BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had got to judgment to garnish my check in XXXX and the amount was XXXX well within 2 months they added {$1100.00} on to this bill now its XXXX so when I call to talk with them there was suppose to get rid of the fees and the penalties fees. I told him I do n't understand why {$1100.00} is added on here from XXXX to XXXX 2 months, so the guy cant explain to me why the bill is XXXX more everytime I call him he seems confused and ca n't explain why. I 'm willing to pay XXXX making payments a month but I refuse to pay all those extra fees and I do n't understand it and this was a bill from XXXX from XXXX XXXX. I was just wondering is n't there a statue of limitations in Colorado for 6 years just a question!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never authorize and request services from XXXX XXXX XXXX. In addition, multiple calls have been made to XXXX XXXX XXXX for dispute but never hear anything back. Instead, I received the debt collection from Phoenix Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: KEYCORP
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I HAVE BEEN GETTING XXXX CALLS XXXX DAYS A WEEK FOR OVER XXXX MONTHS FROM KEY BANK. I HAVE NEVER BEEN IN A KEY BANK IN MY LIFE. THEY SENT ME A LETTER OFFERING TO WAIVE MY LATE PAYMENT. I NEVER BORROWED ANYTHING FROM KEY BANK. THE NUMBER THEY CALL FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was " sold '' to another lender in XXXX. I 've asked on numerous occasions to please provide a copy of the deed, note, and other documentation ; however, they can not provide evidence or supporting documentation that they even own the property. They can not provide any supporting documentation and do not have any paperwork pertaining to my mortgage ( note, deed, etc. ). I need these documents for legal purposes, my final will and testament, and to prepare to sell my home ; however, the lender ca n't provide them to me.

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 2015-11-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Attached is a copy of a collection letter from ProCollect addressed to my deceased wife, XXXX XXXX, who died on XX/XX/XXXX. Approximately 2 years ago, ProCollect started contacting my wife by phone/mail regarding this debt. At that time I contacted ProCollect by phone regarding the alleged debt and was told that it was for an emergency room doctor who treated her at XXXX XXXX XXXX prior to XX/XX/XXXX. ( I do n't recall the exact year, but it was prior to XX/XX/XXXX. ) This was the first contact that I can recall that was ever received regarding this debt. I verbally explained to ProCollect that it appeared that the Texas statute of limitations ( 4 years ) had expired on the debt and that I could not verify the fact that my wife owed the debt. I disputed the debt in writing and asked for verification, but received no reply. ProCollect has phoned many times ( not less than XXXX times ) and has sent many letters ( not less than XXXX ) to my deceased wife regarding this debt. The actions by ProCollect are a violation of the Federal Fair Debt Collection Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: M&S Recovery Solutions
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call this number for someone we have told them many times is not at this number and we do not have a number for that unknown person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: KEYCORP
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a house in XXXX OR. I paid the mortgage loan monthly. I traveled to XXXX in XXXX 2010. When I returned home in XXXX OR in XXXX 2010, surprisingly, I found that my house was sold by my XXXX loaner Key Bank. At that time, I had n't receive any notice of foreclosure of my house. It was wrong to take away my own home without my permission. I have been complaining to various departments many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX ; client # XXXX ; foreclosure index XXXX. In XXXX Wells Fargo and Wells Fargo employee, XXXX XXXX, stole our home by not adhering to guidelines provided under the XXXX XXXXXXXX. Wells Fargo refused to grant a loan modification request and insisted through several letters " additional documents required '' to short sale our home. Wells Fargo refused to let me purchase my own home. Before and after short sale- Wells Fargo told us we can not buy any property for XXXX XXXX  ; we can not sell our home to our family. I respectfully demand to be properly compensated. I demand to be put back in a position as if Wells Fargo had done the right thing. My stolen house is now worth {>= $1,000,000}. I bought house for {$440000.00} in XXXX with now defunct and equal pariah XXXX holding my mortgage. My house was eventually refinanced with XXXX XXXX which merged with Wells Fargo. Wells Fargo and XXXX XXXX short sale our home for {$550000.00}. Every one else, including greedy Wells Fargo walked away with significant money in their pockets while my nest egg was blown up in our faces. We walked away with {$0.00}. I demand compensation of no less than {$570000.00} 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 2016-12-30
Company: Portage Financial Services Company Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a vehicle, XX/XX/2004 XXXX thru XXXX in XX/XX/XXXX. In XX/XX/XXXX, the car was parked outside my home and was damaged by a hit an run driver. My insurance company at the time paid the car off but there was a balance left for financing, as I was unaware of GAP insurance at the time. The car dealer did not mention or offer GAP insurance so I did not know this existed. After paying off the car, XXXX financed a XX/XX/XXXX XXXX in XX/XX/XXXX. By this time, I 'd given birth to my second child. XXXX XXXX offered a {$110.00} ( {$58.00} bi-weekly ) a month payment amount to pay off the balance of the XXXX For a while, I was able to cover both payments but as times got hard, being a single mother of XXXX, and I fell behind on making payments. XXXX, from XXXX agreed to work with me and adjusted the monthly payments on the XXXX to compensate both accounts ( I was paying {$250.00} but it was split between both loans XXXX. This stopped in XX/XX/XXXX. I made several proposals to the company, asking if they could put the XXXX loan at the end of the XXXX loan and payments would continued to be made once the XXXX was paid off. UnfortunatelyXXXX was n't able to accommodate. XXXX decided to start taking my monthly payments off of the XXXX and applying them to the XXXX. I called several times to have them reverse the transactions and filed a complaint with the BBB regarding Its collections practices. XX/XX/XXXX - XX/XX/XXXX, I went back and forth with P.F.S.C. INC regarding my inability to make the additional payments for the XXXX. In XX/XX/XXXX, I received a notice of garnishment of my earnings stemming from a lawsuit that was filed back in XX/XX/XXXX but I was never notified of the suit by XXXX nor Its counsel XXXX. XXXX, lied under oath and signed an affidavit claiming that I was served notice and was granted a default judgment on behalf of XXXX and I was never given the chance to defend myself. This was a deliberate attempt to steal funds from a single mother of now XXXX children. I have lost my home, all of my personal belongings because I could not afford to pay the storage, I am currently homeless due to the inability to make monthly rental payments. I tried to work this out with the company but was not afforded the opportunity too.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted a short sale offer to SLS Loan Servicing. Had to resubmit over XXXX times until acknowledged. Made over XXXX phone calls to SLS and have all contact numbers. Short sale finally approved and then still want info. can not get anyone to return phone calls and impossible to find status of file. No cooperation at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm writing about NEWREZ MORTGAGE COMPANY and their continued lack of satisfactory service on my account. 

They purchased my loan from XXXX, which was my preferred provider and I've been lied to and treated horribly since. I've paid my mortgage on time EVERY MONTH with no missed payments and have inquired about PMI in RESPONSE to a letter they sent me regarding the matter, for them to tell me that my FHA loan as a LIFETIME surcharge attached to it, and that it is NOT PMI, which is incorrect. I PAY PMI EVERY MONTH ON THIS LOAN. PMI drops after one has XXXX percent equity in their home. I contacted them over ayear ago about this via phone at which time their agent told me this, which I already knew. I was then just under the XXXX percent requirement. 

My home qualifies for the PMI release. They even sent me a letter telling me to call them to get it dropped. When I sent them an email via their web submission, I got the usual run around from them via email that my FHA loan has NO PMI but I have the surcharge FOR LIFE. I have never in my life heard this, and this is NOT what I signed. Further, they charge me a MONTHLY PMI on my mortgage statement EVERY MONTH, yet they tell me I have some other arrangement. 

This fraudulent company has a SLEW of complaints all over the internet about fraudulent practices to the point where I don't understand how it is they are still in business. I would have never authorized this company servicing my loan and it's completely unfair they buy my loan and I am subject to FRAUD and LIES. 

You'd think in this climate, a mortage servicing company would give preferrential treatment to those customers not taking advantage of the current moritoriums, paying their mortgage on time, but this isn't what you get for being a good customer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.

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 2015-05-10
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a credit card with state farm, i should say my mother did but it was in my name and meant to start building my credit. Unfortunately, life got to my parents and i guess they used my credit card to pay for some things. Also, this was when I was XXXX and had n't dealt with bills or any kind of payments, they used my card I did n't. So, with that being said I did n't find out until later, about a year later I would say, that it was written off because they could n't pay for the fees and the total itself. Now I am struggling to get anything whether it is a credit card or a car loan or even a cheaper down payment on my apartment. If it is at all possible It would help me immensely for my credit. I am an honest hard working adult now, pay my bills on time, and am very responsible. It pains me that something so small is affecting my growing credit and halting my progress. I do not have the money to pay the entire amount, if need be I can pay a minimal amount but it would be a world saver for me if this could be taken off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: United Student Aid (USA) Funds
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
USA fund had placed me in collection as charged off debts in which I have nothing to do with this company. The amount of charge off was placed by USA funds are : $ XXXXand {$2600.00}. 
Thank you for for time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In or around XXXX 2015, Specialized Loan Servicing inaccurately reported my XXXX 2015 loan payment as 30 days or more late ; however, my payment was not late as it was made on XXXX XXXX, 2015. Specialized Loan Servicing failed to credit my account on the date of receipt in violation of the Code of Federal Regulations ( CFR ), specifically 226.36 ( c ). The CFR specifically states " no servicer shall fail to credit a payment to a consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency. '' As a direct result, my consumer credit report was adversely impacted resulting in higher interest rates on credit cards and loans. Moreover, I was also turned down for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: IQOR US INC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received calls from Allied Interstate ( 3rd Party Agency out of the country ) XXXX times per day regarding an outstanding debt I do owe for XXXX. On XX/XX/2016 I received a call from this company so I returned there call the next day on XX/XX/2016 at XXXX AM discussed my account with the representative advised I could not pay anything today we ended the call. At XXXX XX/XX/2016 received a call from the same company wanting to discuss my account. I advised the rep I had already talked to someone this morning on this cell phone about my account. I advised to not call my cell number XXXX more time today. As it is against the law to make contact with me 2 times in XXXX day on the same account. As of today they have not called back.

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 2016-02-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In approximately XXXX, 2015 I was sent a letter by Specialized Loan Servicing asking for payment on a zombie debt/mortgage. The last communication I had with the original mortgage company was more than 8 years ago in which I sent them a qualified written request and they sent me nothing to verify the debt -- the statue of limitations for ALL debt in CA is 4 years. I was sent a XXXX by Specialized Loan Servicing and I spoke with XXXX XXXX XXXX who said that the lien would still stay on my property and that I would have to pay it off ; however they were not servicing the debt and have written if off with a XXXX. Although I explained the IRS says that the original collector had 36 months to send me a XXXX, Specialized Loan Servicine should not have sent me XXXX as the debt is 8 plus years old. I asked for information on the previous loan and he refused to provide it over the phone and he would not correct the 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 2017-01-27
Company: Northstar Location Services, LLC
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Northstar Location services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted my phone on a XX/XX/2017 and a voice mail. I listened to the message. 20 minutes later I called my father in XXXX, XXXX hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.

Company response to consumer: Closed
Consumer complaint received 2015-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax report received from XXXX XXXX shows an employer in XXXX, CA. 
I have never worked in California. It also shows a late payment from 2003! That should no longer be there.

Company response to consumer: Closed with explanation