BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: McCarthy, Burgess & Wolff, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
McCarthy, Burgess & Wolff, self-described as a " Accounts payable firm '' keeps calling and asks for someone by first name. There is no such person named like that here. I have asked them to stop calling, but a different person ( voice ) calls every few days. None of the callers will give their own names. Sometimes they refuse to give their company 's name. Caller ID shows their number as XXXX. Never received any ten correspondence from them, so they must be part of a fraudulent operation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I am able to get al my credit reports and information except Equifax. They say they are unable to recognize my social security number and have given me a lot of incorrect information. 
They won't assist me in fixing despite me explaining I've had 2 credit cards reporting my payments to them and having a 3 year old SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification 37 days prior to a XX/XX/2018 foreclosure sale date - I demanded that the sale date be cancelled according to the dual tracking clause on the regulation x law- Shellpoint did not do that. Mid XXXX I was notified that a modification had been approved and the sale date placed on hold. I accepted the modification with 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint has  reset another foreclosure sale date of XX/XX/2018 even though a modification has been approved and I am planning to pay in XXXX. So far my home was advertised 4 weeks in XXXX and now is being advertised 4 weeks in XXXX even though I have been given a modification. According to Shellpoint s letter which stated they would not do same. Also according to their letter, the first payment is due XX/XX/XXXX, and if not paid by the end of XXXX, the modification would be cancelled. that means that I can actually pay on XX/XX/XXXX. I do not trust Shellpoint with a foreclosure sale date of XX/XX/XXXX. With those terms they may reset another foreclosure sale date in XXXX, and XXXX advertising my home another 4 weeks each month - that could be a total of 16 weeks falsely advertising my home with foreclosure sale dates while I am making payments. I believe this is illegal and have spoken to an attorney - it is very stressful for me to face this type of illegal action. I am Demanding that XXXX be honorable and cancel the XX/XX/XXXX sale date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One is blocking me from enabling external applications. I am attempting to connect my bank account to XXXX in order to transfer funds for investment in currencies ; However, Capital One is blocking my access to do so. Consequently, I have just lost out on an investment that would have net me {$74000.00} - I am not very happy at the moment! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPMORGAN CHASE & CO.
State: UT
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 had a delinquent payment on my Chase mortgage for my XX/XX/2018 payment. When Chase attempted the ACH with my XXXX XXXX XXXX XXXX account, it failed because of the configuration of my XXXX account. Chase subsequently reported my payment as 30 days past due. I reached out to Chase and provided them with documentation by my credit union substantiating that the configuration issue led to the delinquent payment and asked them to stop reporting the delinquent payment. Despite this reasonable request, Chase continues to act unreasonably, stating they are not able to make an adjustment to their reporting because it was not a banking error made directly by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: CA
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:
Someone had used my information to pull Hard inquiry which I had never authorized..

Experian XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017

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 2018-03-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a 30 year conventional mortgage with XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage is serviced by LoanCare of XXXX XXXXXXXX, Virginia. There is NO escrow account for this loan- I pay all property taxes myself separate from the mortgage. I have never paid any monthly mortgage payment to LoanCare late, not even by one day. I have never paid my property taxes late for the property that is the subject of my mortgage with LoanCare. 

The second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes, owed to the XXXX XXXX, California property tax collectors office, was not due until XX/XX/XXXX. Again, I have never been late in the payment of any property tax payment. Nonetheless, in XX/XX/XXXX, LoanCare, without any authorization or right under the terms of my loan documents, claims it paid the second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes two months early. LoanCare did this even though there is NO escrow account for this loan, and there was no default or late payment by me in the payment of any property tax due. LoanCare admits this payment was completely a mistake on its part. There is nothing in the terms of my loan documents that authorized or allowed LoanCare to make such payment. 

Now, more than two years later, LoanCare has created a fake negative escrow account balance ( there is no escrow account for this mortgage ) for its unauthorized and improper property tax payment, and is demanding that I reimburse LoanCare for such unauthorized property tax payment. There is nothing in the loan documents for this loan authorizing LoanCare either to have made this unauthorized payment in XX/XX/XXXX, or to demand reimbursement for it from me now in XX/XX/XXXX. There is no escrow account for this loan and there was no right by LoanCare to make a property tax payment on my behalf for a payment not then due and not late or in default by me. Any unauthorized, voluntary payment by LoanCare was solely at their peril and is not my legal or contractual responsibility any more than if LoanCare made, say, a car payment on my behalf or paid, say, my XXXX bill and then demanded reimbursement from me. 

LoanCare can point to nothing in my loan documents that gives them the right to obtain reimbursement from me for their unauthorized and improper property tax payment. LoanCare is  now threatening to increase my monthly mortgage payment as of XX/XX/XXXX for its unauthorized XX/XX/XXXX property tax payment.

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 2020-07-01
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I. Have been paying on my debt. But. This company. Started sending bill collectors. To my house. And more than once. I asked. Them. To stop knocking on my door

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Cycleone Financial Group
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX/2016, I was excited to go in and look at motorcycles. I entered XXXX XXXX XXXX XXXX XXXX in XXXX FL. Prior to this i looked at inventory online and saw what I wanted and didn't want anything else but this XXXX XXXX XXXX sports bike. I sat with one of the sales guys and he told me I was approved and that my loan would be for 2 years. I was so excited about this I was not even thinking, i was signing away paperwork. The bike in the dealer was in the amount of {$5900.00} with dealer fee and tag title, came out to XXXX. I gave a down payment of XXXX. I have had my bike for 2 years and I am still making payments on this bike. I asked the place Cycleone Financial,  where i send my payments when i look at my documents they had me sign a Lease document on a used bike that had 32,000 miles on it, on the paperwork it states it had 18,500 and that is wrong. When i am finish paying this bike it would total {$14000.00}. If i would have known this i would have not bothered to take the bike. This bike since i took it out the dealers lot has given me problems, non stop. I asked and i was not able to even trade my bike in for another bike, i wanted to because the bike was giving me to much problems, i was denied that opportunity for a trade in. I was blind sided due to my excitement, this bike is not worth XXXX, not even with interest rate would this had come out to that much. My bike has been to a shop over 6 times in 2 and half years. I take very good care of it, its a passion I have but all these issue is uncalled for. When i first took it out all the lights were coming off, I had to use my warranty for a starter the 1st year. Thinking it was leased when I found out you would think they would let you get into something else especially when they automatically put you on a lease without you knowing. the paperwork from the dealer itself has my sisters social. Not on the one being attached. Motor has been replaced as well, like come on! I am really really upset.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE ALLEGED ACCOUNT WITH CONTRACT CALLERS INC WAS PLACED ON MY CREDIT FILE AFTER THE ACCOUNT WAS PROVEN NOT TO BE MY ACCOUNT FROM TWO PREVIOUS COLLECTION AGENCY XXXX  AND XXXX XXXX XXXX XXXXXXXX BACK IN 2016 THEREFORE THE ACCOUNT IS NOT VALID AND HAS NOT PROVEN THAT THE ACCOUNT IS MY ACCOUNT AND NEED TO CEASE WITH COLLECTION ON A FALSE ACCOUNT. I HAVE REACHED OUT REPEATEDLY TO CONTRACT CALLERS TO VERIFY THE ACCOUNT AS BELONGING TO ME BUT WITH NO VALE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Convergent Resources, Inc.
State: CA
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:
XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing. 

Fair collection and out - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.

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 2019-01-31
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
on traded in my car for a new car in XX/XX/2017, I was told I owed nothing else by the dealership, I them received not one but three bills total in reference to closing the lease. 
As noted in my attached letter, after paying the first bill and being told I was again paid in full I received a second and then third charge. Paid # 2, on 3 I requested written documentation of taxes as I owned the car for 2 yrs and  they were billing for 3. I was abused and repeatedly told by Honda Financial, to go to my town and get the info, that they had no info and that they did not care what my rights were. If as the announcement says on their greeting this should all be recorded. 
They reported me as delinquent to a credit bureau although this is not allowed under consumer law when a charge is in dispute. Finally after receiving a mildly plausible written explanation I paid them on XX/XX/XXXX a settlement amount they requested. I did write " to pay debt with acct # in full '' on check along with letter I sent with the check also confirming that. They proceeded to put me in collections for XXXX. I only requested they remove the information on my credit report and accepted their settlement ( not mine  ) as payment in full. Documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
deposited check via mobile app into XXXX XXXX ( XXXX XXXX  XXXX  account ) XXXX XXXX credited my account and then debited the account saying they never cashed the check. I contacted certegy ( XXXX XXXX XXXX processor ) and they over the phone claimed that they cant verify the check was cashed or not. they can only provide information if they approved the check cashing transaction or not. I requested my full report from certegy ( check services ) and listed under cashed checks was this check I deposited into my XXXX   XXXX XXXX account. Ive been scammed XXXX XXXX refuses to make deposit available and certegy is playing along. both doing Fruad and scamming people BE AWARE PEOPLE!

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
transunion and XXXX showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018

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 2018-06-06
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: NC
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: Problem getting your free annual credit report

Complaint:
I'm in the process of purchasing a home and XXXX credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact XXXX to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I sent a handwritten check payment overnight through the USPS with a receipt of proof. GM fiancial started sending me late, no payment received notices on XX/XX/XXXX. On XX/XX/XXXX I called customer service and I sent an email to cxo.resolutions@gmfiancial.com showing the payment was withdrawn from my account on XX/XX/XXXX. I spoke to customer service to get the email on the 12th. I then spoke to customer service 2 more times and sent an email to XXXX XXXX showing proof of withdraw. I never heard from anyone until I recieved another late payment notice in XXXX. ( my statement is how I was contacted ) Again 3 more phonecalls and numerous complaints on GM complaint site, no one was willing to help me. Each customer service rep kept telling me they needed an entire bank statement in order to solve this matter. I sent a third proof of payment again on XX/XX/XXXX after someone in the complaint department reached out. For the first time, I was told the proof could not be an aldered bank statement, nothing blacked out, they must see everything including my deposit and withdraw of payment. XX/XX/XXXX Two more phone calls, one hung up on me, one CSR laughed and put me on hold when I asked for a manager. XX/XX/XXXX My federally insured bank sent proof to me to send on, but GM said it was unacceptable. At my wits end I went back to the post office and they helped me track the bill. IT was delivered and signed for ... XX/XX/XXXX ( MY GM dealership helped me track it down and see who and where it was delivered ) XX/XX/XXXX After a lengthy call ( 1 hour 20 minutes ) I was told the only way to solve this was to give them a rolling bank statement. Through my dealership I found that XXXX is the bill pay company. Finding them on the web and calling, phone disconnected but I found they were bought buy XXXX, which I have tracked down myself. XX/XX/XXXX I called XXXX  to share my concern of the missing payment and thank goodness someone there was willing to help. XX/XX/XXXX ccording to XXXX they are working with GM to find my payment. It has been 10 phone calls to GM, 2 to XXXX XXXX, 3 emails of proof, numerouse complaints, and 4 months of searching .. still no resolve and it is hurting our credit report! I am angry and frustrated that GM treats their customers this way and they have a right to my entire bank statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Rock Holdings Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX, a subsidiary/partner of XXXX XXXX XXXX  was the settlement agent for my refinance. I have requested proof of actual repayment of the mortgage loan. They have not provided proof and I have not received a cancellation of the mortgage. They have recorded a new mortgage without cancelling the old mortgage.

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 2018-04-19
Company: Aldridge PIte Haan, LLP
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received an initial demand letter from the XXXX based law firm, Aldridge Pite Haan on XX/XX/XXXX. Within the demand letter it is stated, " At this time no attorney at this firm has personally reviewed the circumstances of your account. '' and was signed by the " Collections Department '' for this firm. 

This morning on XX/XX/XXXX, I was served with a Summons to file an answer in regards to this debt. I believe this to be completely misleading as the demand letter states that no attorney had reviewed the circumstances of the account yet suit was filed. I have no indication that my account did in fact have meaningful attorney involvement after the initial demand letter from their " Collections Department '' was sent. It is my understanding a collections department or collections manager for a firm can not file suit on you, only an Attorney can. I received no communication from an attorney after review of my account, if in fact a review was conducted at all before suit was filed. 

Given the recent investigation from the CFPB in regards to the Ohio law firm XXXX, XXXX XXXX XXXX where there are claims of falsely represented in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. I am only lead to believe that this falls in the category of not just letters being mail but lawsuits being filed.

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