BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-14
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I AM LOCATED IN XXXX ILLINOIS. THIS STATE SEEMS TO HAVE FALLEN OFF THE RADAR FOR REGULATORS. IT ALSO SEEMS THAT OUR STATE REGULATOR- THE IDFPR, DUE TO FEE REVENUE, IS IN THE POCKET OF THE REAL ESTATE ASSOCIATIONS. 

OVERSIGHT AS A WHOLE SEEMS WOEFULLY INEFFECTUAL REGIONALLY. I SEE A GREAT DEAL OF COLLUSION BETWEEN REAL ESTATE BROKERS AND MORTGAGE COMPANIES IN AN ATTEMPT TO NOT DELIVER VALUE BUT TO CAPTURE MORE REVENUE SHORT FULL DISCLOSURE. 

WE HAVE MANY COMPANIES THAT ARE TIE INTO EACH OTHER USING 'MSA 'S AS A FIREWALL OR FRONT IN DIRECT VIOLATION OF CONSUMER INTERESTS. SOME OF THE FIRMS I WOULD LIKE TO MENTION ARE : GUARANTEED RATE, HOME STATE BANK, XXXX XXXX XXXX XXXX REAL ESTATE, PROSPECT MORTGAGE, XXXX WITH XXXX XXXX AND PILLAR MORTGAGE DIVISION OF XXXX XXXX XXXX. 

GUARANTEED RATE SEEMS TO BE PROLIFIC. THE COMPANIES THAT CHANNEL BUSINESS TO GR FOR PROFIT ARE, TO NAME A FEW, @ PROPERTIES, XXXX XXXX AFFILIATED, XXXX XXXX AND MANY XXXX OFFICES. 

CONSUMERS ARE NAIVELY DIRECTED TO THESE XXXX MORTGAGE COMPANIES AS THE REAL ESTATE BROKERAGES PREFERRED LENDER AND IN 99.9 % OF THE CASES NO DISCLOSURES IS GIVEN TO CONSUMERS THAT A FINANCIAL BENEFIT EXISTS BETWEEN THE FIRMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed XXXX income taxes for XXXX. Per my tax return and XXXX form, {$760.00} was withheld during the year. I overpaid and was due a refund of {$64.00}. {$700.00} should have been withheld instead of {$760.00}. 

In late XXXX, I received a Demand for Payment from the XXXX - stating I owed them {$700.00} plus interest. 

I sent them proof of payment, disputed the claim and requested documentation. 

I heard nothing further from them. 

In XXXX XXXX, GC Services sent me a demand for payment on behalf of the XXXX. 

On XXXX XXXX, I sent them a certified packet including copies of the documents I sent to the XXXX XXXX XXXX, tax return, letter with request for documentation ). In my cover letter to GC Services, I again requested documentation and issued a cease and desist of further demands for payment on the bogus debt. 

The certified packet receipt was signed by GC Services front desk staff on XXXX XXXX. 

The calls started XXXX XXXX. They 've called me four times and left XXXX messages, each indicating that I " have to '' call them and refer to a case number. 

I want to nip this in the bud. 

How do I make it stop?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Freedom Mortgage in late XXXX 2016. Our previous mortgage company sent a check to pay for the ( entire ) homewowers insurance ( {$1800.00} XXXX on XXXX XXXX. Then, Freedom Mortgage sent another check ( for {$1800.00} XXXX on XXXX XXXX, paying it twice. We found out about this when we received a check from our homeowner 's insurance for this double payment. My husband called Freedom Mortgage and ( after being told it was " impossible '' for it to have been paid twice by someone at Freedom Mortgage XXXX, was told to send a check with out account number and a note to " add to escrow shortage '' to a specific address. A check with those specifications was sent to the address given, and it was cashed in XXXX. I have a copy of the cancelled check from my bank. In XXXX 2016 we got an escrow statement showing our escrow was way below what was required by law -- -because they had never credited that check it to our escrow account. I have no idea where it was credited, but not to our account. We called and we were told to submit a copy of the cancelled check and a description of what happened to their customer service email address. We did on XXXX XXXX. And we heard nothing back. Then I sent another email ( forwarding the original with a new note saying we had n't heard anything regarding the issue ) on XXXX XXXX. I sent a XXXX email on XXXX XXXX, asking to please let us know the status within 24 hours. Nothing. So I wrote again yesterday again asking for an update within 24 hours, still nothing. I want to know what happened to our {$1800.00} and have it properly credited to our account!

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 2016-02-09
Company: Contemporary Information Corp
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello. Thanks for your help! 

This is in regards to a full file disclosure from a speciality CRA, Contemporary Information Corp ( CIC ). 

This CRA has run numerous reports on me in the past- including- a dispute with this company back in XXXX XXXX were reporting an expunged record- in which they eventually corrected ( confirmed in a paid report run XX/XX/XXXX ). In XXXX XXXX, they ran another tenant screening report which reported a 'code XXXX Must call customer service for a manual search. ' My full file disclosure request included the below language : " I am writing to request a free annual full file disclosure ( FCRA 612 ( a ) ), including all information recorded and retained, regardless of how the information is stored, including sources for the information in the file, information about persons who have procured a consumer report, and a record of all inquiries, as mandated by the FCRA and enforced by the CFPB. Please include definitions for any coded information as also required by the FCRA. '' " While this letter of full file disclosure request and enclosed identification fully satisfies all requirements of the FCRA Regulation V, please inform me in writing if there are any issues with this request. Any noncompliance of the FCRA or FACTA will be documented and appropriate actions will be executed. '' The response of the full file disclosure was simply a clean consumer report ( attached ). 
There is : -no record of the report ran on XX/XX/XXXX ( attached ) -no record of the report ran on XX/XX/XXXX ( attached ) -no mention of the coded information on report from XX/XX/XXXX -no definitions of coded information -no record of the prior dispute -no source of information from previous dispute -no information about the persons who have procured a consumer report on me All supporting documents are attached and labeled. 

I am looking to receive a proper full file disclosure - EVERYTHING that this company has in my file - not just a clean consumer report ( CIC sent me a clean report in XXXX XXXX and somehow sent out the 'code XXXX ' report in XX/XX/XXXX ). 

In summary- CIC originally issued an inaccurate report, claimed it was fixed after a formal dispute, later issued a report with some sort of coded flag on it, and then issued me a clean report when I asked for a full file disclosure. 

These guys keep messing up my report and now are n't following proper protocol for a full file disclosure. Can I please get some assistance? Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Carrington Mortgage has reported that I was late both one month and two months on a Mortgage XXXX XXXX. The home was sold during the month of XXXX XXXX before the end of the month. We closed on the house XXXX XXXX, and the loan was paid off before the XXXX of the month. Carrington Mortgage knew that the loan was closing and provided the closing amount. We were asked not to pay on the loan in XXXX because the documents had been created for closing. I have attempted two times to have them remove this error from my report and they have refused. It was last reported late XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was once a customer of Wells Fargo. One day, someone deposited a fake check into my bank account. When that happened, Wells Fargo decided to close my account instead to finding out what happened or to explain to me why my account was closed. It has been few years since that happened and I went back to Wells Fargo to try to open up an account, but they told me that I could n't and contact you guys. The paper in which the teller printed out for me does n't have any explanation as to why I can not open another account with wells fargo. I would appreciate it if you guys could tell me the reason why I ca n't open another account with Wells Fargo and if I could open one up later. If there are some fees that I have to pay, I 'm more than willing to pay, I just want to know why I ca n't open an account, and if I can, how I would open one. 

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 2016-11-18
Company: First Service Residential, Nevada, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a letter a few weeks ago from a debt collector apparently trying to collect charges from 2007 when I originally purchased my house. I have looked up Nevada law and the statute of limitations for collections in Nevada is either 3, 4, or 6 years, depending on the type of debt. A debt from 2007 would fall outside this period, and thus, the collection company needs to stop contacting me. Additionally, they had a man come to my house with a " certified letter '' that threatened that they would file a default judgement. This is illegal as they have no standing to bring a case in Nevada as this is outside the statute of limitations and having a collector come to my house is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: United Student Aid (USA) Funds
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX attempting to collect a debt. I replied with a letter on XXXX XXXX with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the bbb regarding this matter. I also stated in that complaint that I wanted XXXX to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that XXXX did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, United Student Aid Funds, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX just because he says so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have various checking accounts at Wells Fargo and use the online payment system from XXXX to make payments by check, which is mailed to the recipient. Recently I wrote a check for about {$2300.00} to my insurance company for a homeowner 's premium. This was to replace policy I had paid for a week or so earlier with a better one recommended at the last minute by the agent. I asked the agent to hold onto the check until I had received a refund from the other policy, and she has kept the new check on her desk. But in the meantime, Wells Fargo debited my account for the {$2300.00}, causing the account to go into overdraft and impose a {$35.00} fee. When I complained, WF reversed the overdraft fee and explained that this type of payment is debited from the customer 's account on the date specified by the customer when the payment is ordered, but that the payment is not forwarded to the recipient until the check is cashed. The representative had no answer for why this should be different from the procedure with a traditional check. In my view, the bank is not at risk in this transaction, because it could simply refuse to clear the check if there were insufficient funds in the account, as it does with ordinary checks. I feel the process is designed to increase the odds of an overdraft for which a fee can be charged. It is similar to the practice of booking withdrawals before booking deposits, even if they come in the same day. This practice should be barred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My employer has taken the initiative without validation of debt in garnishing my wages from XXXX, I do n't even know who they are and now I am on the verge of becoming homeless not able to cover all bills including my entire rent. I know as a consumer I am very aware of the guidelines under the FDCPA and the supervision of the Federal Trade Commission and I am not to be garnish anything without seeing a judge in court. I am ready to take legal action against them if first XXXX does n't validate the debt, I will pursue to file a complain against them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo continues to delay an application for refinancing. I talked to a woman named XXXX and she indicated that I would receive phone call this week and so far I have not received call. Our application started in XXXX, Wells Fargo continues to provide excuses. The last excuse is that the last loan processor was at wrong desk that 's why we did not receive call. It seems they keep delaying the process so applicant has to get hire rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo issued me a final credit on a disputed charge in XXXX 2015 then two days before XXXX they reversed that final credit leaving me with no money for XXXX. They have reopened my claim yet fail to do anything or refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Wells Fargo has repeatly taken money out of my account for items that I have not done, such as cash advance fees, and interest charges.

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 2015-09-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
Wells Fargo offers cellular phone " insurance '' against damage or theft if you pay your cellphone bill with their credit card. I have been on auto pay to pay my cell bill for five years. In XXXX 2015 XXXX cell phones were damaged : XXXX dropped and died, other flooded in a storm while in my pocket. WF ins co says that the to be eligible for the insurance in the month of the loss/damage the prior month my cellphone bill had to be paid by my credit card. Note I have never had a prior cell claim so it is n't like I am working the system. Well ... XXXX pulls my cell bill from Wells Fargo credit card on the XXXX of every month UNLESS it is a 30 day month then the payment is pulled the XXXX of the next month. My XXXX payment was pulled XXXX XXXX thus in the month prior to my loss there was no payment. I think this is a financial company trying to wiggle out of their obligation on a technicality. The claim administrator satisfying the Wells Fargo guideline phone number is XXXX and my XXXX claims are XXXXand XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This has been ongoing for months with Wells Fargo and am really tired of it. It is causing emotional and now physical stress and making me sick. They messed up payments for hazard insurance, I more than compensated with extra payments, made even more payments to cover anything in escrow and yet they still are keeping my mortgage payment over {$200.00} higher than agreed when I got the mortgage. they have refused to put the monthly payment back where it belongs with no valid justification. Why is it that the consumer is always faced with this type of mismanagement of our accounts and you all do nothing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Ordered a tent and equipment rental from XXXX for an event XX/XX/2016 in XXXX, Wisconsin and paid with my WellsFargo debit card. XXXX was not able to complete the job appropriately as their weight system did not fit into the required XXXX space allotted at the show .The tent they installed also had rips in it. The tent also was installed incorrectly and had tears in it. I requested that XXXX return to the site to fix the problem. They stated that they could not fix the weight issue as it was a liability so they could not fix to fit in with my allotted space. ( see texts and photos from event essentails ) They stated - too bad, that they would just pickup the equipment. 
I filed a dispute with Wells Fargo including photos and copies of all communication. Wells Fargo issued me a provisional credit then did n't do anything and reversed the credit last week. I have requested for them to reopen the claim and find in my favor but they have n't responded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I used my debit card to make a large purchase for a laptop on Saturday ( XX/XX/XXXX ). Due to communication, me not understanding the limits on the card we ( the store and I ) agreed to cancel the transaction to get that information sorted. However, during the transaction my card was run through. My account was debited 1200 dollars in less than a minute. Since the daily limit is XXXX ( and I do n't have an extra XXXX floating around to accommodate the bank ) I was unable to make my purchase that day. I could have lived with that but now it is Wednesday and that transaction is still pending. If it had been an emergency I would have been completely stuck. 
I contacted Wells Fargo and they told me i would have to wait 3-5 days. My concern is that there is n't going to be any further communication from the merchant since it is an incomplete transaction. In previous dealings I have seen ligitiment transactions sit for weeks and they have blamed the merchant. Regardless of when or if it clears they should not be able to let transactions sit like that. 
Additional note ... I have been taking screen shots of that transaction daily. Everyday it is in pending the date changes which makes it appear as if it has been there for 1 day. This is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Windham Professionals, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Windham Professionals called my cell phone and presented themselves as a company looking for a reference to hire my ex-wife and asked for her contact information. I have not had contact with her in 6 years and our last names have not been the same for that long. I asked if they were collecting a debt and they answered " yes '' and hung up the phone. I called the number back to see what the company was. This is the second call I have received from them after asking them never to call me again, I have nothing to do with my ex-wife or her debts. The fact that they are misrepresenting themselves, calling a mobile phone they likely should not be calling, proves this company should at least be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief