BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: Valentine and Kebartas, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Several months ago, Valentine and Kebartas, Inc. ( VKI ) began contacting me using my work cell phone number regarding the collection of a student loan debt that is not mine ( I have never carried a debt related to student fees or tuition and this simply can not be my debt ). Each time I was contacted ( at least XXXX times in the past 4 months ) I responded by indicating that, while I have the same first and last name of the individual they are seeking, I am not that person. We have different middle names, we live in different states, and we have different social security numbers ( why would I know that? see below ). In some cases their telephone representatives were rude and dismissive. In XXXX case, their telephone representative hung up on me. 

Despite my repeated attempts to dispute the claim and assert that I am not the debtor, VKI has continued to contact me by calling the main reception line at my workplace and by sending " orders of withholding from earning '' statements to my work address. These notices include the full name, address, social security number, and total amount currently due of the debtor they are seeking to collect from. 

At first I thought it was simply incompetence that led them to make repeated attempts to contact me via my work cell phone. When they began contacting our main reception line and sending XXXX Mail to my work address, I realized it is not incompetence. Through their repeated attempts to collect a debt from an individual who has made a good faith effort to inform them of their mistake, VKI has:XXXX. ) Demonstrated a clear and willful pattern of creditor harassmentXXXX. ) Negligently violated the privacy of the actual debtor by freely distributing that individual 's name, address, social security number, and " amount due '' XXXX. ) Negligently caused damage to my personal and professional reputation

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in a suspended forclosure process with Wells Fargo Home Mortgage. They have approved me for the federal HAMP modifaction processing and have well over estimated my income by about {$10000.00}. After sending in an appeal they denied my first appeal to review my income information and a second appeal to review the HAMP regulations according to Section 3.2 : Servicer Escalated Case Management they have refused to further review the case and are preasuring me to agree to an incorrect modification that would put me right back into a forclosure with-in months of accepting their terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Bonial & Associates, P.C
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX.I have requested on multiple occasions for Buckley Madole , P.C. ( BMP ) located at:XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, 2015. It is a fact, that I did not receive notice from BMP, nor XXXX ( XXXX ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
New Jersey foreclosures are administered through the court system. RULE XXXX. Foreclosure of Mortgages, Condominium Association Liens and Tax Sale Certificates. We received no copies nor summons of the original foreclosure complaint action filed within XXXX XXXX XXXX XXXX. Therefore rendering our right to due process in effective in regards to unbeknownst Docket NO. XXXX civil action. BMP, has failed to provide the following documents required to be filed prior to conducting foreclosure and have violated fair foreclosure act n.j.s.a. XXXX XXXX : I have requested case numbers pertaining to these foreclosure filings and BFW has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of one and one-half times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. 

We implore your office to investigate this matter immediately, as BMP which is considered a foreclosure mill purchased in addition to failed to, provide Notice of sale must be mailed to homeowner ( and all parties who appeared in the action ) at least ten days before sale, as well as posted on the property and in the sheriff 's office, and published in XXXX newspapers for four weeks. We are forwarding to additional bank regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a complaint against an FHA approved lender related to the origination of an FHA insured mortgage, Property AddressXXXX XXXX XXXX XXXX Fl, XXXX Your name and contact informationXXXX XXXX, contact via email or ( XXXX ) XXXX XXXX Lender InformationXXXX XXXX - Home Mortgage ConsultantWells Fargo Home MortgageXXXX XXXX XXXX. 
XXXX. XXXX, FL XXXX ID XXXX The FHA Case NumberDo not currently have, but should be on record. 
Documents relevant to the complaintAs needed ... 

This is a few years old, and I do wish to file a complaint. I was thoroughly disgusted with how I was treated by Wells Fargo in the purchase of this home. 

Started with Wells Fargo mid XXXX 2011. Initial visit stated I would be approved for an amount to cover the house. I filled out all the paper work and jumped through all the hoops ( paying off credit cards ) as asked by them. 

Wells Fargo DRAGGED out this home purchase, what do they care? But to buy a HUD home, you have 45 days. Then every 15 day extension was about {$370.00} ( plus overnight shipping $ XXXX ) ... By the end of XXXX I 'm getting ready to send in for the XXXX and final 15 day extension ( almost {$1000.00} I had to pay ) and Wells Fargo comes back with, " you are approved for the purchase price, but we will not finance this house due to things we found in the inspections ( bank and mine ) ''. 

I found another mortgage company and asked if they could get this done as soon as possible, being my XXXX 15 day extension was ending soon. 

The XXXX mortgage company, XXXX XXXX Mortgage, which I approached in early XXXX 2011, was able to close in a few weeks time on XXXX XXXX, 2011. 

I have been living in the home since. 

A few months after the closing, the mortgage was sold. Guess who bought it? 
Wells Fargo. 

So they were able to run me through XXXX HUD / FHA extensions totaling around {$1000.00} out of my pocket, at one point the Wells Fargo Realtor yelled at me on the phone, then THEY DENIED me buying this particular home and after another company did the mortgage closing, they bought it, on the same exact house they would not sell to me. 

Is there anyway I can get any of my XXXX, 15 day extended closing costs back ( almost {$1000.00} ) due to their incompetence in running me through all XXXX extensions, denying me to finance the house through them, then buying the financed house mortgage from another company?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I purchased a phone by using Paypal. Paypal says that they will allow you to put in a claim if you have a problem with the company. However, paypal closed my claim without working with my to verify that I sent back the phone. So, I ca n't seem to contact paypal, and get a real answer, and my claim is closed, so I am apparently out the money that I spent on the phone, and I have no phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I have an XXXX XXXX business card with Chase. My annual fee was coming due in XXXX. Since this is my biggest spending card with Chase, in late XXXX, I called to find out if there were any retention offers on the account. I was told by a customer service representative that they would waive the {$95.00} annual fee if I kept the card open but that he could only process it after the annual fee posted and told me to call back. Today, XXXX XXXX, I called again only to be told that there were no retention offers on my card and that the annual fee would not be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Capio Partners, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter dated XX/XX/XXXX from Capio Partners with notice of debt related to a balance due from XXXX XXXX XXXX date of service was XX/XX/XXXX. I called to try and obtain more information as I have not had any communication from XXXX XXXX XXXX and was unaware of any balance owed. She immediately asked how I would like to arrange payment or they will report my debt to the credit bureau. I advised her that I have XXXX checking accounts and as this matter is aged, I am not sure whether I had already paid this balance and it would take time to research. She referred me to the Client rep, representing XXXX. I call that number and basically received the same notice that if I do not provide proof within a certain timeframe, they will report me to the credit bureau. Especially, since two years have transpired before I received any notices in this regard. 

I feel this is unfair collection methods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuous robo calls using different phone numbers with the same or similar message : '' This call is solely intended for XXXX XXXX. If you are not XXXX XXXX, please hang up now and disregard this message. File number XXXX, ( or a variety of other numbers ), which was placed with Halsted or XXXX Financial Services has been escalated to our final review department due to the lack of response from the required respondent. A full review of this file is being conducted by one of our loss litigation specialist and a recommendation of action to our client is imminent. In order for your personal statement to be included in this review press XXXX ( or XXXX ) now to speak to the representative responsible for conducting the review, or call us at XXXX ( or XXXX, XXXX and other phone numbers ), immediately upon receipt of this message. Failure to respond will result in a recommendation being submitted to our client without your personal statement being submitted. " These calls come from a variety of phone numbers with area codes from mostly XXXX, and XXXX. 
I am not XXXX XXXX, and have never heard of Halstead Financial Services. These calls seem to come in " batches ''. I receive these calls several times a day from different numbers, for several days a week and then wo n't receive a call for maybe a week, then it the cycle starts again. I have deleted many of the calls or messages, but what I did save goes back to XX/XX/XXXX. 
These calls are mostly to my cell phone, but a few have been to my home phone also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: First National Collection Bureau, Inc.
State: SC
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:
I have received a debt collection notice from First National Collection Bureau , Inc stating that i owe {$1100.00} for XXXX. I have never had XXXX services. This is a result of ID theft for which we have had to file several complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I closed a secured credit card account with Wells Fargo on XXXX/XXXX/2016. I was advised that I would receive my collateral funds within 7-14 day. Now I am being told it will be 45-60 days. Wells Fargo has multiple times they have given me " incorrect '' information and can do nothing but " apologize. '' When I questioned the second banker if I could file a formal complaint, she stated that the only way to do that was to step into an actual branch.

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 2015-09-16
Company: Integrated Recovery Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have been receiving phone calls from an XXXX number. They leave an automated message asking to call back XXXX, informing me they need a legal statement from me and failure to do so will result in them collecting my wages, employment, and liquid asset information. There is no mention in the message of the person 's name or the company they are calling from. I have not received anything in the mail from this company trying to collect a debt. I do not want to call back because I have read more than several bad reviews about these phone numbers that they are scam artists threatening the person they call and relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage through Wells Fargo VA loan and it is currently in a suspended foreclosure status right now. I missed a couple of payments but immediately contacted them to explain the situation and look for help. I was assigned a " specialist '' who literally did n't help us resolve anything. I eventually contacted the company customer service and worked with just about anyone willing to help me to learn what documents I needed to send it to get the process moving along. All in all- I am on the XXXX specialist. I ca n't send in any payments. I get a run around at every turn. The debt just keeps growing. I have been TRYING to work with them since day 1. Contacting them, sending in documents, taking phone calls ... .than being given a new specialist all over again. I am currently XXXX payments behind. Unable to send in new payments. And fighting to keep my home, but I do n't know our rights. Our current specialist will not give me any information of someone above him to work with us PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Alliant Capital Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
ALLIANT ALSO CALLED ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX IN VIOLATION OF F.C.P.A AND FDCPA, AND FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo routinely failed to apply my mortgage payment and can not tell me where the money was applied. I continued to pay on time and was never late. They then manufactured a default. After the foreclosure was dismissed several times, they sold the servicing to another firm ( potentially related to Wells ) and I could not get any answers. I continued to pay my mortgage through 7 years of foreclosure filings and refilling and they never told me where the money went. 

I am XXXX now, and was over XXXX at the time. I was forced to sell the house my husband built for our family over 40 years ago as they would/could not resolve and no other lender would lend to me because of the foreclosure. 

Sometimes, Wells Fargo employees would come to my home and harass me. XXXX. I cry when I see the Wells Fargo branches now. I never received my money back and had to pay astronomical fees on the mortgage when I sold.

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 2022-05-25
Company: Upstart Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was affected by the XXXX XXXX XXXX XXXX  during the months of XXXX and XXXX of XXXX. I was in and out of the ER due to XXXX XXXX as well as for XXXX XXXX XXXX that were increased due to the stress levels caused by the pandemic. Today XX/XX/XXXX I have attempted to reach an agreement with the lender. However they would immediately tell me it was a no go situation without providing me with other options until I mentioned I had filled a complaint with CFPB, then the representative created a complaint for further investigation. I am not trying to fool anyone nor provide false information to the bureaus I simply want to get my financial life somewhat back to what it was to the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Meridian Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX, a Timeshare company failed to inform me of a change of agencies collecting maintenance dues. This Time Share company did not call, or write to inform me of this change. They turned unpaid dues into a collection agency prior to giving me an opportunity to handle my maintenance dues and an appropriate way. Now this collection agency information is a negative on my credit report.

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 2016-08-14
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: First National Collection Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Received calls and mail correspondence from First National Credit Bureau in reference to a 2004 XXXX debt that was a result of identity theft but was sold to XXXX XXXX and now has been sold to FNCB. This debt has not and can not be validated. I 'm requesting assistance in handling this matter properly and swiftly. This is considered junk debt being that it is XXXX years old and besides it was opened in my name without my consent. I have attached the original police report and letter I received from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was paying through Sallimae before it was moved to Navient, I recall that I was n't making any wages during that time and my loan interest suddenly increased the actual balance significantly without notice. The account was suppose to be on hold until I was able to find a job. Currently, I 'm paying {$660.00} every month without any consolidation for my income or any help from Navient to be able to make these payments easily. I almost have no savings due to this issue and with a very high interest rate. In addition, they would try to contact you regardless of your status and really want you make these ridiculous payments ( sound like collection agencies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE is still reporting an account on my credit. As part of the agreement for paying the account they agreed to remove it since it should 've been paid by insurance ... I 've disputed it with XXXX but they keep claiming it 's verified. I like this account to be removed from my credit at once!!!

Company response to consumer: Closed with explanation