BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: U.S. BANCORP
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
on XXXX/XXXX/2015. i obtain a copy of my credit report and I saw an inquiry made by a company name mid america Bank XXXX XXXX I called the company in XXXX, but they refused to cooperate. The company has engaged in identity theft and has pulled my credit without my consent. I have not applied for a credit card, nor try to obtain any goods from this company. So I decided to file a complaint, The inquiry shows up onXXXX credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: National Principal Group, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NPG National Principal Group XXXX has been calling my cell phone several times a day leaving screaming messages, threatening to use any means necessary to find a family member of mine. They use a recording to state the family member name they are looking for but the rest of the message is live. They state I need to call them right now and provide them the information they seek regarding this family member or they will continue to use any means necessary to locate this person. I called them, a woman answered when I asked for her name and her company name because she just picked up the phone with " hello '' she began screaming at me wanting me to give her my cell phone number. I told her I was n't giving any information until I knew who she was and what company. She said XXXX and NPG. I asked what NPG stood for and she screamed at me stating I needed to allow her to assist me by giving her the information she asked for or she would disconnect. She stated I better let her assist me or she was disconnecting then counted to XXXX and hung up. I called back she answered again. I told her she could tell me what her company name was and why she would be looking for a family member or I would not help her. She then said she could not tell me the " plethora '' of things her company did. I asked what NPG stood for and she finally gave me National Principal Group. I again asked why they would be calling me about a family member. She stated she could n't tell me that until I gave her the family member name or my cell phone. I told her I ca n't give her anything until she tells me what her company does, she again refused to tell me what her company does. I said well then I ca n't help you with the information you seek from me and I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I went to XXXX XXXX in XXXX Fl ... ... I was told by staff that all the loans I had were Stafford loans. I am XXXX and when I tried to get all my loans taken care of that was when I learned that I had a private loan through XXXX. That was and is very deceptive on XXXX part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Ocwen Financial Corporation
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with Ocwen Loan Services ; we recently received communication from XXXX that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both Ocwen and another agent that had purchased the account, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job XXXX 2016. Was on unemployment. In XXXX I contacted US Bank mortgage advising them of my job lost. Had problems back then getting anyone to return calls. Had to file complaints with anyone I possibly could. I finally filled out paper of a reduced mortgage payment plan and was approved thru loss mitigation in XXXX XXXX XXXX Was suppose to be able to start with no payment in XXXX 2016. Receiving bills stating I am late on my payments now and need to pay {$900.00} plus dollars to avoid foreclosure. Have tried contacting my case manager XXXX several times. We played phone tag. Now I am not getting any return calls from her or anyone at US Bank. Left messages XXXX XXXX 2016 for XXXX and on the main phone number. Also wrote Us mortgage on XXXX XXXX XXXX am tired of dealing with them. This is my home we are talking about. They do not want to work with me. Which is very wrong!

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 2015-08-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was bought out by Chase after closing on my house. My PMI was suppose to drop off once my Loan to Value ( LVT ) ratio hits 80 %, my LVT ratio has hit 65 % and the PMI still has n't dropped off. I have contacted them 3 times and they are unwilling to drop it off saying I am not eligible, when the law and terms clearly states it drops at 80 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
I XXXX XXXX XXXX is disputing inaccurate information on an previous account with Bank Of America. I had the account bank in 2012 but I did n't attempt to transact with an account in any way. I had my Identity stolen from me at that time. I reported Identity Theft to all. Please help Contributor : Bank Of America Contribution Ref # : XXXX Bank Routing # XXXX Account # XXXX

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 2015-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Harassment by Bank of America. Case numbers XXXX ( XXXX ) and XXXX ( XXXX ). Requested that their representative XXXX not to contact me ( phone or visit my house in person ) to sign notarized papers on home mortgage modification. XXXX left written notification at my house ( exact date unknown-notification letter not dated-estimate occurrence between XXXX XXXX XXXX 2015 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX, I contacted XXXX to apply for a refinance mortgage because it was advertised in TV that XXXX encouraged all veterans to apply for the XXXX loan. My husband and I are both XXXX veterans. We served during the XXXX era, and wanted to apply for the loan. I talked to XXXX XXXX, licensed XXXX specialist, and he ask me information about our condo, mortgage payments, insurance, and incomes. I provided him all the required information for the loan application. Apparently, he informed me that he needed to do a credit report in order to check whether we qualified for the XXXX loan. Unfortunately, he informed me that I did n't qualified and also denied the loan due to 150 days late with Wells Fargo mortgage loan. XX/XX/XXXX, Wells Fargo was paid off in the amount of {$290000.00}. Currently, my credit report still shows that I was 150 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Wells Fargo. I tried more than three times to contact, XXXX XXXX XXXX, Executive Resolution Specialist, and also left a complete message to contact me, but she never returned my call to discuss about the inquiry. She lied about unable to connect with me. XXXX XXXX never mentioned that I had to pay Well Fargo attorney fees which was included in the {$290000.00} that was paid in full XX/XX/XXXX. According to the email dated XX/XX/XXXX, my former broker had email me about his conversation with XXXX XXXX, that an amount owed was {$16000.00} plus attorney 's fees. Wells Fargo attorney was XXXX XXXX XXXX. We went through financial hardship due to the furlough, and it was taken to consideration. Unfortunately, Wells Fargo placed us in a much more burden when they threaten foreclosure on the XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX had to answer to the foreclosure Notice. According to XXXX XXXX, Executive Resolution Specialist, the foreclosure action reported on XX/XX/XXXX, will remain on the credit report as part of the loan history. Apparently, this will deny all my loan borrowing and disqualify us. Subsequently, my credit rating still shows a delinquent of 150 days, and is affecting my loan borrowing. In the past, Wells Fargo had harassed me at work, home, and even in emergency room. In the past, I had ask XXXX XXXX XXXX why Wells Fargo, would call my home phone number frequently dawn to all hours of the night. This is not a matter of confusion and frustration. Wells Fargo is too harsh to customers like me and in the future do not threaten, harass, or cause conflicts. 
Finally, XX/XX/XXXX, Wells Fargo had charged for bounced checks in the amount totaling {$660.00} due to systematic computer error.

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 2016-01-14
Company: WELLS FARGO & COMPANY
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
As a Wells Fargo Business Client - I requested information on options for my company. I was asked to validate annual sales and deposits - instead of a structured solution - the Wells Fargo representative XXXXXXXXXXXX pulled my credit and declined the loan without a structure, a consultation, or worse yet - he did this without my written, verbal, or electronic permission. I stated in the email response to him that I wanted a structured idea of what i needed to do - I am am LLC that might switch to an XXXX XXXX, I have {$120000.00} in home equity and wanted to start a line of credit for my 8 year old company. I asked for options and this over zealous loan officer broke the trust and the law by making an unauthorized application in my name/company name. 

I complained to the bank and got the run around that it was a misunderstanding and that they were sorry i was mad. 

The reason for this attempt is that I am a US Based Small business - we have never bounced a check, never had a complaint and when Wells Fargo turned us down two years ago for a line of credit, we opened a Junk Mail and applied for a line of credit in New Jersey - they gave us {$70000.00} in 24 hours at 30 % daily pay - as a business owner, I have tripled my companies gross sales with the financial help and was only trying to get my business loan with the same bank that I trust to process my credit cards and payroll. I was trying to see what was offered by Wells Fargo as they brag about how they care about Americas Small Business - I was wrong in thinking this way but they still do n't have the right to pull my credit without my written, verbal, or electronic permission - it is unethical and shady - Can this agency please help this small business owner?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: WELLS FARGO & COMPANY
State: VT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo opened a line of credit account in my name without my consent. I have been on the phone with them for hours over the past few months trying to close out all accounts with them. Their phone representatives tell me the accounts have been closed but I keep getting statements for a line of credit stating the balance ( which is XXXX ) and the available credit I have.

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 2016-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived at either one of these addresses and would like them removed from all credit reports XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company is Loancare LLC out of XXXX, VA. They received my payment on XX/XX/2017 but returned it for insufficient funds. I know for 1000 % that the money was in my account and the bank never charged me an overdraft fee which would have happened if the check was truly returned. I 've emailed them but I 'm not expecting a response due to their track record online. SHUT this company down. How many bad reviews do they have to receive before someone will do something? I am literally 2 months into my very first mortgage and already having issues with them.

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 2016-05-05
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This complaint is about BBVA Compass Bank. I received a car loan with them in XXXX of XXXX. I made every payment on time. I recently bought a new car and was informed that the Compass car loan does not show up on any credit reporting agency. three and a half years of on time payments do not show up anywhere. However, in XXXX they closed a credit card account because they reviewed my credit report on XXXX and it was n't up to their standards. That negative closure shows up on all three reporting agencies but the fact that I have consistently paid 3 times the minimum payment since the closure does not. They only show I pay the minimum payment. I called Compass. Nothing they can do about the credit card. I called about the car loan. I received a message that they had fixed it and I could return to the dealership after XXXX XXXX and it will show up. It does not. it is now XXXX XXXX. They 've done nothing but damage my credit and refuse to show that I have never been late, that I pay more than the minimum on XXXX the car loan and credit card and never even reported the car loan to the credit bureau. They have severely negatively impacted my credit and I have no idea how to get them to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/15 we were contacted by XXXX XXXX ( XXXX ext XXXX ) who advised me that we had been approved for an FHA modification. She said we were on a 3-month trial period payment plan and that after successfully making the 3 months payments on time ( XX/XX/XXXX, XX/XX/XXXX and XXXX ), our interest would drop from 5.25 % to 4 % and our payments would become lower than the trial period payment plan payments were. She said there would be no principal reduction. I just called to find out what our new lower payment would be beginning in XX/XX/XXXX and was told that we had to continue making the higher trial period payment plan payments because the paperwork had not been finalized. I was also advised that it could take 3 or 4 months for the modification to become final and we could begin making the lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Kings Credit Services was paid in XXXX of this year for an old debt ( originating around 2010 ) earlier this year that was listed on my credit report as a result of a stipulation for qualifying for a loan to purchase a home for my family. In XXXX they served me and my spouse with a summons that they are suing us for additional old debt they found after they received the a check for the original listed debt. This collection agency never contacted us regarding any debt owed to them, nor attempted to collect it. The old debt was discovered by my lender on my credit report. Since paying them the collection agency has since filed a suit against me and my wife to collect additional old debt, ( approx : {$2500.00} in old medical services ), and in XXXX of this year listed the additional old debt from 2010 with credit reporting agencies, resulting in negative affects with our credit score. My question is if California has a statute of limitations on debt collection related to actions a creditor can take, how are they able to sue a time barred debt, and is n't that against the law? Not only that, the documents related to the medical services they sent me do n't match the amounts listed on the court summons for which they are suing me for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: URS Holding, LLC
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a call out of the blue from a debt collector saying I have an overdue account with the college I went to. I asked for an itemized statement from the school showing what I owe. On the receipt was over XXXX XXXX in collection and late fees.The man I spoke to from ERS said I had 30 days to pay or it would be marked on my credit. I asked if there was a way to lower the amount due because i did not know i had the over due balance and would have happily paid the amount due before the charges, he said they could settle with the school, and it 's usually 85 %. He told me my best bet was to take out a loan so I could pay them and just make payments to the bank and keep my credit safe. I told him I would try to do that, while he settles with XXXX. We agreed to aim for {$3000.00} to settle the account. He said he would get back to me by the end of the week. He then took my bank account number and routing number, thinking he needed it for verification purposes I gave it to him. Then I got a loan that week but never got a call back from him. After calling several times that week, the next Monday, and tuesday, I finally got a call from a different person at ERS. This person then told me that the payment was received but XXXX wanted an additional {$400.00}. Surprised, I asked what payment. He told me that the payment for {$3900.00} cleared the previous week. I then checked my bank account and sure enough the payment was cleared. I then said I never authorized a payment, and the other man said we would settle for much less and he never returned my calls, this new guy says " yeah I see that he did n't contact you, I 'm sorry he should n't of done what he did, he does n't work in this department anymore. '' I feel that this is very unprofessional and feel that I am being taken advantage of. The man said they still had to collect the {$400.00} but I said I was not paying anything until I spoke to someone about this, which is why I am contacting you. I think that there is fraud going on here and definitely unfair debt collecting practices. They should have never just taken the money from me. There was no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Focus Holding Company
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 is not mine

Complaint:
I have a collection on my credit report from XXXX XXXX XXXX. I 've never had XXXX. I had this problem with another collection agency and it was taken off. I do n't know if they passed this on to another collection agency or not, because the amount is the same. I 've spoken with this company several times and they could n't give me any info on the debt. The XXXX time I spoke with them back in XXXX they said they would remove it and they have n't

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Maury Cobb, Attorney at Law, LLC
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:
For the past six weeks I have been receiving daily automated calls from " The Law Offices of Maury Cobb, a debt collection .... ''. The calls are coming in from multiple local phone numbers in spite of the fact they are located in Alabama. The calls also do not ask for anyone by name ; only that their call is returned to XXXX. I do not have any debt, whatsoever, that is in collection, therefore do not find any reason to " return '' their call. 

Upon further research into this individual/organization, I have found overwhelming information that leads me to believe this is purely a scam if not outright fraud by an individual that has purchased some very old debt, often times debt that was discharged in bankruptcy or long past being collectible under the Fair Debt & Collection Practices guidelines. I also find these phone calls odd as I have never received anything in writing about anything that even resembles outstanding debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Capio Partners is reporting to the credit bureaus that I have medical debts that were opened up on XXXX XXXX, 2015 which the date of service that I needed medical attention happened years ago. First, I do not have any knowledge of receiving notification of these debts and who are asking for payment. Second, they are reporting the debt to credit bureaus with a recent collection date making the FICO scores drop because the system think that this is a new collection instead of reporting the date as to the last date of service.

Company response to consumer: Closed with non-monetary relief