BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-05
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Other

Complaint:
Elan Financial Services have failed to pay me the incentives they promised me for credit card use. 

In early XXXX, Fidelity switched their credit card service provider from XXXX to Elan Financial Services. Elan Financial Services issued me with a new account and card. 

Shortly after the account switch, on XXXX XXXX, XXXX, I called Elan Financial Services specifically asking whether there was an incentives cap. I made this enquiry as the prior service provider to my Fidelity credit card account ( XXXX ) did have such a cap, and over the years in using that card I have systematically switched to using another credit card when I reached that cap. Thus, I made a specific call to understand whether I would need to continue to switch to another card under the Elan Financial Services incentives program ( I would have made such a switch in the card used for spending should Elan Financial Services have told me on XXXX XXXX, XXXX, that their program also had a cap ). 

However, on XXXX XXXX, XXXX, Elan Financial Services specifically informed me that such a cap definitely did not apply to my account. Please note that I have notes of that call, and I expect that they record phone calls for quality purposes. 

Following several subsequent phone enquiries in late XXXX, I received a letter from Elan Financial Services on XXXX XXXX, XXXX, informing me of a cap and refusing to pay for incentives stemming from approximately {$30000.00} of spending in the fall of XXXX. This spending equates to approximately {$600.00} in incentives owed to me. 

I have since written them again reminding them of these facts and demanding 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 2021-12-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Fair Collections & Outsourcing on XX/XX/2021. They are trying to collect a debt for the XXXX XXXX XXXX. In XXXX, I contacted XXXX about the notice. XXXX told me to ignore it, since the debt is not shown on my report. It is not shown on XXXX XXXX XXXX. I received another notice dated XX/XX/2021, exactly the same as the original. I have never contacted, leased or purchased anything from the XXXX 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 2016-09-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am an attorney in Maryland representing XXXX XXXX XXXX and XXXX XXXX relative to their primary residence located at XXXX XXXX. in XXXX XXXX, XXXX. On their behalf, my firm has been endeavoring to obtain a loan modification from their lender, Carrington Mortage, for the XXXX since XX/XX/XXXX. Unfortunately for the XXXX they have been thwarted or denied for said loan mod. not for anything on the merits relative to their financial wherewithal, but rather due to " incomplete packages '' which is frankly plain not truthful. What is occurring is that they keep asking for " new '' paystubs for XXXX XXXX after they take so long to review the overall package that the paystubs ( which do n't actually change ) go stale. It is, simply put, Carrington 's inefficiency that causes the paystubs to go stale, and they in turn determine that the package is then incomplete. The lender 's lawyers, XXXX XXXX XXXX, XXXX XXXX, are not willing to do anything about this clear strategy of denying my clients without actually reviewing their package. All this from a lender who took TARP money knowingly and willingly. THERE IS NOW A SALE SET FOR XX/XX/XXXX which they are not willing to cancel. Hence, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I DO N'T KNOW WHERE THIS DEBT IS COMING FROM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services has " lost '' {$700.00} of payments that I have paid towards my mortgage. They are considering me late and charging me monthly late fees. I have contacted them numerous times, provided copies of cashiers checks with no resolution. The " history '' they provided is so scattered it does n't clearly show me where the funds the were applied. Either they have violated RESPA with overfunding my escrow account or they have misapplied my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX ny XXXX my complaint is that selene finance has not yet updated their computer systems showing that my loan XXXX is on a trail modification this is my third complaint regarding this matter when I call on XX/XX/2021 a representative claims that I'm not on a modification and that it doesn't show then I told her I got copy of letter from selene finance corporate executive team showing that I'm on a trail modification. Then she tells me that the computer systems was never updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CT
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
we signed up with Global Client Solutions to consolidate our debt with some creditors. They said they would handle all the negotiations and our creditors would be paid. We could never reach anyone on the phone, we were paying XXXX a month for 11 months, I sent them statements and letters from creditors, they said do not answer phone calls from creditors. one day a Sheriff showed up my door gave me a summons to appear for court, being sued by XXXX creditor, I then called a friend who was states attorney and he said it sounds like you 've been scammed, also XXXX was involved with this scam, so I was wondering if there is any recourse in recovering monies I sent to them and was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: NCC Business Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment and in XXXX XXXX, I bought a home and did not sign a lease, I did a month to month for XX/XX/XXXX and XX/XX/XXXX. I did a walk through and did not owe any damages and gave them proper notice. I also paid my rent via check and I have proof that I paid in XX/XX/XXXX, because it was a pro-rated amount for {$75.00} and I submitted the proof to the collections agency as my old bank is trying to research the XX/XX/XXXX check from XX/XX/XXXX. I left in good standing. I faxed my documents to the agency on XXXX/XXXX/XXXX and they were supposed to forward it to the apartment management company. I followed up on XXXX/XXXX/XXXX and was told it takes 7 days for it to show up in their system, it has been 8 days. I have n't been able to contact the apartment owner, XXXX XXXX, as they no longer own the apartments. I was told I owe {$1200.00}, when I have paid and submitted documentation. the rep at the collections agency, stated that now they are saying that I did not give notice, and that is what the bill is for, when I gave notice, because it was up in XXXX XXXX and I was able to stay there until XX/XX/XXXX when I moved into my home and gave more than adequate notice. I left a forwarding address in order to receive my deposit, which I never did and have not heard anything from anyone in 6 years. The collections agency refuses to accept my proof. It stands to reason that I paid XX/XX/XXXX and would also have paid XX/XX/XXXX. I feel this is an attempt to extort money from me. The apartment manager at the time was XXXX, and I did give her notice and she was the one that came up with the pro-rated amount of {$75.00} for XX/XX/XXXX. I paid my rent on time monthly for the time that I was there, was never late and did not leave any damages. I feel the collections agency just wants to get money from me that I do not owe. The rep today, XXXX stated that she was going to order and mail me the validation of debt today, XXXX/XXXX/XXXX which I do not believe, as the other rep, XXXX XXXX, on XXXX/XXXX/XXXX gave me a fax number to send documents that they have not sent to the client in order to resolve this issue. the fax was sent on XXXX and I validated the fax number with the rep named XXXX. I hope that I wont have to get an attorney to challenge this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: Total Card, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent Total Card, XXXX certified letter on XX/XX/2016 and requested proof and verification that the debt is mine ( signature, etc. ) as of XX/XX/2016 I have not heard from the company and it is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a balance on my transunion credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a new complaint against Carrington Mortgage Services, following a prior complaint ( Case no. XXXX ) which was resolved. Carrington Mortgage Services responded to prior complaint by agreeing to rescind a foreclosure and recognize a prior loan modification offer made to my client from a transferor servicer. In its efforts to fufill their commitment, Carrington Mortgage Services made the following errors in servicing my client 's loan : 1. While servicing my client 's loan, Carrington Mortgage Services ( CMS ) charged unsubstantiated and erroneous fees to his account totaling {$620.00}. These fees include a late fee for non-payment of the fees. After contacting CMS to request the basis for each fee, CMS gave a list of fee charges and dates that could not possibly apply to my client 's situation. Please see the attached letter for more detailed information. 
2. While servicing my client 's loan, CMS failed to properly calculate and implement the permanent FHA loan modification pursuant to FHA rules. These guidelines require that servicers implement delayed permanent loan modification offer in such that it will, " put the borrower in the same position as he or she would have been if the servicer converted the borrower to a permanent modification in accordance with the program requirements. '' Please see the attached letter for more detailed information. 
3. While servicing my client 's loan, CMS failed to respond to my client 's written dispute of the FHA HAMP modification terms, sent on XXXX XXXX, 2016. CMS Home Retention Representative XXXX XXXX instructed that I provide a written dispute of the modification terms and to fax it to a number he provided. XXXX XXXX insisted that the written dispute would be addressed within 30 days. CMS has still never responded to the written dispute. 
4. While servicing my client 's loan, CMS improperly distributed funds from an unapplied funds account when they removed these funds without applying them to the mortgage as interest, principal or escrow amounts.. On XXXX XXXX, 2016 CMS subtracted {$320.00} from my client 's unapplied funds balance without then applying any amount to principal, interest, or escrow and without allowing that amount to accrue to a full periodic payment when XXXX XXXX 's made a Trial Plan Payment eight days later. 
In response to this complaint I request that CMS do the following : 1. Remove all fees and charges from my client 's account, as he is current on his mortgage. 
2. Respond immediately to my client 's written dispute and re-execute the loan modification agreement using proper calculations in compliance with FHA guidelines, and do so without charging my client any fees or amounts otherwise. 
3. Account for any and all funds removed from my client 's unapplied funds account, and credit any funds that were not applied to interest, principal, or escrow back to my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Southern Management Systems Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called Southern Management Systems in an attempt to pay off the debt that is listed on my credit report. I called the number listed, and spoke with an operator who took down my name and number and said that she would give it to the person who I need to talk to and they would contact me. The gentlemen then called me back and said that I owed {$1200.00} and that he would settle for XXXX % which was {$930.00} but would just make it an even {$900.00} and remove it from my credit report. I said ok, will you send me a letter or some sort of confirmation of this agreement stating that if I pay {$900.00} then you will remove it from my credit. He responded " No I will not do that. '' I asked how I am supposed to believe him or have proof that that is what he said and he kept saying that he wo n't do it and then proceeded to call me a " liar. '' I asked how I am a liar and he said I just lie and that 's what I do. I 'm not really sure what that had to do with anything at all, but I just asked for proof again and he said after I pay him he will. I said I wo n't pay you until you give me some sort of proof of agreement first and he then said he was going to hang up on me and he did. I just want to get this taken care of and I do n't know how else I can do that if they wo n't even accept my payment. It should be standard for someone to ask for a written agreement of some kind and he completely refused. I do n't feel comfortable paying {$900.00} and running the chance of him going back and saying he did n't say that and not removing it from my credit. I also need proof of payment for a new apartment that I am trying to get.

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 2016-03-19
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is an extension compliant on report Case number : XXXX original complaint statement They are reporting XXXX accounts XXXX and XXXX I do n't not owe them a dime. I paid XXXX to original creditor XXXX paid in full. They do n't not have the right to report it to the credit bureaus as they do not own the accounts they are a third party. It 's only suppose to be XXXX account and they did duplicate accounts. I talk to XXXX XXXX XXXX paid them XXXX and verified there was only XXXX account. They are reporting inaccurate information to my credit bureaus. I do not owe them a dime I paid home shopping net in full XXXX!! 

They still do not want to delete debt from credit bureaus They are not authorize to collect interest as per original contract with XXXX XXXX XXXX the next step would be to go to the State General they have made false statements. They are govern by fair debt collection practices act California that they are violating here are some violations Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections XXXX ; 15 United States Code sections 1692d-1692e. ) I have recorded them treating me they would sue me garnish my wages ruin my life is all RECORDED if I did not pay them right away they also curse me out when I dispute the debt and tell them I do n't owe them a dime Debt collectors can not make false or misleading statements ( California Civil Code sections XXXX, XXXX ; 15 United States Code section 1692e. ) Some debt collectors supply information on debts they are collecting to credit reporting agencies such as XXXX, XXXX, or XXXX. However, a debt collector can not threaten to report your debt to a credit reporting agency unless it actually intends to do so and unless the information it is reporting is true. ( California Civil Cod section XXXX ; 15 United States Code section 1692e ( 8 ). ) The key word is true they have been reporting inaccurate information for more then 2 years wrong amount and multiple accounts where there is only XXXX account proof of payment has been summited XXXX pics XXXX bill under XXXX XXXX last transaction on XXXX 2016 conformation number XXXX gave me is XXXX phone number they gave me for debt department is XXXX Here is a blog of other people with similar situations maybe class auction lawsuit is warrant here 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 2021-12-30
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I pay my homeowners insurance through my escrow account with NewRez LLC. My insurance payment is due in XXXX of every year. Last year in XXXX, I received a notice of cancellation for my homeowners policy due to non-payment. I contacted NewRez LLC and they admitted that the payment was never sent out. They overnighted a payment and my policy was reinstated. 

Today, XX/XX/XXXX, I received a call from my insurance company again letting me know that my policy was cancelled due to non payment. So I called NewRez and they again admitted to not preparing a payment to be sent out. They agreed to overnight another payment to my insurance company to ensure my policy was reinstated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Three years ago we refinanced our home with XXXX XXXX to get a lower interest rate. During the first year of this refinance we received a notice stating that we needed to start sending our payments to LoanCare, XXXX. We did this for nearly two years, during the last 6 months or so we got behind on our payments and was offered a Loss Mitigation by LoanCare. This Loss Mitigation was approved for a four month trial period. We made our reduced payments every month during this trial. In XXXX Loan Care sent us a notice that we no longer qualified for the loss mitigation and that we owed the full amount in mortgage payments. They did not give us credit for the payments that we made during this four month trial period. We have been unable to get anyone from LoanCare to give us a reason why this money has not been applied to our account. We feel that an investigation should be filed in order to find out if this is a common practice for this company and put a stop to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money.

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 2016-10-30
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Rash and Curtis has not replied to my letter requesting validation of debt which was received via certified mail on XXXX XX/XX/2016 and continues to be reported on my credit report. Rash Curtis and Associates have violated federal law, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

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