BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that XXXX XXXX XXXX will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against XXXX for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. XXXX. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from XXXX 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by Wells Fargo Bank , N.A . He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or XXXX verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with Wells Fargo Bank , N.A . 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) XXXX XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, XXXX had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that XXXX believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account XXXX, to discuss a resolution that would be satisfactory to both parties. 

To date, XXXX has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, XXXX is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the BBB was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a WellsFargo student checking account for my student aid and after a year the account was changed into a regular checking account with monthly maintenance fees without my knowledge. I incurred several months of maintenance charges and received an overdraft in my account by a {$3.00} dollar charge. I now have a balance of - {$44.00} after {$60.00} was taken out of my account for maintenance fees. I searched my statement and I used my debit card XXXX times every month, except for the last month on my statement ( XXXX transactions ) which would have protected me from the maintenance charge, but it did not and I was still charged a maintenance fee for the past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had a credit card with Wells Fargo. I am unsure if I requested it or it was given automatically. I had a credit limit of XXXX on the card and had a mortgage and my salary directly deposited into my checking account at the bank. I had no issues until some months later when I incurred a XXXX monthly fee. I inquired and was told that in order to not have a monthly fee I would need " direct deposit and a we credit card with a limit of at least XXXX. '' I told the representative that I met that criteria and then I was told that my credit limit had been reduced to {$1400.00}, unbeknownst to me. So the bank decreased my credit limit so they could start charging me a XXXX monthly fee. I was livid and still am, but it is time consuming and super frustrating to re-establish my mortgage and accounts with another bank, but boy would I love to do so. I have been paying this now for at least 2 years and thought I had no recourse.

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 monetary relief
Consumer complaint received 2015-10-15
Company: North Shore Agency, LLC
State: OH
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:
Collection agency claims I owe for a subscription I did not have. I have received XXXX mailings thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I refinanced our mortgage from Freedom Mortgage to XXXX. This loan closed on XXXX XXXX, 2016 and XXXX paid the mortgage at Freedom on XXXX XXXX. Freedom Mortgage has only partially paid us our escrow balance. They sent us a check for only {$460.00} as a refund for escrow. The remaining escrow balance of {$2100.00} has disappeared. I have tried all avenues to have them send our escrow balance but we are not getting any assistance.

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 2016-04-11
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
bought a vehicle and told them i was on a fixed income and had XXXX for down payment. when i arrived the passed me on to another sales person who told me he was working with me now. They told me i was turned down for a vehicle then a day later told me to bring my XXXX and pick up the truck. they said i need insurance but i told them i did not have any more money. so they gave me papers to sign saying for a promise to pay insurance i would let them take the money out for insurance from my debit card. the loan company finalized my loan then i was on my way. a day later my transmission was going out so i called them and they say the car was as is and there was nothing they could do. so 40days go by and they said to come pick up your license plates, but when i got there they started to harass me and say hey you owe XXXX then we will give you the plates. i said no and after a hour of an argument they gave me my plates. then when i started to monitor my credit i saw Grimm collection agency on my report. i explained to them what was going on and i did not owe this debt nor had been contacted about it. i was told they had sent the info to the wrong address. i gave her my address and she still sent it to a wrong address. i ask her to remove this from my credit report because it was a fraudulent debt. i contacted the car dealership and was not willing to work this out and to contact the collections agency. so i do n't know what to do because this is a fraudulent debt from a dealership with questionable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Statement of Facts 1. XXXX XXXX banker offered me a revolving line of credit for use for my professional medical practice of $ XXXX. This was issued on or around XX/XX/XXXX. He fraudulently induced me into this contract by stating this line of credit " would be automatically renewed '' ( see attachment ). 

2. The account was maintained responsibly, on time payments, never late or delinquent. 

3. When I went online to make the next on time payment XX/XX/XXXX no information was available about a payment due. When I went in person to the branch, the banker confirmed and accepted the minimum monthly payment of approximately {$600.00} which I made on or around XX/XX/XXXX. 

3. Because I was still unable to access any account information on or around XX/XX/XXXX my banker XXXX XXXX CA branch discovered that the balance of {$75000.00} was due and payable in full as of XX/XX/XXXX. However, he promised my credit would not be harmed in any way because he would reinstate the credit line so that the balance would not be due in full. ( XXXX had replaced XXXX who quit without informing XXXX of our agreement. ) 4. I did not receive any notification that the balance would be due on XX/XX/XXXX 

4. Subsequently, XXXX failed and refused to return my calls. Around XXXX I discovered that contrary to his promises, this account was reporting as XXXX days late, which ruined my credit score, and caused me medical, financial, and emotional losses. 

5. On or around XX/XX/XXXX I was informed that XXXX no longer worked at XXXX but he failed and refused to properly handle my account. 

6. The Bank agreed to remove the late payments due to the error under the condition that I agree to an installment loan of $ XXXX at a predatory interest rate of XXXX % interest per annum, wtih payments of {$2200.00}. I did not want an installment loan ; I wanted a revolving open line of credit for patient care and medical supplies which I was promised at the onset in XX/XX/XXXX. 

6. On XXXX I received and signed the new installment loan documents under duress and contrary to the written agreements of XXXX to automatically renew the line of credit. 

7. To date, as of XX/XX/XXXX, the Bank has failed and refused to update my account as paid in full never late. By inducing me to sign a new set of loan documents while not fixing my credit, the bank is putting me into an untenable position of denying me the ability or means to satisfy these obligations. 

8. Furthermore, I underwent a serious life-threatening medical procedure in XX/XX/XXXX, and the Bank 's mishandling and misrepresentation of these accounts has caused me mental and emotional anguish complicating my full recovery in which I have been denied adequate XXXX XXXX on the basis of my credit, causing me XXXX seeking protection under the Americans with XXXX XXXX ( XX/XX/XXXX ) and applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Private Mortgage Insurance Disclosure form signed at closing ( in 2014 ) states that we can request to have our PMI cancelled once the principal balance of our loan reaches 80 % of the original value of the property. We have paid the loan down to 80 % and met all the other conditions listed on our disclosure form ( except getting a new appraisal, but plan to ). However, Freedom Mortgage sent us a letter stating the following, " A Loan-To- Original-Value ratio of 80 % or less ( original value is considered the lesser of purchase price or original appraisal ) and a current property value at least equal to the original property value. A new appraisal demonstrates a Loan-To-Current-Value ratio of 75 % or less for loans aged between two and five years. '' When I called to speak with someone about this letter and how my PMI disclosure does not mention any criteria on age of loan or 75 % LTV ratio, but instead says that I can make the request to have it removed at 80 % as long as the home value has not decreased or automatic termination of PMI at 78 %, they informed me that the rule is 75 % since we have only been in our loan for 2.5 years. I have called Freedom Mortgage several times to get clarification/resolution on this letter and every representative just reads the letter and repeats it to me. I have also asked for a manager/supervisor to review my closing documents and call me back so that I can get PMI removed but have yet to hear back from anyone.

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 2015-09-10
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
In XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. In XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle and in XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had a car accident and I was in XXXX and my daughter also had a baby.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was in a business XXXX XXXX and we were approved for a loan using a CD as collateral. after the partnership dissolved, we were unable to continue paying loan and the bank used the CD to pay the outstanding balance. It has been over 7 years and the negative scar is still showing up on my credit report. It shows as a " charge off '' and has a zero balance. how do i remove?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to Frederick J Hanna & Associates, PC in the amount of {$780.00}. I sent a letter to XXXX XXXX stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from Frederick J Hanna. I feel they are pulling information from XXXX County online court system and trying to fraudulently trying to collect money from 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 2016-08-21
Company: Diverse Funding Associates LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Back in 2008 I worked for a XXXX. What I did not realize was that one of the employees had a XXXX. The employee removed a credit card from my handbag and used it for numerous purchases which added up to a considerable amount of debt. The credit card was with XXXX. I disputed the charge with XXXX and reported it to the state police via a report. A copy is gone after XXXX XXXX. 
Shortly after the mortgage company headquarters filed bankruptcy which made the matter of paying bill even worse. 

I have been contacted by XXXX to collect a debt for DNF Associates and they have been calling my cell constantly and the cells of my family member stating that there is an urgent matter that needs to be addressed. Needless to say they are scaring my family members. My daughter is XXXX, my granddaughter is only XXXX. My son works for the XXXX They have called my husband at work and told them that I authorized him to pay the debt for me which was not the case. 

XXXX wrote the debt off as a charge off and while they are not attempting to collect this debt and it has exceeded the statute of limitations and I can not let this continue to upset my family. 

Please let me know what I can do to have this stopped. 

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 2017-02-05
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This. company Helvey & Assc appears on my credit report for {$55.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I made my mortgage payment and got a confirmation number. Later, RCS informed by letter that I was late. When I called the company, they found that a number was missing. After talking to several people, I was informed there will be a XXXX dollar late fee, plus XXXX dollar to pay by phone. I do not believe I should have received a late charge since the company could see that a number was missing, I had payed on time and never was late. I received a confirmation number. I feel cheated, and helpless because there is no effective remedy to complain about this horrible mortgage company that is allowed to continue its abusive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have repeatedly requested a reinstatement quote and have attempted to contact our point of contact. Often times, we are unable to reach anyone. When we do, we are told to expect to hear back from them but do not receive any requested information. During the loan modification application process we repeatedly had to submit information and never received a response regarding a trial or loan modification plan.

Company response to consumer: Closed
Consumer complaint received 2015-07-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
jp morgan chase currently still refusing to reach suitable terms on fraudulent mortgage secured by a HELOC intrest only XXXX line of credit we have remained 60 and 90 late for years nowthe bank should be investigated for fraud as well as truth inlending practices, violation of the national mortgage settlementwith each violation is now subject to fines in excess of $ XXXX for each violation and any pattern of violations subjectto XXXX in penalties we are now listing XXXX violations all finesare to be inforced within 60 days of this complaint from thesettlement monitor.Please update us as to the status of thiscomplaint for our attorneys recordsThank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Fredericksburg Credit Bureau, Inc (Closed)
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
These were file with XXXX ins.of XXXX Minnesotathey are reporting on our credit file XX/XX/2012.They refuse to remove them from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
USBank provided me a construction loan. 

1. they failed to provide online banking for review of statements or making payments. I was told in the enrollment process that online banking was available. I had to rely on paper statements. 
2. USBank continually failed to provide me timely paper statements. I dutifully looked at my bills each day/month but often I did not receive a paper mortgage statement from USBank. I was forced to call/email each month to arrange for a manual emailed statement from the construction loan mortgage group. 
3. I was informed via email by XXXX XXXX XXXX, the construction loan supervisor, that my loan would begin full P & I mortgage repayment from interest only effective as of XXXX XXXX, 2017. This would increase my monthly payment amount from $ XXXX to nearly $ XXXX. My assumption was that the first $ XXXX payment would be due in XXXX 2017. 
4. I received a monthly statement on XXXX/XXXX/17 that indicated I owed $ XXXX which I paid immediately. 
5. On XXXX/XXXX/17, I received a collections call from USBank indicated I owed the balance of the $ XXXX ( approx {$6800.00} ) and would be in arrears if not paid by XXXX/XXXX/17. 
6. I called customer service and was put on hold for 10min. When I talked to an agent I was informed that I was required to pay the balance immediately -- which I did via phone ACH. 
7. I inquired from a customer agent ( employee # XXXX ) why I was sent a statement on XXXX/XXXX/17 showing $ XXXX was due. He had no answer. I also inquired why it was explained to me that full P & I amortization would begin on XXXX XXXX. If the full amortization payment was due on XXXX XXXX, then the amortization began on XXXX XXXX -- not XXXX XXXX. Once again, he replied that he had no explanation. 
8. This is highly misleading and stressful conduct by XXXX XXXX XXXX XXXX and the customer service personnel. 
9. Further, USBank has forced me to convert my construction loan to a fully amortizing loan despite having a $ XXXX balance available on my construction loan. This $ XXXX is placed in escrow- for which I do not have access. In doing so, USBank is forcing me to pay interest on the $ XXXX balance despite not needing the funds.

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