BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I sold my house in XXXX XXXX, XXXX XX/XX/XXXX. Two days prior to the new owner taking over, I boarded a plane to XXXX. All of my belongings including furniture, clothing and automobile, were also transported. The money from the sale of the house was deposited in my bank account shortly after my arrival. I immediatly began paying bills. Since I had used online bill pay for years it only took a few days for my creditors to receive payments. My credit card debt was about XXXX. when I left XXXX, I paid about XXXX, and today I owe about {$8000.00}. I would love having a home, that I can call my own. One day saw a house for sale in the neighborhood I like. I contacted a realtor regarding this particular home, the asking price was XXXX. Immediatly I was transferred to their Loan Department. Later that evening the representative telephoned me to advise me that my credit score was very low ; too low for financing a home. He was somewhat rude, like I just wasted his time. He said I had tons of credit card debt and my house in XXXX XXXX appeared to be involved in a " quick sale ''. He added, there was no way I could get a home financed. 
I amXXXX a XXXX XX/XX/XXXX, I had planned to put the house on the market immediatly, but I love XXXX. It was not untill XXXX XXXX when I sold the house and began making plans to leave. I shipped furniture, household goods and belongings including my car to XXXX where I was raised and have family and friends. The cost of housing is so much lower in XXXX. In XXXX my total mortgage payment was {$3100.00}, and due to the type of loan it would have increased over the next 2 years. 
Another factor which caused my financial problems was, teachers did not get a raise for almonst 10 years. Finally XX/XX/XXXX teachers were given a raise. In XX/XX/XXXX I had to get out of one of those preditory loans, and the new loan started out at 3 % interest for the first 3 years but increased 1 % each year after. I began to use credit cards for groceries and for everything I could not afford. Fortunetly my house was beautiful. I purhased it in XX/XX/XXXX and remodeled the kitchens and bathrooms.

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 2016-03-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney XXXX that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with XXXX attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney XXXX to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX XXXX retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.

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 2016-09-15
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The purpose of this complaint is to voice my concern over an allege fraudulent account that may have been opened in my name. 

Additionally, I have had a mortgage account with Wells Fargo for over 20 years. Just recently I experienced several set-backs with my finances and asked them to work with me in a possible " loan modification ''. Wells Fargo refused and requested that I seek out other Government Agencies for help. Since I have been a loyal customer with Wells Fargo, I want your office to intervene in processing my request for assistance in paying my past due mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a re-fi loan on my home with Navy Fed. Union the loan application took over 8 months with multiple problems and issues. I am a XXXX service XXXX and within the last 3 yrs XXXX these people told me in the beginning that I did n't have a VA loan I submitted XXXX mortgage applications I finally signed the papers to finish the loan process but I was unhappy with the new higher interest rate. I believe all paperwork for this loan over the last 8 months should be reviewed by the Bureau as the whole process has been very stressful for me and they have not resolve any of my 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 2015-07-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Servicing rights to our account were transferred to Bayview Loan Servicing effective XXXX/XXXX/15. The first mortgage statement we received from them was dated XXXX/XXXX/15. The account balances quoted on Bayview 's statement did not agree with our own records. Our records are built on a document called " Simplified Transaction History '' sent to us by the president of a prior servicer. He assured us that this " Simplified Transaction History '' was an accurate representation of our account as of a given date. We based our records on this Simplified Transaction History and recorded all of the account activity since that specified date, thereby developing an up to date record of our account. Upon receipt of the mortgage statement from Bayview, we submitted a " Qualified Written Request '' disputing the balances shown on their statement dated XXXX/XXXX/15. Enclosed with our QWR we submitted ( a ) a copy of the Simplified Transaction History sent to us by the prior servicer ; ( b ) a copy of the letter from the president of the prior servicer stating that the Simplified Transaction History was an accurate representation of our account on a specific date ; ( c ) a copy of spreadsheets distributiing the entries in the Simplified Transaction History to each entries component parts ; and ( d ) a copy of a spreadsheet recording all of the activity on the account after the specified date. Bayview 's response to our QWR was dated XXXX/XXXX/15. Their response did address the Simplified Transaction History. Their response did not address the letter from the president of the prior servicer. Their response mentioned our spreadsheets only to say that the resulting balances did not agree with their own record. They did not identify any errors whatsoever in our records. With respect to their own records, they did not provide and documentation showing how the balances in their statement was developed. We have written them several QWR 's and letters but they refuse to address our disputes in a meaningful manner. 
Bayview 's correspondence states " Bayview Loan Servicing , LLC is a debt collector ''. Since Bayview has not ceased collection of the debt, we consider them to be in violation of the Fair Debt Collection Practices Act. Since Bayview has not corrected their records or provided an explanation of the discrerpancy between their records and our records which are built on documents sent to us by a prior servicer, we consider them in violation of RESPA. Such disregard of the statutes governing their activities can not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint with the necessary appended documents against Ditech on XX/XX/XXXX with CFPB and it is case number XXXX. On XX/XX/XXXX Dietech responded to the complaint in an unsatisfactory fashion. I expect to know when I will get clear title to my property, a detailed accounting of my escrow account and evidence that my credit history is clear of anything related to Ditech. I paid my mortgage off XX/XX/XXXX and this is still open. The contact telephone number given by Ditech allows only for a recorded message to be left. Once again they are avoiding any contact with clients.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After my last compliant with Navient not applying my full payment I now see that they have added a late fee to the Consolidation Loan which is NOT  Late. You will see  from the documents that the payments are do for the smaller loans on the  XXXX  and the Larger Consolidation Loan on the  XXXX .     We as you see from my attached statements that the online system is showing a late fee of {$38.00} for my Consolidation  Loan  is being added even though you can see all my payments were are on time. After my forbearance my first payment of  XXXX  was due o n  X/XX/17     which I paid in full ( the payment include a number of fee which they did not want to properly note on my account ). Now I see that they have added a {$38.00} fee to my  may  bill for the Consolidation Loan account even though I paid the bill on    XXXX   XXXX    in full for the mount of {$690.00}, the other  XXXX  was paid to the other loans that was due on    XXXX   XXXX   XXXX     .     Why does  XXXX  continue not to process payments properly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midwest Recovery Systems is attempting to collect on behalf of XXXX. This is a FRAUDULENT claim on my credit report. This is NOT my loan/charge. Midwest Recovery has not provided proof and continues to claim the information on my XXXX credit report is correct ; it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I had work done to my home through the XXXX. Instead of cash out of pocket, the work was paid via my property taxes. Due to the timing of the completion of work and when my taxes would be paid, my Escrow analysis would not reflect the shortage until it was completed XX/XX/XXXX. I put money aside and paid the shortage and told them about the ongoing payment method and they said they would do an analysis. When I got the new statement for the following month, I adjusted my auto debit accordingly. When I got all future statements, I simply filed them without reviewing them as the correct amount was being deducted from my bank account. It was not until the last week in XXXX, XXXX while discussing a pending refi ( with XXXX XXXX ) of my home that it was identified that my current Mortgager, Ditech had completed that Escrow analysis incorrectly and I apparently had another shortage going on of {$95.00} for the past 11 months. I immediately called Ditech and their customer service person was XXXX. All she would say is that she would order a new Escrow analysis. I asked for a point of contact, but was told that, that department ONLY communicated either via FAX or postal mail ... not via telephone or email ... in this age of technology??? I asked what I should do if I had any questions after this new analysis was completed and was told to call customer service ... Now, please explain the logic in that. She did not know how to help me other than to order a new analysis ( although she initially said to wait for my next analysis until I pushed the issue ) so I should call her back if I have questions about work completed in a department that is not accessible by Ditech 's customers??? Anyway, it has been longer than the amount of time she said it would take them to do this and I have yet to hear back from them. I did send a letter on XXXX/XXXX/XXXX to their corporate headquarters. The only result I received was a phone call from them saying, " I was told to call you because you have questions regarding a refi? '' I did n't put two and two together until after I told him I was in the process of doing my refi with another company because when I called them last month to see about it, the person I spoke to was very abrupt and unprofessional. I have NEVER been late or missed a payment in the 22 years I have lived in this house. I trusted that they were the specialists and that when they notified me of the increase in my monthly payment, it was all encompassing the new tax bill amount. I was extremely unhappy to have been treated the way I was and now I have to come up with nearly {$1200.00} because of their error. This is just not right!!! Sorry for this statement, but it seems the inmates are running the asylum.

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: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Midwest Recovery Services made a negative report on my credit report. They did so on behalf of a company called XXXX XXXX XXXX XXXX. I have never received anything in writing about a debt owed to The XXXX XXXX XXXX. I never had a payday loan from this company. The Midwest Recovery Services never contacted me about a collection on a debt owed to anyone. I have tried to get something in writing, but have yet to receive anything. There is no debt and I believe that They are attempting to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: GULF COAST COLLECTION BUREAU, INC.
State: LA
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 continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-01
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling my employer often, and asking for my " where Abouts '' They claim they are going to have me arrested, or sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Midwest Recovery Systems
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection agency, which I have never heard of or from, has reported negative information to the major credit reporting agencies and has lowered my credit score. 
How can a business do that without contacting the person they claim are owing the debt? 
The debt is from a payday loan company that I have never heard of so I am curious how I can be in collections for something I know nothing about. 
Imagine the surprise when I found this unpaid debt on my credit report just out of the blue. 
CFPB is asking for me to attach any supporting documents. How can I do that when I have n't heard from either party. haha

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TSC Accounts Receivable Solutions
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:
They are reporting multiple items on my credit report saying I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Southwest Recovery Services, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have not received any communication from this company. It 's reporting to my XXXX credit report and the original creditor listed is XXXX XXXX and I 've never had an acct with them or purchased any merchandise from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a letter from this company demanding payment. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 2015-12-06
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
recently I noticed that an amount of {$89.00} has been deducted from my checking account at PNC bank on the XXXX of every month from XX/XX/2015. I made several calls to PNC bank to identify who isa taking my money. At first PNC ban told me it was XXXX XXXX. I checked to make sure XXXX has not been taking money from my PNC account. I called PNC banks again to say that and I dont know who has been taking my money. I told them I need to know the company and theit TP number but they kept telling me they dont have that info., I found this bizzare. So I lost almost {$270.00} from my PNC account but PNC cant tell me the XXXX no or the merchant. Please help me to recover these funds that I work 6 days a week to earn. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: PNC Bank N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've already filed a complaint with the Federal Trade Commission, # XXXX 0n XXXX XXXX 2016, only to find out I needed to file a complaint with you. On XXXX XXXX 2016, someone who was pretending to be me had {$33000.00} of credit card debt and {$1000.00} of finance charges transferred to my PNC XXXX credit card. No one from XXXX contacted me about this. I discovered it a few days later. To XXXX credit, they removed the bogus charges from my account. I was concerned that I may have been the victim of identity theft. Apparently, the person pretending to be me had all the necessary information. Well maybe not. I asked XXXX if I could listen to the tape of the transaction in order to verify this individual was asked for and gave the proper verification information. XXXX said I needed to file a police report, which I did. Then they told me that the Fraud Department would get back to me. I 've spoken to SEVERAL people at XXXX, all of which were no help. The last one I spoke to was XXXX XXXX XXXX. He said that the person pretending to be me had my last XXXX, address, and birth date. Whenever I have call into XXXX, they ask me XXXX questions. The XXXX mentioned and another personal question. I wanted to know if the person who pretended to be me had that information. XXXX was not able to verify this point nor would he attempt to. It 's my opinion that XXXX did not properly identify the person pretending to be me and transferred {$33000.00} in debt and {$1000.00} in finance charges. This would explain why they will not let me listen to the tape.

Company response to consumer: Closed