BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I fell behind in my Mortgage XXXX of XXXX, I was put on a Repayment plan with Bay View Loan Servicing, I ended up making multiple payments, My balance for XXXX ended up being {$4.00}, XXXX so I mistakenly made XXXX payments in the month of XXXX XXXX payment was for $ XXXX XXXX XXXX at this point my balance was {$4400.00} so I made Additional payments on XXXX XXXX {$2000.00} and XXXX XXXX {$890.00} I was told be Representatives at Bayview loan Servicing that I was fully paid through XX/XX/XXXX.I then receive a Statement for XXXX XXXX stating I owed for XXXX {$2.00}, XXXX What is so confusing I begin to receive calls from People saying they wanted more money than once I called Bayview a man by the name of XXXX said do n't worry trust his words I am paid through XXXX. On XXXX XXXX XXXX I called to inquiry about this additional payment for XXXX another Representative stated that I still owe for XXXX at this point I am Stressed completely out of my mind, I begin receiving letters from Bayview loab Servicing with no name on the letter trying to Threaten me and Exstrot more money out of me, I could n't believe what was happening, I also noticed that my XXXX statement did not have the additional XXXX payments that I had over paid Bayview leaving Bayview to owe me $ XXXX I am warning everyone who deals with these people to read carefully and Demand statements from Bayview and other Companies that Claim to be helping you make home Affordable act. They could be ripping you off!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview Loan Servicing , LLC ( Bayview ) is my purported mortgagee. They initiated foreclosure proceedings on my home in Texas XX/XX/2016 without first providing a default notice and opportunity to cure as required by the Texas Property Code and Deed of Trust. I was not in default when the foreclosure was commenced. I filed a lawsuit to get the foreclosure restrained, and the judge granted my request for a TRO. Before the foreclosure, Bayview did not comply with 12 CFR 1024.39 ( a ), which requires a servicer to establish contact with a delinquent borrower not later than the 36th day after the delinquency. Bayview never called me. Not later than the 45th day, a servicer has to provide a delinquent borrower with a written notice as set out in 12 CFR 1024.39 ( b ) ( 1 ). Bayview did not do this either. Bayview has also violated the continuity of contacts requirements of 12 CFR 1024.40. Furthermore, pursuant to 12 CFR 1024.41 ( f ) ( 1 ), a servicer shall not make the first notice or filing required for foreclosure unless the borrower 's mortgage loan obligation is more than 120 days delinquent. If Bayview has not even complied with the above rules regarding initial contact and loss mitigation, then certainly they should not be trying to foreclose. Bayview is totally ignoring my contract rights and RESPA, and they are going to try to foreclose on me again soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
WELLS FARGO CROOKS. Back in XXXX 2016 I closed my Wells Fargo checking account online. I ve been waiting for my money since then. Even though I already filed a complaint here before ( case # XXXX ) and they sent me a letter saying they were going to do whatever necessary to solve the issue they still have n't done anything. They have failed to their promises three times to send me my money. I 'm glad I do n't bank with them anymore and I do n't not recommend them because they do n't act quickly when it comes to your money but if it 's their money they will fight with teeth and nails and lawyers til you pay the last dime. It is nasty that they can charge you penalties and late fees if you do n't pay something you owe to them but they will not pay interest or dividend on the money they have held from me illegally for the last 7 months. Ridiculous

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 2016-12-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX : XXXX XXXX XXXX I would like you to clearly establish our alleged relationship as the new servicing company. 
Requesting : Assignment of Mortgage, Rents Agreement of relationship with beneficiary Confirm foreclosure has been cancelled due to inaccurate accounting - XXXX payments have not been applied Confirm the Original Note is available to view, you have seen, and confirmed trustee has also seen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect dates, balance and account settlement information Party Owed : XXXX XXXX XXXX I am disputing this derogatory account on my credit report. This debt was forgiven and incorrectly reported. This is my official request to have the aforementioned item to be deleted 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 2021-04-19
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to unfreeze my credit report from equifax on multiple occasions, both through their automated system and through their customer service representatives. Today ( XX/XX/2021 ) was my final attempt at getting my credit report unfrozen. First I tried their automated system which after verifying my name, address, social security number, phone number, and zip code in addition to 9 personal identifying questions, they mentioned that I need to fax them my driver 's license number and social security number. I thought this was odd since I had spent 10 minutes going through identity verification so I contacted a representative over the phone. She did the same process, verified all my information and yet still mentioned they can not verify that I am who I say I am and that I need to fax pictures of my personal identification. I'm not going to show pictures of my social security number and license for the world to see. This is ridiculous. Just unfreeze my credit report. You already have all the information you need to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a repair company that did some work on my computer. they sad theywere going out of business in the US and they wanted to refund the money that I paidto them. If that was alright, All they needed me to do was to do was send a moneytransfer to XXXX with money they were going to deposit in my account. they deposited {$1300.00} in my savings account, I was to make a transfer funds to XXXX. for $ XXXXXXXXand keep the balance to pay for any fee 's. I checked with my bank to see how muchmoney was in the above accounts, I had not what I should have had. I tried to contactthem and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I had a equity line on my home. It matured after 10 years this year and converted into a principle and interest loan. this new payment quadrupled the original payment. This new payment will eventually financially break us and we will be forced to lose our home. Instead of waiting I immediately contact the bank who services the loan and asked what were my options. I provide them with all of the documents in hopes that they would be able to modify the loan which would allow us to continue on paying the mortgage. They came back to us and stated we could not sustain the modification due to the debt to income ratio. I pointed out the obvious that it was because the newly converted P & I payment was the reason why that ratio was now the case. Basically they told me that my options were 1. ) Apply for a refinance which made no sense since if they just denied the modification why would they approve a refinance. 2. ) Short sale my home or 3. ) Sell my home. None of these made sense to me, for one, we have never missed a payment ever. Two we have XXXX young children XXXX of which are XXXX year old XXXX and a XXXX year old XXXX son who has special needs services through the school system in the town in which we live. Which he will lose if we lose this home and have to move. In my opinion, this bank never took into consideration any of the extenuating circumstances of our situation nor did they consider the facts of the matter. They looked at the numbers provided and took nothing else into consideration including the fact that if we were able to refinance or modify this loan to reasonable P & I loan we would be able to easily afford the home the we live in. Instead they would rather watch as it goes into foreclosure. Peoples Bank is very difficult to deal with I have found this out through the years of dealing with them and I would like to find another option to rectify this situation. I am currently researching other options but I was told I should file this complaint anyways so that the incident was at least reported as another predatory lending operation gone awry. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
ALLY FINCL XXXX XX/XX/2013 {$12000.00}

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 explanation
Consumer complaint received 2017-03-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My payment is on ACH but Cash Central debits my account before I actually receive my direct deposit check and outside the agreement. So every month I have to be on the phone with their customer support. I am pro active and call them instead of waiting for them to contact me. I have tried almost every month to get the problem corrected but to no avail. Their reps do n't want to hear the problem. Cash Central should stick to the agreement of when they would debit my account, same day that I get paid, not the day before. Also, they should have reps that actually care when I am calling them, not returning a call. I was transferred 5 times tonight but that does n't concern me as much as the fact that you sit on hold in between calls because they do n't know where to transfer the call. I pressed the right # s initially to get to the correct dept. it took over 25 mins to handle this tonight. If it could be fixed without another 30 -45 mins. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I would like to make a complaint about TCF Bank, about closing my checking account and freezing my funds, and not trying to properly address my concerns or resolving the problem. My account was closed because I had ACH deposits go into my checking account for my business, and the deposits was in the name of my business, and not my personal name. The bank told me that the funds came in as tax refunds and in someone else 's name and not my name. I assured them that they was not tax refunds but business revenue for my tax preparation business, and I provided proof of that fact on more then XXXX occasion. I also have a saving account that I had opened at the same time as the checking, and had changed the name on my account with XXXX, so the funds would only come in under my name, and there would n't be a problem with me receiving my funds. The funds come from the same source, and TCF is ignoring that fact, and has not tried to verify the funds from where they came. They have repeatedly lied to me about their investigation and have not on any level to contact me, or allowed me to speak to home ever is responsible for keeping the hold on the account. They wo n't even have the courage to speak to me directly and answer any of my questions for what legal reason they have for their actions. XXXX XXXX XXXX Tax Products Group, the bank that I have a partnership with and also the source of the ACH deposits has yet to be contacted to be asked for verification of funds, and has also sent XXXX requests for the funds to be returned back to them, but their requests have also been ignored by TCF. I am being told by there customer service department, that they are waiting on the IRS to tell them what to do about the funds, but the funds did n't come from the IRS, and unless they start with the origins of where the funds came from, the IRS ca n't answer the questions of this issue, because they did n't send the funds to TCF bank. 
I am sending my business reports, as well as other documentation that I have also sent to TCF bank, that clearly should have answered the question of this problem, along with contact information and my account number for them, that they may be able to also provide verification about this the source of the funds and why I had received the funds. My account number for XXXX is also my EFIN number with the IRS, is XXXX for XXXX XXXX, of the XXXX XXXX XXXX XXXX and their contact for XXXX 's is Live Tax Professional Support : XXXX. 
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: TCF NATIONAL BANK
State: ND
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 'm trying to close my late brother 's checking account at TCF Bank. I am the executor of his estate. I sent a letter requesting the closure with instructions for payment, along with original embossed seal copies of the death certificate and letters testamentary from the court. I 've called twice after sending the letter, and have been told they 'll contact me, but nothing. It 's been a month, which seems like more than enough time for this. They have my street address, email address, and phone number, and have n't reached out to me once with an update.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Merchants and Medical Credit Corporation, Inc.
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Merchants and Medical is attempting to collect debit on a XXXX card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and XXXX only attempts to notifiy us was by way of postal mail. Merchants and Medical agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For over a year I have been writing and disputing 30 day delinquency with BB & T. I also went into one of their banking centers and Noone could help me. It 's sad when consumer pay bills consistently online and something apparently happened on their end that caused me to show XXXX delinquency mark. I am frustrated and tired of financial institutions taking advantage of people like myself. This is effecting me negatively. They need to correct the reporting of this information. I have NEVER been late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, I received a letter from my Select Portfolio Servicing dealing the events in regards to the loan servicing of my loan. What they indicated was as follows. My taxes were sold and were not paid because they felt it would be a loss etc. What they did not indicate is in XX/XX/XXXX I was in a active Special Unemployed Loan Modification and I faxed and spoke with them in regards to not being able to make my XXXX installment payment. Reason was it was a delay in my XXXX benefits on XXXX XXXX. According to the RESPA Guidelines Program for loan servicing amendments. The SPS was suppose to do any means possible to assist me in stating in my home. I did have a hardship and SPS failed to extend my hardship being unemployed per RESPA Guideline and additional 60 days which would be me at XXXX XXXX doing the time they received notice of my unemployed hardship, On XXXX XXXX why were my taxes sold when SPS new I was in a active modification and within my 60 day grace period for unemployed borrowers protection per RESPA loan servicing rules for Loan Servicing Guidelines for Unemployed borrowers. I was also in a active foreclose case filed in the United States District Court for the XXXX District of Illinois XXXX Division docket number XXXX XXXX which had never been dismissed when my taxes were not paid by SPS. As of today 's date the case still has not been dismissed against me. I was lead to believe that SPS was working with me since I was trying to save my home. My PI payment was {$870.00} per month and my Loan Mod payment was around {$1200.00} per month. Why that did not cover my taxes which would have protected me from loosing my home. I do n't understand the life of me. I was under the impression by entering into this modification I would be fully protected not to loose my home. SPS voluntarily to pay {$290.00} of escrows per my statement attached. However they failed to pay the other tax years. SPS has made a ERROR on the RESPA amendment to the loan servicing guideline that President Obama put inplace to assist borrowers like myself. Now I have lost my home. I have been talking with the tax buyer they are willing to sale me the home but their are no programs for me to be approved for a loan to buy my home back at this time. If SPS had not made the ERROR in the RESPA loan servicing. I would have still been able to save my home with all the great programs President Obama have to help borrowers like myself. Please see attach documents and assist by calling the tax buyer paying off my taxes per notice SPS received on a {$95000.00} federally related mortgage conventional loan that taxes were not paid because of the economy per SPS. That was no EXCUSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Within the past 3 years SPS Servicing has been servicing my home loan. My original lender was XXXX XXXX. I have been trying for 3 years to modify my mortgage, butTime after time I am met with a request for further details and paperwork. I do not want to lose my home but I am not able to fight SPS Servicing alone. They have also refused to issue me any information regarding who actually holds my mortgage note while threatening foreclosure via mail and with notices left on my door. 

I have been working XXXX jobs in order to pay my mortgage, but they will not issue a modification so that I can afford to stay in my home. 
Please help me figure out how to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage that was with XXXX XXXX XXXX. It has been sold around. I lost my job and then found another job. I tried to get a loan modification. Each time I was denied for bogus reasons. Now my loan is with SELECT PORTFOLIO and they are doing the same thing. Denying me a modification. My home was almost paid for and now they are adding balances and fees from everywhere. I requested validation of the debt and my payment history from SELECT PORTFOLIO, UNDER THE LAW OF THE FDCPA. I NEVER RECEIVED ANYTHING FROM THEM, YET THEY ARE THREATING TO FORECLOSE ON MY HOME. SELECT PORTFOLIO IS NOT ON MY PROMISARY NOTE OR DEED. IT IS LISTED WITH XXXX AS THE BENEFICIARY. A LOT OF MY FULL PAYMENTS WENT UNREPORTED. THIS IS WRONG. PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation