BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: Real Time Group, Inc.
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
2006 my home was foreclosed on the original mortgage holders were XXXX and XXXX who both have since removed the old accounts from my credit report. I just recently noticed that Real time solutions has recently started affecting my credit score because they purchased the debt from XXXX that was not paid by the foreclosure they show the account on my report as being active and past due and recently changed something on the status to affect my credit. This company refuses to remove the account even though the original creditors for this debt have done so and it is outside of the 10yr time frame that allows them to report this debt, realtime shows this account as active and when they purchased it it was shown as closed or forclosed. Please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2017-03-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a car loan that is through Santander Consumer USA. Bought my car in XX/XX/2010 and the loan was sold to Santander. My original loan was for XXXX months. I 've now paid XXXX months and they still say I owe a balance and a miscellaneous fees. They can not tell me why I owe a balance or what it 's from. They will call at least 20 times a day under different numbers from XXXX am to XXXX. They have called a neighbor that lived on my neighborhood saying they were trying to get ahold of me. Have no idea how they got her number. Even though let them I 've made all of my patents I still owe money and they have listed my car as in collections on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TRANSUNION is reporting XXXX debts that are not mine XXXX and XXXX the bill seems to originate from XXXX. the bill is from an address I have never lived at. I requested TransUnion and the above Debt buyers validate the account but my request was ignored.

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 2016-01-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Description of the complaint On XX/XX/2015 I started a fraud claim. Somehow XXXX XXXX was put on to my account when I strictly said for her to NOT be on there. She opened up a total of like XXXX accounts in my name and drained me. I had {$50000.00} in a premier savings account not to be touched for a year for my kids, {$50000.00} in a regular savings not to be touched and the other ruffly {$120000.00} into the checking account. I did all the paperwork and sent it in from the branch on XX/XX/2015 and was on the phone with XXXX with the fraud department and she advised me that it was so obvious that it was fraud. We went threw every transaction and she said it was pretty cut and dry and I should have my money back in XXXX days. I have still not gotten anything back. I have called and been told that if I keep bugging they will keep it open forever and that I will never get anything back at all. Even sitting in the branch the other bankers were astonished and appalled at what I was being told and how I was treated. Due to this I have been starving, no electric, no water, ect cuz no bills can be paid. My kids had no XXXX or anything. A total of {$200000.00} was stolen. 

How complaint can be satisfactorily addressed My Money be refunded in a extreme quickness. I am also going to be switching banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2018 calls started calling for a XXXX XXXX ..He has not owned this number for over 3 years and no matter what I tell this company they will not stop, they are rude on the phone I was hung up on 6+ times just asking for a supervisor to get the calls to stop

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 2015-10-10
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my home on XXXX XXXX 2015. I spoke with my Lender, Franklin American Mortgage co, multiple times before closing and was given different answers and the same thing happened after closing. Multiple issues include : the title companies check does not match what was deposited into my account that the mortgage co has listed and I was told I would receive a refund but never did. 2nd. the title company was given the closing payoff for XXXX/XXXX/2015 but should have only had the one from XXXX/XXXX/2015 and as the instructions state on the payoff statement I would just add XXXX give or take if paid after the first of XXXX/XXXX/2015 there was no cut off date on payoff form to state when this payoff was not valid any longer. I was informed by XXXX different mortgage representatives that since I was closing XXXX/XXXX/2015 I would go by the XXXX/XXXX/2015 statement and follow the direction of adding the interest. I was told multiple times that the title company should have not received the XX/XX/XXXX payoff and the mortgage company had no clue how they got that XXXX. The mortgage company told me that I would receive a refund since there would be a difference in the XX/XX/XXXX payoff which was the correct one the title co should have had. 3rd I paid MIP multiple times and feel have overpaid. I was told by the co mortgage payments are in retro so my last payment was XXXX/XXXX/2015, which would have been for XXXX 's interest and MIP and then XXXX XXXX 's payment ( closing ) included all the interest and fees and that would have been payment for XX/XX/XXXX and XX/XX/XXXX. However, I paid fees in closing plus XX/XX/XXXX and XX/XX/XXXX there was MIP payments taken out. Since additional MIP payments were removed from my account I received XXXX from my escrow balance and not the XXXX that I was told from the mortgage company I would receive. I have communicated with multiple people including managers at the mortgage company, but all of them had a different answer or reason. I think I am owed a refund for additional MIP payments removed from my account and also the difference in what was paid on the HUD sheet verses what the mortgage company has in my account history. My final contact with them was through certified mail and they responded back with even different info then I was told on the phone by them and the same paperwork I have been sent that still does n't make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am having financial difficulties and XXXX XXXX XXXX continuously calls my cell and work phone. I have asked that they not call my place of employment because we are n't allowed personal calls and the calls are recorded, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our client, XXXX XXXX, received a loan modification approval dated XXXX XXXX, XXXX. She was unable to make one of the installments timely as she was injured and have all necessary documentation to support. She attempted to make the payment during her recovery but Wells Fargo was reluctant to accept. Litigation efforts proceed and eventually a sale date was scheduled for XXXX XXXX, XXXX. 
XXXX XXXX retained our firm to assist with the loan modification efforts on XXXX XXXX, XXXX after exhausting all efforts to contend with Wells Fargo on her own. A fresh loan modification package was submitted on XXXX XXXX, XXXX per fax as suggested by opposing counsel. I contacted Wells Fargo directly on XXXX XXXX, XXXX and was given items that were missing or need clarification, contacted our client, and provided them to Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I followed up again with Wells Fargo who indicated that the file was denied on XXXX XXXX, XXXX ( no time to review requested items ) and denial was never provided to client/our firm. Verbally, the reason for denial was given to myself on XXXX XXXX, XXXX siting that a loan modification was extended and that unless there was a change of circumstance, there would not be another modification agreement. Wells Fargo was unable to locate the denial letter and the reasons for the denial. There is a sale date on XXXX XXXX, XXXX. I submitted the loan modification well within CFPB guidelines in order to have an opportunity to cancel sale. They are reluctant to do so. I will attach the reasons that XXXX XXXX attempted to make her loan modification beyond the timeframe ( XXXX, XXXX ). Further, I have attached the only correspondence provided by Wells Fargo dated XXXX XXXX, XXXX requesting more documentation for her loan modification application. I have also included a hardship letter explaining these circumstances as well. 

I ask for the sale date to be postponed to allow Wells Fargo to review the loan modification properly.

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 2015-09-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells fargo is trayin to make me Pay for a check that i never deposit into there account And this is the reason why they ofer me a secur crdit card and close IT right away, i belive this is not fare. 
XXXX THE I RESIVE A CHECK FOR A COMPANY Y DO N'T REMEMBER THE CORPORATION, BUTI BELIVE THAT WAS A SCAM, I ASKEF THE TELLER AND SHE SNACHED THE CHECK OUT OF MY HANDS AND SAID THIS IS VOID CHECK, BUT STILL DEPSIT IT ANY WAY, DID NOT GAVE ME CKECK BACK FOR ME TO DESTROY AND STILL DEPOSIT ANY WAY. THANK YOU FOR YOUR TIME AND CONCERN REGARDING THIS MATTER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a statement XX/XX/XXXX stating total payment due XXXX. I then received a phone call XX/XX/XXXX stating that I owed XXXX.My payment of XXXX showed on the statement. When asked why they are calling stating I still owed XXXX all I got was that 's your unpaid portion. Every time I get a new statement from Wells Fargo Mortgage it shows a different amount owed. My final mortgage payment was supposed to be on XX/XX/XXXX. I received a new statement stating that I still owed XXXX I had asked on several occasions what the additional amount was, also asking for a written detailed explanation. To date all I have received are additional interest penalties. Their statements are very misleading and they are not fourth coming when asked for detailing explanations.

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 2016-09-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX packets ( XXXX pages each ) of Foreclosure paperwork with a preliminary loss affidavit were left on my front porch. I NEVER received any certified paperwork prior to this finding. One packet was taped to the front door with black electrical tape, and the other identical packet containing names, birthdates, social security numbers, humiliating private foreclosure information was strewn throughout our neighborhood. We are not squatters living in a abandoned home? I am not irresponsible and have 3 years of documents and supporting proof that I have been trying to get a loan modification with Wells Fargo. I have a story like so many others, My spouse left me and I am raising XXXX children in our home and neighborhod of 17 years. I am a full time employed for 28 years as a XXXX who lives a very private life. One of these packets that was left on my doorstep, NOT in any sort of envelope was strewn throughout my entire cul de sac and many pieces were returned by neighbors. Returned to my children who did not need this additional XXXX of potentially losing their safety and security! 
It was obvious to ALL who returned it 's pieces that it was foreclosure paperwork. Humiliating and embarassing and resulting in stigma and harassment. I am not even certain that all of the paperwork has been returned and it is HIGHLY CONFIDENTIAL. Why wasn ; t it treatedas such. Despite is being public record through the court system, this type of negligence is demoralizing and damamging forever especially to XXXX innocent XXXX and XXXX children. Why was the information not attempted to be delivered certified mail? There should have been two attempts with receipt requested left on door similiar to when I receive a package?

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 2021-11-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They call every XXXX days threatening me that i commuted bank fraud and if i do n't call they are going to prosecute me. I returned XXXX call and the lady on the other line told me " i have XXXX leans and XXXX judgments against me and good luck in court you loser ''. I told her what they are doing is illegal and she hung up. I have the last msg they left me XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Our company, XXXX XXXX XXXX XXXX has had an account with Wells Fargo beginning with Wachovia. We have never had any issue with this bank, never even a bounced check. On XXXX XXXX, 2016 we were notified by a customer that a block had been placed on our account. When I called I was told by XXXX different Wells Fargo employees that our account had been closed on XXXX XXXX, 2016 by loss prevention and that we would be receiving a letter and our balance monies within 10 business days. Well today I got the letter and it indicates that my account has been blocked since XXXX XXXX but that it will not be closed until XXXX XXXX and that I will not receive the balance in my account until some time after that date. 
It is unconscionable that Wells Fargo can unilaterally close out our account with no notice, no reason and then hold our money XXXX for nearly a month. Last week my employees were not paid, taxes not sent to the government as a result of lack of information from Wells Fargo. Now, I am in a similar position this week as my cash flow has been greatly diminished because Wells Fargo is holding my money hostage. 
Our company has been in business for over 40 years. We have never been accused of running anything but the most upstanding business. I understand that Wells Fargo does not have to bank with my company if they choose not to but they should not be allowed to conduct business in this manner. A courtesy call would have been nice. Even without that, correct information from Wells employees would have been nice as well. Now they are holding my money hostage. We need it for cash flow but have been told that will not be happening. 
Big banks should not have the ability to unilaterally shut down an account with out any forewarning to the small business customer. they should also not be allowed to hold money hostage for over three weeks. If they want the account closed, fine but give me my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
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:
I mailed them requesting validation they ignored me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been trying to complete home modification since 2011. I have never been told trial payments were to begin by Mortgage XXXX XXXX with Bayview loans, previously XXXX, and XXXX. The amount past due XXXX, Now new XXXX is XXXX, which was original amount of Loan. Please inquire of accounting, why no reduction in payment since I 'm XXXX % lower on my income. How they keep filing BKR each 6mos decreasing my credit score and foreclosure completed. I 'm always some paper XXXX not includet, when I well aware yrs what I need. I need to keep my home. Is there any financial assitance. Can I have referred to OFHA. I Really appreciate assistance and need to see if this can go

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a problem again with this company. Since they took over my loan over a year ago they have not once collected an automated payment. I then managed to pay a backlog of payments and a agreed a plan with them however they again failed to auto-draft my payment citing the fact that they would not do this while the account is in arrears. I then sent a cheque to there payment centre that they have not cashed. I now have a foreclosure notice from them and have been try to contact them. Emailing constantly and despite them being received they are now being deleted without being read. I have left message after message by phone and email with their representative without a response. I have the full amount of arrears in my bank account to pay and have continued to ask how I am supposed to pay this if they wont auto draft the money or cash a cheque. Please help as this situation is quite ridiculous. The loan is with ( Loan # XXXX ) I am concerned that they are deliberately trying to foreclose on my property through not collecting my payments. 
Bayview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation