BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX was trying to collect on an old Wachovia card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with this.

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 2015-06-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have our mortgage thru Wells Fargo Bank and I use on line banking for everything. Unfortunately, like millions of Americans, we struggled with the poor economy, high medical bills and job loss and filed chapter XXXX Bankruptcy. During this process, we reached out to Wells regarding the mortgage payment and were given the opportunity to do a loan modification to reduce our monthly payment. We were very grateful for the help and completed the process. The mortgage is not behind or in any jeopardy, with the manageable payments. My complaint is simple. We are being denied the option to pay the monthly payment on line. When I pressed for an answer as to why, I was told it was the bank policy, the account is restricted because of bankruptcy, I would not be allowed that privilege. In addition, I am being denied the chance to vocalize my complaint with the upper administration of the organization. I feel this practice is discriminatory in nature. We pay the mortgage directly, as it was never looped into the bankruptcy. In essence, we are being punished by the bank for resorting to filing XXXX XXXX. Is there any recourse we can take?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a home mortgage and was denied based on prior short sales on my credit report. It is my understanding that " VA does not recognize a short sale as a derogatory event. If you are able to credit qualify for a VA loan, a short sale would not prevent you from being eligible for VA financing. '' I called the bank before applying and was told that it would not be held against me and that I should apply. I had multiple investment properties that I had to short sell in previous years but the most recent was my primary residence that I had to short sell last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: AMCOL Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hospital was supposed to be re-running the insurance and then resubmitting the bill. This has happened several times. AMCOL Systems has failed to produce a bill for these charges as well. Previously, when attempting to pay an earlier AMCOL debt, they said there was no debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was assumed by Bayview Loan Servicing in XXXX XXXX. We had previously been serviced by XXXX. We filed Chapter XXXX bankruptcy in XXXX and made every monthly loan payment. We paid the courts our monthly payment for 60 months, they in turn paid the loan servicing company every penny they requested. When our loan was sold to Bayview they began sending paperwork about refinancing. The final court payment had been paid to XXXX in XXXX, just before the transfer. Once our chapter XXXX was paid in full Bayview notified the court and us that we were {$20000.00} behind in payments. I have called, sent filing documents, data from the courts about payments to the loan servicing companies and finally this past Spring 60 months of bank statements showing a payment made to a servicing company. They do not respond, they do not ever answer the phone and if they do call you back it 's always during the work day. I originally told them I am willing to discuss refinancing once we discuss why they think we owe them $ XXXX when it has already been paid. At this time I want this settled so that I can refinance or sell this home to get the mortgage out of their hands. Additionally, I am trying to make sense of the escrow monies they are collecting - they appear to be collecting more than required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
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:
I completely disagree with this response. Please see the supported document Ive attached with this feedback. This account was a car that my husband and I brought in XX/XX/XXXX from the XXXX XXXX in XXXX XXXX New York. Than we got to a car accident in the month of XX/XX/XXXX, we had reported that to our insurance company which was XXXX XXXX at that time. Our insurance told us that the car was total loss. They started a claim. Than our insurance told us that they pay off the amount that was left on the car and they didnt have nothing left to even sent to us. One month after I received a message that stated that my credit score had dropped when I check my report thats when I saw that XXXX had reported the account as a charge off and collection with an amount of {$2000.00} due. They did not even sent us a notice about this before putting reporting it on our credit report. My husband and I called the XXXX company we brought the car from and ask why is that, they didnt really say much they just told us oh yeah you owe {$2000.00} which we think it was absurd because our insurance company told us we do not owe anything because they payed off the amount that was left on the car even so we agreed to pay off that amount as an installment and ask if after paying that amount would it be removed from our report they say yes and still today this account is reported on my report and it have been effecting me deeply. Also I do see that on the report they say this account was late thats not true. We had automatic payment for this account every month they just take the money out of our account. Please I need this to be resolved. This is wrong thank you. 

Account # XXXX XXXX regards,

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 2015-03-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview XXXX foreclosed on my property without proper notice nor will provide documentation to me or my legal counsel showing they did act within the law. Me and my legal counsel has requested the required documentation from the trustee Co and have not provided proper documentation. I was in the middle of a loan modification while all of this was taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I own a second home that was financed through XXXX. I have been paying my mortgage directly to them for many years. I went to their website to get my year end statements for taxes and the account no longer existed. I call XXXX and at the end of XXXX and was told they sold my loan to Bayview Loan Servicing back in XXXX. I have never been sent any documentation from Bayview. I received a few phone calls from a women who asked me to call her back because she has good news, which I did not do. After speaking with XXXX, I realized that this women was from Bayview and gave her a call. She claimed I was 4 months behind on my mortgage and offered me to restructure the loan. Instead of a XXXX mortgage payment I can lower it to XXXX. My XXXX mortgage payment was in the XXXX range. I then asked her to email me some documentation and statements so I can review and respond. I still have not received any. I have called but no response. My situation is now I 'm in contract to sell the 2nd home and am afraid this will cause a problem. Not sure what to do. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was being serviced by XXXX XXXX XXXX for the past 5+ years. I filed bankruptcy under Chapter XXXX in XXXX of XXXX. I was not in arrears, and my plan indicated I was to pay my mortgage payment monthly outside of the plan. XXXX XXXX XXXX sent me monthly statements every single month, as well as quarterly escrow account reviews, so I could know when to pay, how much to pay, etc. My monthly statements showed by loan balance, my escrow balance, my payment breakdown, and an explanation of amount due. My loan was transferred to Bayview Loan Servicing in XXXX of XXXX. I have not received ANY correspondence from Bayview Loan Servicing other than the initial welcome letter. In other words, they refuse to send me my billing statements each month. They will not send me any information about my account unless I call every month to ask them to send my ledger. They claim they are prohibited from sending me monthly invoice statements. However, That can not be true if XXXX XXXX XXXX was sending invoices every month. How can I keep abreast of my finances if I am not receiving any information on the bills I am to pay? Chapter XXXX bankruptcy should not prohibit me from receiving information about my mortgage loan on a monthly basis. I am not aware of any law or provision in the bankruptcy code that prohibits mortgage companies from sending an invoice each month, especially in a Chapter XXXX where I am to continue to make regular monthly payments and have agreed to do so in my Chapter XXXX plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Phoenix Financial Services LLC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have recieved collection notice on a XXXX loan. Over the last few months i have continuely notified navient that i have submitted a " defense to repayment '' because i am a victim of Fraud by the XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed the loans and want collection stopped. 

Reference number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Phoenix Financial Services LLC
State: MI
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 called them asked for proof of what debt was they told me some old hospital bill i asked for information from them so i can prove it wasmt mine amd was due to identity theft they refuse to send me info refuse to remove it its fraude they XXXX its from years ago i was a victim of identity theft and theybrwfuse to help or remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Receivables Performance Management, LLC
State: PA
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:
continued attempt to collect the debt which is not mine, also hitting using various sources in different names, heading and hitting my credit history via credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/22 I filed a complaint ( XXXX ). During BofA 's review of my complaint, they called and left a message that was so garbled it could not be understood. I still have the recording. I could tell by caller ID that the call was from BofA, but if you call that number back it requires you to enter a valid 6 digit extension or it hangs up. There are no options for a directory or operator or any type of assistance. That's a convenient way to say they called and left a message, but that I didn't call back. Then my complaint closed with the message that I had been provided a response and " You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. ". I was NOT provided a response. I called the number listed many times to ask where the correspondence was sent ( email or postal mail ) and to request it be resent. The call always went immediately to voicemail, no matter what time I called. I left 4 messages ( and called many more times than that ). BofA is demonstrating the same ethics in managing the complaint as they did in the original issue that caused the complaint. Without a response- with with no willingness to respond, it shows they continue to they operate unethically and seek to hide their business practices.They would not respond to my complaint publicly, nor to me specifically. I still hold that they are guilty of my initial complaint, and absence a response, they demonstrate that guilt.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Bankruptcy # XXXX, has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I called transunion credit report asking about the inquires taken off and put back on my credit report. They told me that report was not affected but i did see my inquiries were taken off and put back on. I would like to know the dates and they this glitch took place. I would like this inquires taken off my credit report.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
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:
According to the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-21
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RADIUS GLOBAL. 
XXXX XXXX XXXX, MN. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, FL. XXXX XXXX. XXXX XXXX. XXXX Has called multiple times calling about XXXX debt that I did not have contract with and I had as requested XXXX to stop service and they kept charging me. Also I have not lived at that address going 2 years now. I requested " cease and desist ''. They have called 12 times in the last 4 months. This is clearly harassment and I do not owe this company or XXXX and would like a monetary settlement.

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 2015-04-20
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2014 a complaint ( XXXX ) was opened against FirstBank of Puerto Rico. 
The case was closed, the company responded to the complaint on XXXX XXXX, 2014 at XXXX. During that day FirstBank did XXXX a Hard Inquiry ( without written consent ) and the a Soft Inquiry on the Credit Reports of my wife and mine. The purpose was to provide cfpb with evidence that the account was showing on the Credit Reports. Please refer to Exhibit XXXX of the complaint number XXXX. The same date we requested FirstBank to correct the Hard Inquiry. As of this date there has been no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
debt collection remaining on credit report after 50 days dispute process, violation of FDCPA, credit reporting on all XXXX bureau, disclosure of verification

Company response to consumer: Closed with explanation