BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is constantly calling me multiple times a day. I 've had days where they call me a minimum of XXXX times. They use different numbers from all over the United States. I block XXXX number and they call me a little later from a different number. They call me on my cell phone using tons and tons of numbers every day of the week. They call my house phone every day of the week at least 3 times a day. There is no rest from them whatsoever and it 's harassment at this point. I do n't even know what the supposed debt is. I know I have debt but I do n't remember ever being told what debt this is. They call and never leave voicemails. I search the numbers and find out it 's them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned the car at the end of my lease. A charger that came along with the car was returned later to the nearest dealership. Toyota wants to charge me a ridiculous {$950.00} for forgetting to return the charger. They did n't even call me about the charger. As soon as I noticed it lying in my garage, I went to the nearest Toyota dealership to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
this company has continued to try to report this debt when I have sent them copies of the information that they have requested such as the police report and notarized copy of id theft affidavit. I have and will again send/attach with this complaint the police report and id theft affidavit - notarized. so that the cfpb can see for yourselves the information that has been sent and is being ignored.

Company response to consumer: Closed
Consumer complaint received 2015-12-30
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M & T Bank is reporting a foreclosure on my credit report which is incorrect info. 
I had an account that XXXX incorrectly started foreclosure proceedings but we went to court and they lost and we paid off mortgage balance. I have disputed this matter with credit report agency 's as well as M & T Bank however they refuse to send the verification info as to what they are reporting and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I signed and executed a modification agreement. During the modification agreement term, my mortgage servicer changed ( XXXX XXXX. to Caliber Mort. The new mortgage servicer ( Caliber Mort. ) took an amount that was to be put on the back end of my mortgage as a current obligation. When I advised of the prior servicers agreement ( XXXX XXXX. ), the new servicer ( Caliber Mort. ) refused to remove the amount as a current obligation and return it to the back end of the mortgage. The new mortgage servicer ( Caliber Mort. ) kept the amount as a current obligation incuring late charges and then sought to foreclose on my property.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-15
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint because my mortgage payments are missing. I have had XXXX dollars paid on my behalf to Ocwen from XX/XX/XXXX to XX/XX/XXXX. My loan balance in XX/XX/XXXX was {$120000.00}. My balance XX/XX/XXXX in {$110000.00}. I am missing XXXX of payments applied to my account. My balance should be XXXX. I have called Ocwen on several occasions but I have not gotten a response. In addition, I have attempted to apply for a Principal Reduction but I have not gotten any response from Ocwen. I will have to sell the house because my mortgage is not adequately serviced by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Consumer Asset Management (Texas)
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX XXXX has been phoning my home from an untraceable phone number ( perhaps registered somewhere XXXX XXXX and when I phoned him back he told me he was working for a " client '' that told him I owed over {$13000.00} to a credit card company and they were going to add {$5000.00} in penalty. I tried to get his address, he refused. I told him any debt resembling that amount was paid off years ago. I asked the name of his " client '' and he refused to tell me. He also had a recorded message from another untraceable phone number leave a message about the government starting an action. He hung up on me twice. He was very rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Consumer Asset Management (Texas)
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. 
Her claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. 
I asked her about the original creditor to find this information out. 
During the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. 
I again told her that this was not correct and got her information. 
I emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. 
I also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. 
I call XXXX XXXX back at XXXX ext. XXXX. 
She again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} 
I informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. 
At this point she told me to hold while she went to get my file and hung up on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Rewards

Complaint:
Citi cards refused to give my reward money even though had already earned it when accouterments was closed due to poor customer service.

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 2016-07-02
Company: Medical Business Bureau
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was pregnant and had 100 % medical coverage.I do n't realy know what service was performed to me and name of doctor.Never received any explanation or invoices for this amount.I have all receipts paid in full on hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Franklin Collection Service, Inc.
State: SC
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 receive multiple phone calls a day from Franklin Collection Services attempting to collect a debt from a XXXX XXXX. I have no idea who this person is and each time I ask to have my number removed from their call list. I am told that they are removing my number each time, but just receive phone calls from a different number the next time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Franklin Collection Service, 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:
Debt was finalized XX/XX/2016. I 've retain letter notifing that debt was paid in full. This is ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: AP
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I became aware of an account opened with Chase bank when I applied for a credit card and was denied due to delinquency with the bank. I informed the Chase bank that I have no account with Chase bank, so they looked up my SSN in their system and they found there was and account open with my SSN in another name. After two and a half hours on the phone with Chase, I finally reached the Security and Fraud team of Chase who asked me to fax a copy of my SSN Card to them. I have problems with the situation where I 'm trying to report Identity Theft and fraud to a company that wants me to prove who I am by me faxing my SSN Card to a location that I can not determine the destination. During my talks with them they had immediate credit reports from XXXX, XXXX, and XXXX at their fingertips that indicate that my SSN is connected with my name, yet they place the burden of proof on me to prove who I am after failing to perform due diligence in verifying the person whom opened the account with my SSN. I was underwhelmed by their service. Chase was delinquent in obtaining sufficient identification from someone who sought and achieve taking money from them in the form of a loan, and they have place the burden of identity on me. It appears that Chase has sold the loan to a strong arm collection agency and I 'm now being asked to pay the money at XXXX and other crazy times. Very upsetting. Chase get with the program, you should be ashamed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Alorica Inc.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Global Receivables Solutions is trying to collect a debt for XXXX XXXX 's that is current. XXXX XXXX 's has combined all three accounts into XXXX account, not at my request and I have been sending monthly payments to that account. I feel as if XXXX XXXX 's is trying to confuse me by sending me separate bills for each account and then XXXX bill that has all XXXX accounts combined. I send a payment to the the account that has all XXXX accounts every month so I am not sure how XXXX XXXX 's thinks I can and should make a payment to each account and another payment to the the account with the joint accounts and then Global Receivable Solutions wants me to send them payment for the same accounts. I have sent a letter to Global Receivable Solutions disputing one of the collections and now have received another collection notice for another one of these accounts and have recently received a third collection notice in my Daughters name who is a minor. I am asking for help so that this does not affect my credit or my minor daughters credit by being sent to collections. In my letter to Global Receivables Solutions I have asked for verification of debt and they refuse to send me any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Aqua Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This is actually a dispute complaint to respond to Aqua finance 's response to our latest complaint against them and there colleagues. Aqua finance in there response stated that they are glad I sent pictures, they did n't expound on which pictures and if they are referring to there work trucks you can clearly see there trucks have tx plates. XXXX was using there work trucks to follow me down XXXX just about every day and also when I would leave XXXX driving on XXXX. It seems funny that XXXX is discussing some of the pictures but what about the correspondence between them ( Aqua finance ) and the XXXX that I sent your department? The correspondence clearly shows that Aqua finance like a lot big companies when they get cornered they will lie! Aqua told the XXXX that they do n't have any other company working on our account, that was a lie and if your department have been reading our update complaints you know from reading the documentation that after numerous complaints submitted to the XXXX Aqua finance finally admitted to having a 3rd party company working on our account by the name of XXXX XXXX. Aqua finance also stated to the XXXX that they do n't work in real estate and that they never have and they never will. Another lie if your department reviews there web site you will see not only is Aqua finance involved in real estate, but they are also involved in mortgages, car loans, and personal loans. This is just a short list of Aqua 's business ventures. Aqua has clearly been caught in several lies and it 's on paper! This company and there colleagues have been felony harassing my family for over 4yrs. Aqua illegally sued us without our knowledge and have been trying to force us out of our home for the last 4yrs. We even tried to pay these crooks 3yrs ago and finicial systems of greenbay told us they do n't do written contracts. Finicial systems of greenbay told us they only do verbal contracts and we knew that was n't right. They had 1 of there XXXX ( agents ) damage our sons car so I called the police and I told the officer what has been going on. The officer told me not to pay them because without a contract we have no proof that we have been paying them. I also came to the realization that there ca n't be a contract because the case is supposed to be closed! Once again these companies are caught using illegal practices. Aqua has almost XXXX XXXX complaints that have been submitted against there company and there affiliates. All these victims saying the same thing ca n't be lying. The next time we talk to Aqua will be in court with our lawyer, along with the media and as many of aqua 's victims as we can find to come forward to give there testimonies!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: KeyBridge Medical Revenue Management
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I NEED TO KNOW IF THERE ARE NEW FEDERAL LAWS THAT STATE SOMETHING TO THE EFFECT OF HOW LONG A PAID MEDICAL COLLECTION CAN STAY ON YOUR CREDIT REPORT AND WHAT STEPS I CAN TAKE TO REMOVE THIS FROM MY CREDIT REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my mortgage loan XX/XX/XXXX. Since that time, home values have increased substantially in my area. My home was also a foreclosure home. I have a large amount of equity in the home due to the fact that it was purchased as a foreclosure and because of the increase in property value. I called Caliber Home Loans to get my PMI removed. I was told that I could not remove the PMI because the loan closed during a time frame that cause me to not be able to remove PMI for ANY reason. I tried to refinance the loan in order to remove the PMI. I was told I could refinance, they took my money for the appraisal fee, and then I was told I could not refinance due to my debt to income ratio. My loan to value ratio is now approx. 61.5 %. My debt level is higher due to medical bills. So now I am stuck with PMI and there is no reason I should be paying this monthly expense. I called yet again today and was told that the PMI will not fall off of my loan for any reason until XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir, I am writing to report that I feel I am getting bamboozled by SLS. I filed a complaint with CFPB on XXXX/XXXX/2016 Case # XXXX. I complained that SLS has overcharged me for the amount of {$1800.00}. The same day XXXX/XXXX/2016 after I filed a complaint SLS executive office called me and they told me that they have reversed attorney fee amount of {$1300.00} and for my XXXX mortgage payment I only owe {$310.00} which I paid on the phone. They told me that the remaining balance of {$460.00} will be investigated. According to the response to CFPB they counted {$34.00} and {$21.00} for fee charges leave a balance of unaccountable fees by pervious servicer of {$400.00}. Please explain if this amount is a fee then why this amount was applied as credit to my principle balance. If this is a financial statue regulations please let me know which one and site the number, so I can stop this investigation. I have called every week and spent countless hours on the phone and every time they open a ticket and no action have taken place. They keep telling me I am in a loan modification process which is not true. My loan was reinstated in XXXX of 2016 and I am not in any loan modification process.

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 2016-06-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2016 : I sent a payment of {$5000.00} to SLS, with clear instructions to apply {$1500.00} to my monthly payment and {$3400.00} to principal. 
XXXX XXXX, 2016 : I checked my account transaction history via SLS website saw that the amount {$3400.00} had been applied to next month 's payment and principal. 
XXXX XXXX, 2016 : I called SLS to inquire about the misapplication of the additional money sent. I neglected to get the name and ID number of the agent I spoke with. I asked why my funds were not applied as instructed. The agent 's response was that she did not know, but that she would open a ticket to have the money reapplied correctly that day. During this call, I also made XXXX phone payments in the amounts of {$23000.00} and {$23000.00}. I gave instructions for these payments to be applied towards principal. The agent informed me that the transactions would be completed this day and gave me the following ticket numbers : XXXX and XXXX. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I learned that the amount of {$3400.00} still had not been reapplied correctly and the amounts of {$23000.00} and {$23000.00} were placed in an " unapplied/suspended '' account. I called SLS and spoke with XXXX ( worker ID # XXXX ) ). XXXX said he did not know why the funds had not been applied correctly and that the tickets opened the previous day were still open with this day being the target completion date. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I saw that the funds of {$23000.00} and {$23000.00} had been applied toward principal. However, the amount of {$3400.00} was still applied to future payments and interest.

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 2016-12-06
Company: RMS-Recovery Management Services, Inc.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in a XXXX accident in 2011 i was not able to attend the XXXX semester at my college. The school is trying to charge me {$22.00}, XXXX for the semester. I submitted all documents needed to support my claim. School denied medical necessity although they had a dr XXXX not stating the reasons i was unable to attend

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: IQOR US INC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved from XXXX in XXXX XXXX and paid all debts off including XXXX XXXX. I began receiving mail and calls from XXXX trying to get over {$400.00} from me claiming I told them to put my account on hold for 9 months. I sent mail and called XXXX to tell them they messed up and I never asked for a " hold '' on my account since I did n't even know where we 'd be living let alone what tv or phone services we 'd need. We used XXXX XXXX while we lived in XXXX from XXXX XXXX to XXXX XXXX and I have a letter proving this fact. I recently found out XXXX sent me to Allied Interstate Collections and it affected my credit score. I 've explained this again to XXXX and the collection office and I 'll be sending the documentation to Allied as well. I WILL NOT BE BULLIED into paying any money I do n't honestly owe. Both XXXX & Allied tried to scare me into paying and I was very clear that I ALWAYS pay what I owe and that I would not pay them a dime. They are thieves.

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