agencies is a false representation of my personal credit information, and simply clerical inaccuracy. After discovering the debt on a credit report in XX/XX/XXXX, I immediately contacted Designed Receivable Solutions ( " DSR '' ) to ask for a validation notice so that I could understand what the debt was and to then pay, if valid. In XX/XX/XXXX, DSR stated that they would completely " expunge '' the record from my credit if I paid that day. I could not pay that day because I did not know what the debt was for. After asking DSR a second time ( in writing XX/XX/XXXX ) for validation they finally sent the original invoice ( on XXXX XXXX, 2015 ) -- over 3 months since I originally asked for validation of the debt in XX/XX/XXXX. Additionally, after contacting the XXXX XXXX ( whom the debt is owed ) on XXXX/XXXX/15 ( spoke with " XXXX '' at XXXX XXXX XXXX XXXX XXXX " XXXX '' ) she stated that the correct amount owed was {$150.00} and that I could make payment with her for {$150.00}. However DSR will continue to inaccurately report a collection item to the agencies as well as assert that {$13.00} of interest is owed to DSR, an item they are attempting to charge on top of the amount I owe XXXX. The amount was accidentally sent to a collection agency due to an incorrect address and insurance policy and I am attempting to appropriately pay that amount to the original Physicans owed. I ask the AG office to review the situation and appropriately communicate to DSR that they are engaging in practices that are misaligned with good will or good faith as well as the law for fair credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Optimum Outcomes continues to contact me and report a debt as unresolved on my credit report. This debt was with XXXX XXXX, and it was clearly included in my bankruptcy that was filed in XXXX 2015. I am including a copy of my bankruptcy papers. If you reference page XXXX, you will clearly see this debt listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told I had to pay an amount that was not written on my statement. When confronted the person changed what they said and spoke to manager. They then said they would check the recordings and call me back, this has not happened, and I have contacted them numerous times.

Company response to consumer: Closed with explanation