BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX we received mortgage servicer, Carrington Mortgage Services ', " HAMP Non-Approval Notice '' dated XXXX/XXXX/XXXX. Carrington Mortgage Services ' denial letter listed the reason for denial as " Application Discrepancy '' ; further described in their letter as " Reasonable evidence exists indicating that you submitted income or other information that is false and/or misleading in connection with your application for a loan modification under HAMP. '' On XXXX XXXX, XXXX, I contacted the assigned single point of contact, XXXX XXXX, for a more detailed explanation. He explained that during a XX/XX/XXXX Carrington Mortgage modification review, the borrower hand wrote his unit number on his paystubs and that due to this, Carrington Mortgage now had reasonable evidence that the loan modification documents provided for this XX/XX/XXXX modification review are fraudulent. I advised XXXX XXXX the same information that was advised back in XX/XX/XXXX, that the borrower hand wrote his unit number " XXXX '' on his paystubs because it was incorrectly represented as unit " XXXX. '' The borrower did not intent to mislead or misrepresent information ; he simply wanted to correct a clerical error on his paystubs and did not anticipate the simple correction to be taken as fraud. 
XXXX XXXX advised that a written appeal letter together with a cellphone bill, internet bill or cable bill as further proof of residency, would prompt a review and if documents are deemed acceptable -- a re-opening of the currently closed XX/XX/XXXX HAMP loan modification review. 
Therefore, on XXXX/XXXX/XXXX, we sent Carrington Mortgage an appeal letter along with a XXXX cell phone bill dated XXXX XXXX, XXXX, with XXXX XXXX 's address listed as : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, as further proof of residency. 
On, XXXX/XXXX/XXXX, we received a " Non Approval Notice '' dated, XXXX/XXXX/XXXX, regarding our formal appeal letter dated XXXX/XXXX/XXXX. The letter stated Carrington Mortgage is unable to provide mortgage assistance because " Upon completion of the evaluation, CMS has determined that the documentation you have provided does not change the original denial disposition. '' On XXXX/XXXX/XXXX, I spoke with assigned single point of contact, XXXX XXXX, who stated the reason for the appeal denial was due to property inspections Carrington Mortgage performed which determined the property is tenant occupied and not borrower occupied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Other

Complaint:
I am a identity theft victim yet Discover bank failed to protect victim and consumer which violated consumer right. Discover refused to accept identity theft report and filed a civil lawsuit against me. I urge cfpb report this to media and subject Discover bank to a penalty fines. The public media must know about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX XXXX, 2009 I was granted a discharge for a Chapter XXXX bankruptcy. I included XXXX non-federal student loans in my Chapter XXXX bankruptcy and was granted a discharge by a federal judge. XXXX and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recently came across my bankruptcy discharge and would like to file a complaint for the civil contempt of court made by XXXX and American Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I believe the apartment leased was uninhabitable after 4-5 months of dealing with schedule XXXX XXXX being leaked from another unit into mine on top of constant water flooding of my unit from above. I contacted the manager no less than 10 times through written and verbal complaints about these issues. 

I left a notice of abandonment and vacated the property on XXXX/XXXX/2015 leaving it in reasonable condition. 

The company is currently trying to collect {$4800.00} for around 45 days of rent while they tried to collect a premium renting my unit. They eventually leased it for around {$200.00} less than I was paying at the time.

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 2016-05-27
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection account appeared on my credit report fraudulently. I have never been billed by any medical provider or received any correspondence from Credit Adjustments Inc. about owing any debt. This item has been placed on my file without giving me the option to dispute the account, because the debt is not mine. I have filed disputes with XXXX and the company continues to auto-update the account without any proof of it belonging to me. I would like this item removed immediately.

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 2015-08-04
Company: Associated Credit Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I discontinued service with XXXX XXXX ( original creditor ) in XXXX XXXX. XXXX XXXX made no attempt to contact me about a past due balance prior to selling the account to Associated Credit Service, a collection agency. I did not become aware of the debt until noticing the collection account for {$340.00} on all three of my credit files. Associated Credit did not inform me prior to posting the derogatory information in my credit files. According to the date listed in XXXX, the collection information was posted over 60 days ago with no contact from Associated during that time. I offered to pay the balance to XXXX XXXX if they could remove the collection but was told they could do nothing about it except updating the account as paid however XXXX XXXX can remove the negative information. XXXX XXXX claims that they sold the account off to Associated and are no longer responsible for any collection activity. 
I paid the {$340.00} balance to Associated Credit and asked that the negative information be removed a second time. Again my request was denied and I was told that XXXX XXXX would need to take action. 
The account they are collecting for was included in bankruptcy filed in XXXX XXXX and discharged XXXX XXXX. It is somewhat a grey area weather or not the balance was even collectable as at the time the bankruptcy was filed a balance was owed on the account but payments were continued to maintain electric service. A new account number was never issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I just found out that my credit card with Capital Accounts was put on collections without my knowledge. I request this account to be removed and the harassment calls to stop immediately. I never received any notice or last bill from the medical institution and know this bill is under collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I reviewed my credit report and saw a company called Kay Jewelers reporting that I had an account with them and that I owed them money for something i knew nothing about. I immediately contacted the credit bureaus and informed them of the fraudulent account on my credit report. I also contacted the Federal Trade Commission and filed an identity theft complaint. The credit bureaus informed me that they sent the information to Kay Jewelers about the identity theft but Kay Jewelers continues to report this fraudulent account to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a letter that I sent to XXXX, Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.

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
Consumer complaint received 2016-01-17
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have repeatedly told navient representatives that I am XXXX and student loans are deferred while XXXX. I am enrolled at least half time, but they will not stop calling. They call at all hours and do not immediately tell me who they are. I have also requested multiple times that they not contact me while I 'm XXXX, but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Consumer Financial Protection Bureau ; I had 15 months of unemployment from XXXX XXXX until late XXXX XXXX. During that time I had a period when my unemployment ran out. We contacted our mortgage lender Wells Fargo. They offered us a hardship and told us to pay {$25.00} a month ; when I got back to work, they said they would work with us to modify the loan. Late XXXX XXXX, I went back to work. When I started to receive paychecks, my wife tried to make a house payment. We were locked out. We could not make any payments. My wife contacted Wells Fargo. They said we had to wait for them to re-assess us. We were told to keep paying the {$25.00} a month until that assessment was completed. We did as they instructed us to do. Once the re-assessment was done, we were told to pay {$18000.00} or the house goes into foreclosure. We appealed and were denied. With this process, XXXX times we were required to fax in my pay stubs. 
I make {$42.00} per hour. If I only worked 40 hours a week, I would gross {$6700.00} in a month. Their calculation came back with my monthly gross being only {$3400.00}. They said I do n't have enough income. That 's not true, besides the fact that I have been working a lot of overtime. I do n't have {$18000.00}, but if they would take a reasonable sum, I would do it. 
They wo n't work with me. They have taken over a week to get correspondance to me that would help us apply for a loan with our credit union, and still can not tell me when to expect those necessary documents. We were not properly informed that at the end of the hardship, they would be foreclosing on our home. 
We are a family of XXXX. We have XXXX little boys ranging in ages XXXX to XXXX. XXXX of our sons is XXXX. We do n't want our sons to lose their home and leave their school. 
We just need Wells Fargo to work with us. We have about {$120000.00} of equity in our home. I 'd refinance out of this, but during the hardship I have marks against me that I 've missed payments and my credit has fallen to XXXX. My wife 's credit is better, but she does n't have any current income. 
I can pay extra on my house payments. I could give them a lump sum of {$5000.00}, as well. If doing the hardship they offered means automatic foreclosure, I think they should have made that clear. I want to pay on my mortgage and get caught back up, but they wo n't accept anything except the {$18000.00}. That 's a lot of money for someone who had been off work for so long. 
Sincerely, XXXX 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 2015-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In, XXXX, I had my XXXX XXXX XXXX repossessed. Wells Fargo Dealer Services let me know I was almost 2 months behind in payments.I had discovered that I had missed a payment in XXXX, when I was in XXXX XXXX, tending to my terminally ill father in law, who passed away in XXXX of XXXX. I was unaware of this until my car was repossessed. My husband immediately paid the {$1500.00}. which was due, withing a day, and the car was returned to us. After that, we continued to make our payments, until it was finally paid off in full in XXXX of XXXX. I do have the title in my possession. Recently I started to clean up my credit, in order to purchase a home. We recently found that this repossession was on my credit report, and also says {$10000.00} is still owed, which it is not. My husband called Wells Fargo, to get this taken off my credit, but was told that we couldnt, because my husband filed a bankruptcy. Creditor refuses to update trade line to show paid in full.. My husbands name is XXXX XXXX , and I am XXXX XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
STATUTE OF LIMITATIONS The last payment we made to Wells Fargo was on XXXX/XXXX/XXXX. Payments/adjustments made to the account after this date were made by Wells Fargo. Hawaii has a six-year statute of limitations. It will expire on XXXX/XXXX/XXXX. This will bring to an end any possible and all legal/ foreclosure proceedings. 
Please confirm that the mortgage/ loan # XXXX has been withdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Late fee

Complaint:
I have a credit card with Wells Fargo. The " due date '' on my account is the XXXX of every month. ON XXXX XXXX, 2015 I went to my online account with Wells Fargo ready to make a payment to my account ... .this was at XXXX. When I opened my file and looked at my account online, my balance had gone up {$35.00} with no explanation ... additionally there were alert messages in red stating " Your account is over limit, remit payment at once ''. I had not charged anything with that card and looked at the definition of " date due '' ... .which clearly states that you have until XXXX on that business day to make a payment BEFORE late fees are issued. 
My complaint is that Wells Fargo is assessing a " late fee '' at the beginning of the day on the date due and not at the end of the day, as the law reads. I feel that this is illegal and should be looked into. Thank You

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: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo processed XXXX of my credit card payments to XXXX XXXX the same day I made them ( XXXX/XXXX/16 ) causing me to go negative and was charged XXXX XXXX overdraft fees. I have been doing the same type of transactions for years and Wells Fargo has always process these payments at least one ( 1 ) day after and sometime 3 days after I make them. I always pay as a check through the XXXX XXXX website. Their practice was always to process these payments one to three days after. I have always have enough balance when payments are process by Wells Fargo. But on XXXX/XXXX/16 I had only about {$40.00} and they processed the payments intentionally the same day to charge me the XXXX XXXX overdraft fees. My direct deposit was deposited on XXXX/XXXX/16. I called them on XXXX/XXXX/16 to explained and ask for a full refund and they are not willing to cooperate and only offering a 50 % refund. I was charged a total of {$140.00}. Each OD fee was {$35.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech charged me the wrong amount from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX they finally reallocated my payments and credited an overdue HAMP incentive. Almost 15 months overdue to be exact. I disputed the error forever including on this board many many times. They reported me late to the credit bureau 3 times even though they charged me the wrong amount. All my mortgage statements had incorrect amounts due. They waived the late fees but failed to update my credit reports even though I have told them repeatedly of the error and even submitted a copy of the letter from them acknowledging this. My credit score has dropped considerably from this. They are intentionally harming me I believe in retaliation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Toyota Financial Services erroneously ( perhaps fraudulently ) issued both my wife and me IRS XXXX XXXX claiming excess wear and tear on leased vehicles. These were issued erroneously because, for a debt discharge to occur, the amount of the obligation owed must not be open to any real dispute as to whether or not it 's actually owed. These are and always have been vigorously disputed and never documented. 

Additional pertinent facts : 1. These charges were repeatedly disputed under the Texas Fair Debt Collection Practices Act. We were never provided any photographs or repair bills supporting their claim. 
2. Toyota periodically reassigned our accounts to different collection agencies. Each time we asserted our rights under the TFDCPA they ceased collection activity without providing the requested documentation. 
3. Toyota 's own website includes numerous examples of excess wear and tear, none of which were on our vehicles. ( My wife and I are XXXX+ year old XXXX 's and these are XXXX Toyota Camrys. We are not exactly hard on cars. ) 4. The dealership inspected and accepted our vehicles upon return. The charges were " surprise bills '' that came later, with no opportunity to further inspect or effect repairs on our own. 
5. Finally and perhaps most importantly, this is internally generated revenue to Toyota. They choose an amount, and once the vehicle is beyond the customer 's control, send the bill. They simply have not documented that they incurred any actual repair cost. Debt discharge can only exist if, and to the extent that, the lender has taken an actual cash loss. 

In summary, these XXXX forms were issued for losses that can not be documented. In talking with several of the collection agencies assigned to these accounts, it appears that Toyota regularly tacks on these additional charges as yield enhancers and this is a common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is reporting incorrect facts regarding a Bankruptcy on my credit report. Experian maintains that they " verified that the Bankruptcy is accurate. '' I requested to see Experian 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).

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 2015-09-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Funding LLC is sharing information that is inaccurate with XXXX XXXX, XXXX, XXXX, and XXXX XXXX. On all XXXX agencies they are saying that a XXXX XXXX account was opened on XX/XX/XXXX. The account was opened on XX/XX/XXXX per XXXX XXXX. Midland Funding , LLC is trying to make it seem like its a newer account. I 'm still working with XXXX to get to the bottom of it. I did not open an account with XXXX until XX/XX/XXXX. Midland Funding , LLC is reporting the incorrect information on my credit report, and should be removed or changed.

Company response to consumer: Closed with explanation