BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-16
Company: COOLEY ENTERPRISES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchase a car from Clay Cooley on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my car broke down. The company made me pay XXXX dollar for a loaner car in addition to my car note. They kept my car until for over a month without fixing it. Once it was finally fixed I ended up taking the car back 2 additional times for the same problem. On XXXX XXXX they traded me to another car. After having the new car only 3 weeks I had problems with it. I took it in they supposed to have fixed it and a week later it is now back in the shop. I have made all my payments on time and have continued to receive bad service. I still am not driving my car and I have requested upper management to get involved and arbitration but no one will help. The company will not remove the other car loan from my credit and I was told that I would get the new car for the same price as the old but they increased the price and made me pay for another warranty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a housing counselor for a non-profit hud certified housing counseling agency representing a client with Carrington Mortgage who has applied for a loan modification ; ( the loan mod process started with XXXX and then transferred to Carrington ) we have both contacted the lender repeatedly and on XXXX XXXX, they finally stated they had a complete package and they were waiting on the irs transcripts and title search to come back. Then on XXXX XXXX they closed the file for not us not providing documents. I have called with the client on conference with the lender and was advised the spoc had incorrectly notated the file and they did n't have all the documents and closed his file. They had mailed him another package and advised us we had to completely redo another file in order to be reviewed. I argued why should we have to start all over again when you already have all the information. I asked to speak to a manager and was adv one was not avail they were in remediation and that they would have to call me back. I also asked to be put to the spoc and she did n't even attempt to get her on the phone. This is the XXXX time they have made us restart and now are wanting it done a XXXX time. This client is/was current at time of submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a collections account on my Equifax credit report that is incorrect. I disputed an account back in XXXX of 2016 ; from a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX The account was removed on XXXX XXXX, 2016 because the company failed to verify the account or provide any contracts that I may have signed with them ; because I do not have a contract or agreement with XXXX XXXX XXXX, XXXX The account has since been added back to my Equifax report. According to state and federal laws and my rights as a consumer ; I am supposed to be notified within 5 days of the account being reinserted onto my Equifax report. I was not. I was also never given proof of a " verified '' account or contract that I signed with XXXX XXXX XXXX, XXXX Aside from all of the above, the statue of limitations are up on the account for the state of Arkansas and reporting to credit agencies. To go even farther, they are not authorized in my state. This situation is preventing me from being a productive citizen. It makes me look unstable and it is unfair credit reporting of an account that does not belong to me. I would like this item removed from my credit as soon as possible and all information pertaining to me be deleted between myself and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$1300.00} ; XXXX XXXX Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2017-03-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a complaint that is referring to a previous complaint # XXXX. I could n't find any way to update my original complaint, so I had to make a new one. In summary, my husband and I were given a letter by XXXX early in XX/XX/XXXX that our property taxes from XX/XX/XXXX were not paid through escrow by our mortgage company, Carrington Mortgage Services , LLC . We immediately informed them and asked them to pay so we would not lose our home to the auction process. 

By the end of the month, Carrington still had not paid, the deadline had come and XXXX XXXX was ready to start the auction process, so we had to use our savings, scrape together the money to pay the taxes ourselves. We then requested ( through writing/fax on XX/XX/XXXX ) that Carrington immediately refund our money. This is the money THEY should have originally paid through our escrow in XX/XX/XXXX. 

When I called today to ask about our refund ( now three weeks after my first request ), I was told that they must complete an 'Escrow Analysis ', and that they need 15 days to figure out if I am to receive a refund. This is ridiculous. They are making it our fault that THEY messed up our escrow account and did n't pay our taxes. We almost lost our house and are out {$2100.00}. Which we are just trying to get back. A year ago they bumped up our mortgage payments an extra {$250.00} a month to 'pad ' our escrow account! There is something wrong here. Very wrong. 

We just want our money back. If we were to have a family emergency, we would n't have the money now because we had to use it for this. 

I am attaching documents showing the delinquent tax bill. My proof of payment. As well as XXXX escrow documents sent to me by Carrington. One from 16 months ago, which I believe to be a 'falsified document ', showing that the tax was paid, and one that I requested last month showing that in, fact, the taxes were NOT paid in XX/XX/XXXX out of the escrow account. 

Please help us get our tax money/savings back. We always make our payments. We believed our taxes were being paid through escrow. We have done nothing wrong to deserve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in foreclosure now because our mortgage company did what you dual-tracking. While we were in the process of sending and faxing information to Carrington mortgage company for months. They were already signed over our note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company called from XXXX said they were with compass bank and that they are collecting on a loan that was depostited into my account in 2010. They had the last XXXX of my ssn. Rep said that if I did not pay by Friday they would come to my job and arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Other

Complaint:
I used a XXXX gift card to make a purchase at XXXX on XXXX XXXX, 2014. I maximized the value of the card, so I discarded it. On XXXX XXXX, I returned the merchandise to the vendor and a credit was issued to the gift card in the amount of {$39.00}. I contacted XXXX to find out how to get the credit and have been given the run around. XXXX, I was told to submit the first XXXX digits of the gift card number and the tracking number to the issuing bank. I got the numbers from the vendor and submitted tehinformation to US Bank National Association. I contacted XXXX again and was told to fax a copy of my return item receipt, my XXXX and XXXX name, telephone number, mailing address and email address to teh XXXX and XXXX Unit at XXXX. I faxed this information on XXXX XXXX, 2014. As of date, i have not received any credit or response from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have this payment on automatic pay. I never miss a payment. The bank generally changes my mortgage payment due to shortages or overages on the impound account. This is okay. However I never get their notices. They increased my payment XXXX dollars and because that overage was not paid they charged me a XXXX dollar late fee even though I made the XXXX dollar payment on time. There should be a law that banks can not charge more on a late fee than what is owed.

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 2016-09-18
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was put into forbearance without proper notification, which is now costing me over {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Global Credit & Collection Corporation
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
debating onI received a phone call from a company calling themselves global collections services with a return number of XXXX threatening me to take me to court on a payday loan of {$350.00} made in XX/XX/XXXX that I did n't pay back. I never made a payday loan on the month in question. When debating on what to do it just so happened my mail carrier had a package for me to sign for he asked me what I was up too I explained to him that I received this phone call stating I owed {$350.00} for a payday loan that I never made and that I was being threatened to be taken to court. He informed me he also got a call similar and that he was going to call them back after work today ( XX/XX/XXXX ) after checking out this company and complaints I called the FBI and they told my to call the FTC and I was connected to the CFPB to report fraud activity and whoever they are they seem to be targeting the XXXX area in XXXX Michigan. How can I stop these activities and is there any legal actions that I can take? I am a XXXX year old man and calls like this made me very nervous and upset. I can only imagine what it could do to other senior citizens who are n't as alert to scams like these. I read of the complaints that were publicized that many senior citizens were threatened to lose there homes. bank accounts etc. And lost thousands of dollars due to scams such as this!

Company response to consumer: Closed
Consumer complaint received 2016-05-13
Company: First Data Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: RI
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: Investigation took more than 30 days

Complaint:
'm filing a complaint with a auto loan lender named XXXX XXXX XXXX, XXXX, and Experian. Back in XXXX of XXXX, I was granted a discharge from chapter XXXX bankruptcy. A few weeks later, I was approved for a auto loan on XX/XX/XXXX of XXXX. For some odd reason my credit file is reflecting as a closed account and that it was discharged alongside my bankruptcy which is a total XXXX up on XXXX and Experian. I've called XXXX which is which I owe the debt on and they said they have nothing to do with my fico score being reported to Experian and XXXX inaccurately. I've already tried filing disputes with both credit bureau but I get the same song and dance that my credit file is reporting accurately. I've included my XXXX  credit file which reflects my loan accurately, my bankruptcy discharge paperwork and the actual bill of sale of the car I purchased after I was completely 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 2017-03-21
Company: Shellpoint Partners, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I owned a house that was in foreclosure on 2012, now a Shellpoint Mortgage Servicing is sending me papers for loan modification, homeowners insurance and tax documents on the house that another bank owns. I send them a copy of the Certificate of Sale for the property and I asked them why they contact me and I still no answers. property address XXXX XXXX XXXX XXXX FL 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 2016-03-19
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-19
Company: Linebarger Goggan Blair & Sampson LLP
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX, I received a correspondence from Linebarger Goggan Blair & Sampson , LLP, indicating my vehicle was in " numerous '' XXXX. This matter was allegedly forward to the referenced firm for collections after no response was received. I never received any correspondence from XXXX XXXX XXXX XXXX XXXX regarding violations ; therefore, I can not be in violation of no response. The correspondence from " Attorneys Office '' threatens fines and additional fees if I did not pay an amount of {$79.00}. In response, I sent a letter dated XXXX XXXX, XXXX, disputing the alleged debt. Letter was delivered XXXX XXXX, XXXX, per USPS tracking XXXX. No response has been received from this alleged collection company/law firm. I want proof of this violation, proof the original letter was sent to me, an accounting of the violation fees and costs, and proof Linebarger is licensed to collect a debt in XXXX. This letter is harassing and full of lies. When you search this " firm '' online, all that is found is complaints everywhere. I do n't even recall ever driving on any tolls in XXXX. I want the CFPB to investigate the shady and false collection tactics that are going on here. I want a response from the this " firm, '' and I want justice for the stress that this matter has caused my family and I. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call/message received from Stoneleigh Recovery XX/XX/XXXX/XX/XX/XXXX. I called back and left message to not call me and all communication must be by mail. I also asked for proof the company was licensed to do business in PA. That certificate was received by letter dated XX/XX/XXXX and signed by XXXX XXXX , Director of Compliance. I received another phone call from Stoneleigh Recovery on XX/XX/XXXX and again advised the representative ( again on a recorded line ) to not call me. I then received another phone call from Stoneleigh on XX/XX/XXXX and told the representative to not call me. He informed me that he saw my do not call request noted in my account from the previous call they made to me on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted for a loan modification and every day we asked if there was a sale date. Just last week we were told that there was a foreclosure sale date on on XX/XX/XXXX 2017. We have to work with an assigned loss mitigation representative at Shellpoint mortgage and her name is XXXX XXXX which is never in the office. We have been submitting the same document ( Annual HOA bill ) for weeks and now she says it does n't state if it annual but clearly at the bottom of the page it does. Everyone we talked to said it met the requirement and were very helpful with what they thought we should do so we did all of it. All the paper work has been sitting in the office and XXXX XXXX is fully aware of the sale date and we are going to lose our home because she is n't in the office. There is a complete loss mitigation package everything and more in the office and she is n't in to review the package. We have offered to do a repayment plan or even a forbearance plan but were told it would take too long to get the figures from the attorney, however we have been saying we would go that route for two weeks. We are willing to do what ever it takes to save our home. We have not received any documents from Shellpoint mortgage in regards to missing documents what 's require we were even told to XXXX the HMDA paperwork to find it online. No ten day letters, no incomplete package letters, absolutely nothing. We just want a chance to save our home we are employed and can afford our mortgage we just got behind because of circumstances we could not control. We have resolved everything and are more than willing to do what ever we need to do. Please we need help to save our home or someone to listen and do what it is that needs to be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence RM is trying to get money for a supposed debt never handed over to them. They have my personal information and are after my SSN. It 's a scam. On XXXX/XXXX/2017, I received a call from a local XXXX, GA number, XXXX. The caller claimed to be trying to collect a debt on behalf of their client, XXXX. As I knew that my insurance had paid XXXX in full almost 6 months ago, I got off the phone and called XXXX directly. I found out from them that their records indicated they were paid in full, that the account had been closed for nearly 6 months, and that the account had never been turned over to a collection agency as it was paid promptly and in full. 

So, I Googled the phone number that I had received the collection call from and found Credence Resource Management LLC. I called Credence directly to try to clear up the matter, but was told they could n't look me up without my Social Security Number, which I was not going to give them, as they had already confirmed my name, phone number, and address, which would be more than sufficient to look up my account. I got off the phone and did some additional research on Google and discovered that Credence RM has a track record for calling from local numbers, never leaving messages, and for being a scammer. As I had been receiving calls from different local numbers recently, I decided to Google those numbers as well, and sure enough, they traced back to Credence RM. 

As my " debt '' does n't exist, and my information was never given to Credence RM, I 'm strongly of the belief that this company is illegally operating to scam people out of their money by illicitly obtaining confidential information, masquerading as a collection agency, and scaring people into giving them money and additional personal information that can be used to steal their identity ( such as SSNs ). It 's alarming to me that Credence RM has information regarding my previous medical treatment, that was not given to them by any of the involved parties ; it begs the question, " how did they get it? ". Given the numerous complaints against this company here on the CFPB, and on Google, I think this company should be investigated for illegal practices and scamming.

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 2016-01-12
Company: Skopos Financial, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file last XXXX of ss XXXX reported XXXX/XXXX/2015

Company response to consumer: Closed with explanation