BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: Integrated Recovery Services
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
called my job stating I would be served with notice for a debt, I requested to stop calls to my job and something in writing and the caller could not provide me anything. states will sent notice when debt is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good Morning, I would like to file a complaint against Wells Fargo Dealer Service : Account # XXXX Collateral : XXXX Toyota Camery Amount Paid : {$9200.00} Wells Fargo Dealer Services was paid in full by XXXX using Draft # :XXXX and mailed to Wells Fargo Dealer Services via XXXX XXXX on XXXX XXXX, XXXX by XXXX. Customer Receipt # : XXXX XXXX XXXX XXXX XXXX. This was signed for upon receipt at Wells Fargo Dealer Service Payment Center at : Wells Fargo Dealer Service ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Proof of tracking of payment via USPS tracking # : XXXX, which was received on XXXX XXXX, XXXX at XXXX 
This is destroying my credit as they have reported " Non-Pay '' for almost a year now. 
Please take this off my credit report. 
Sincerely Submitted, 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 2017-02-06
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to ASC and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015

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 2015-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last week, I contacted my mortgage servicer, Wells Fargo, to have the ach payment draft changed. After several unsuccessful attempts on-line, I called in. The associate I spoke to assured me she made the changes to the system, keeping my weekly ach payment intact, but removing the additional equity of {$70.00} per payment. She confirmed the next payment ach would occur on XX/XX/XXXX for {$430.00}. Today, the ach payment of {$500.00} was made ( the full amount with extra equity payment ) not once but twice. This has left my family in a financial crisis. I immediately called Wells Fargo and spoke to XXXX of XXXX, MD ( Operator XXXX ) and confirmed the previous customer service rep did not follow the correct procedure. He states the payments will be returned to me, however this will take 1-3 days of processing and then 1-3 days to show up in my account. I do not feel this is fair. The processing and waiting times have left me without any funds for the remainder of the week and I also need to cancel other payments. I do not even know what the overages and additional charges my bank may have from the result of this error. XXXX states I need to mail my statement once i have that information. They will take some time to review and determine if they can reimburse my fees. Again, I feel this extra encumbrance to the customer for what is clearly the company 's error is not acceptable. I am lodging an official compliant and request assistance in getting this matter resolved quickly.

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 2016-08-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was released from my teniored job last year and informed Navy Federal. I continued to make payments throughout this year as I could. I was then referred to a special collections department who allowed me to make small payments to show effort until my full time job started at the end of XXXX. My collections specialist XXXX XXXX was in an accident and a schedule check payment was unable to be stopped but was rectified by an ACH transfer later that week before the returned check. On XXXX XXXX our account was placed for repossession and picked up the same night. Tuesday we called into Navy Federal and they explained it was because of bounced payment checks after having our Collections Rep explain the accidental submittal we were directed to another department. That department is Fiance Management. An agent by the name of XXXX ( only XXXX she said in department ) took an application for deferment through XXXX XXXX 2016. We accepted the terms and awaited the Repossession division of Navy Fed to send a release so we can pick up our car at XXXX XXXX XXXX. Two days have passed and they refuse phone calls or to provide documentation of said agreement. The repossession department has told the XXXX XXXX not to even speak to my fianc that I had relinquished rights to speak on my account on every occasion and that they are refusing to release the car even with the deferrement showing a zero balance due and only the repossession fees to be paid at the XXXX XXXX. It is my belief they are intentionally holding my vehicle to either remand custody or to rack up fees as punishment as they have continually reprimanded me as if I was their child and dehumanizing me with their lack of action. I rely on this car and have been very corporative through the whole process even before the repossession. No one at Navy Federal says they have authority to protect my consumer rights I just have to wait it out. This is inexcusable and has put my family in a downward spiral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with Wells Fargo in regards to a loan modification : But, before you can be reviewed you have to pass their " ReEntry team ''. This team decides whether or not you should ; d be reviewed for a loan modification. If they say " you are not worthy of a review '' they deny your request, and you do not have an option of an appeal process. They violate your " Home Owner XXXX '' by not reviewing your file. I just want to save my home.

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: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
please remove all fraudulent accounts as i have no knowledge of them. due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over

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 2016-06-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a short sale for over a year from Wells Fargo NA. I submitted several short sale offers but they got rejected because the bank stated that I had a surplus but they never included my partial claim from HUD that totaled XXXX when reviewing my account. I also received letters that stated I did n't meet the terms of the Approval to Participate, but I never received any letters regarding this. I finally was able to speak to someone that could answer my question of why was n't my partial claim being included in my payoff statement. He admitted that the partial claim from HUD was not included in the payoff statements mailed out to me or when reviewed for a short sale. Due to this major oversight by the bank I am now in active foreclosure and have a declining credit score.

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 2015-08-23
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been waiting for ACS XXXX ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. Wells Fargo is the lender and may have knowledge and/or approved of the following conduct by ACS. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into one federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.

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 2016-02-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We are XXXX and do not have a loan with Wells Fargo Dealer Services but they have repeatedly called us ( for years ) and as recently as today. This is very upsetting to us and we do not want to be harassed. These calls apparently pertain to our adult son who has not lived with us for decades and we have no information to provide - which we have explained to the many callers in the past together with asking that they do not call us. The phone call today was made to our home on XXXX ( In the past I have also received calls on my cell XXXX XXXX XXXX ) from somebody stating her name was " XXXX at Wells Fargo Dealer Services '' XXXX ( caller ID number ) with a message to call back XXXX for No. XXXX. The telephone call came in at XXXX. In the past we have received calls from persons representing that they are from Wells Fargo Dealer Services from other numbers including XXXX. These agents not only ignore our request not to telephone us but in 2014 an agent from the XXXX number provided me details on the subject account history over the phone that included the amount of arrears, collection efforts and assertions that my son was a criminal. I have subsequently learned this was illegal. We are tired of these calls and are filing this complaint to documents them as well as demand that we stop being harassed.

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 2016-12-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Representatives of plaintiff has not disclosed actual amounts owed which has not been on previous statements. It lists general number. It does not included homeowner 's insurance that was bought by plaintiff and is added to total debt. Defendant or owner has own insurance which plaintiff 's representatives did not take out. New totals should be recalculated. Also, bank refused to give loan modification and lost all information during such. Multiple copies have been sent and also lost by Wells Fargo.

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 2016-02-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i filed Chapter XXXX the trustee was making payments on my behalf. I dismissed the BKXXXX and contacted the lender after the run around going from the BK department to customer service. they finally tell me to go to the branch that made loan. they show on my credit report charged off and full amount due This is not accurate they have tried to damage me more I know they have been paid {$150.00} through the trustee known they want full amount and using the credit bureau to get it from me and have not made any effort to show it is still in installment payments. they need to be informed they are practicing tatics to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Patenaude & Felix A Professional Corporation
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am currently paying off a XXXX XXXX through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. Patenaude & Felix, a.p.c are now trying to collect on the SAME debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While performing a credit check through XXXX, a new loan just magically appeared on my credit score. I have no knowledge of who bayview loans are. I feel as if XXXX XXXX may have taken the original loan and sold it to this new back without sending any information about all the reports I have filed through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent a Notice of Rescission to a claimed creditor, Bay View Loan Servicing, LLC on XXXX XXXX, 2015. This notice is also recorded. Rescission is effective on the date of mailing and it renders the mortgage contract which in my case was a note and deed of trust VOID by Operation of Law. 
The unanimous XXXX Court Ruling decided on XXXX XXXX, 2015 and written by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is the most recent ruling from the highest court on the matter of TILA Rescission. 
If Bay View wanted to oppose the above mentioned Rescission, they could have done so in the 20 days following the date the notice was sent. 
Because Bay View Loan Servicing, LLC has ignored the notice of Rescission and has not filed a lawsuit in the 20 days following the notice date, the Rescission in question can no longer be contested or opposed. According to TILA, Regulation Z, and the XXXX Court, the Rescission was effective the moment the notice was mailed. 
Bay View Loan Servicing, LLC has not responded directly to any communication including to the notice of Rescission sent to them on XXXX XXXX, 2015. 
XXXX Trustee who initiated foreclosure proceedings on my permanent residence with and for Bay XXXX Loan Servicing continues to file legal notices about a pending foreclosure as if mortgage documents still existed for the property in question. XXXX Trustee was notified of the notice of Rescission yet they deliberately ignore the law. 
By Operation of Law, no note or deed of trust exist for the above mentioned property. 
" ... .if there is no note and mortgage then anything that happens afterwards is void because you ca n't get a foreclosure on a mortgage that legally does not exist even if a copy of the mortgage is sitting in county records. And a sale would also be void. " Who will make Bay View Loan Servicing, LLC and all of the parties they seem to direct, XXXX Trustee and claimed partner/servicer XXXX XXXX XXXX Bank with addresses in New York and Texas accountable to obey the law? 
I would appreciate the CFPB looking into this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AMCOL System, Inc. violated Fair Debt Collection Practices Act [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 

AMCOL System, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( 8 ) False or misleading representations. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

AMCOL System, Inc. violated the North Carolina Collection Agency Act section 58 70 110 ( 4 ) Falsely representing the character, extent, or amount of a debt against a consumer. 
AMCOL System, Inc. violated the Fair Credit Reporting Act 1681s-2 ( b ), A person shall not furnish false information to consumer reporting agency. 

AMCOL System , Inc. reported to consumer reporting bureaus inaccurate information such as but not limited the alleged collection account date of delinquency ; therefore, resulting in inaccurate reporting periods, etc. 

AMCOL System , Inc. 's violations of the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and Fair Credit Reporting Act are documented as follows : Exhibit A : Written correspondence dated XX/XX/XXXX which I sent to AMCOL Systems , Inc. requesting validation, etc. ; sent via Certified U.S. Postal Mail. 

Exhibit B : Correspondence dated XX/XX/XXXX from AMCOL Systems , Inc. addressed to me in response to Exhibit A. 

Exhibit C : AMCOL Systems , Inc. credit reporting entry on my consumer credit report. Said credit reporting entry of AMCOL Systems , Inc. clearly stated a false Date of XXXX Delinquency : XXXX of an alleged debt, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I told the company that the amount was to high so they changed the amount in half for only XXXX payments being on social security makes it harder to make payments when the payments are so high last year i gave this company my entire paycheck had nothing for self its like working for free the company responded like they did care as long as they got there payment

Company response to consumer: Closed with explanation