BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-07
Company: Helm Associates
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/XXXX purchased a XX/XX/XXXX Chevy Impala. Since then I believe the car sold to me is a lemon. In the past year I have experienced many different problems, along with constant recalls from the transmission and the ignition which is linked to accidents. None of these problems have been fixed. I recently took the car into a service center and they informed me of not only the problems I was aware of, but also they then informed me not only was the car not worth the blue book value, but the engine was going to fail probably within the next week. I have since then decided to turn the car back into the place of purchase and have called and informed of the decision to return the car. Since then I have received constant harassing phone calls from them, but I have informed them I ca n't bring the car in because they have zapped the car so I am unable to drive the car to them. I did inform them the location of the car so they can come and retrieve it. During the entire process I feel as though I have been disrespected by several members of their staff and was not dealt with in a professional manner. I also feel as though they have threatened me and told me how " they '' will handle the situation. There is a right and a wrong way to deal with a customer, and their customer service has been appalling. My final conclusion is that B & B Auto is a company that is not honest and will sell a car to anyone if it means them making a dollar. They are disrespectful and do n't value their customers. Sadly I have heard this about them before, but now I have experienced it for myself and will not be recommending them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On the morning of XXXX/XXXX/15 I woke up, went downstairs to get something out of my car and it was gone. In a panic I called my Auto loan leasing company. They informed me that my car had been repossessed. I had set up automatic payments, so I was confused as to why they took my car. After some back and forth with the Auto loan company it came out that my monthly payments were being stopped and returned by my bank. As a result many months of payments that SHOULD have been payed were returned, and my car was repossessed. I now owe appox. {$2500.00} ( That I do NOT have ) of late payments and fees, in order to get my car back. I called my bank and was told that due to a stop payment I made on XXXX payment back on XXXX/XXXX/2015 that ALL subsequent payments were being rejected. When I asked them why, they said it was policy. I told them thats NOT what I wanted, nor was it what I requested when I asked for that XXXX payment to be stopped or when I was charged the {$30.00} fee to stop it. Then the VERY RUDE manager " XXXX '' that I spoke to basically told me tough luck, that its not their problem and an I 'm XXXX for not noticing sooner. He also told old me that I should have called them to Unstop the stopped payment. I asked him repeatedly why they would have a policy like that. He was unable to give me answer. Now I have to pay for a rental car, while i try to figure out how on earth I 'm going to come up with {$2500.00} of money I really really do n't have to get my car back or it will be sold at auction, and I will have nothing. I also now have a repossession on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After a COVID Deferment, a loan modification was prepared in XX/XX/XXXX. FROM THE TIME THE MODIFICATION WAS PREPARED IN XX/XX/XXXX UNTIL IT WAS ACCEPTED AND PROCESSED BY SHELLPOINT ( IN XXXX XXXX ), THE ACCOUNT WAS LOCKED AND WE WERE FORBIDDEN FROM MAKING PAYMENTS. SHELLPOINT HAS ERRONEOUSLY REPORTED US DELINQUENT DURING THIS PERIOD AND REFUSES TO CORRECT THEIR ERROR. 

Once provided to us, I had the loan modification documents notarized locally ( at XXXX ) on XX/XX/XXXX, as suggested, because Shellpoint indicated that their mobile notary was backlogged at the time. We sent the signed and notarized documents to Shellpoint on the same day they were notarized. We were advised to check the Shellpoint website to see if the modification had been processed and to then make required payments. The representative said no payments could be made ( online or by phone ) until then because the account had be locked due to the pending modification. I checked the website almost daily in an effort to make payments. 

We were never contacted and the account remained locked. Accordingly, I called Shellpoint and was to told that the notarization was somehow defective and would need to be signed and notarized again. Shellpoint indicated they would have their mobile notary contact us to schedule a signing date. The notary never contacted us. 

I called Shellpoint 's representative numerous times. Eventually, he gave me the phone number of the mobile notary and I was forced to personally scheduled the signing. The modification was then signed, notarized, and sent to Shellpoint late in XX/XX/XXXX. I continued to check the website on an almost daily basis to make a payment, but the account remained locked until late XX/XX/XXXX, at which point almost {$20000.00} in required payments were made immediately. 

In short, due to the locking of the account BY SHELLPOINT from XX/XX/XXXX to XX/XX/XXXX, we were unable to make payments from XXXX to XX/XX/XXXX. Our credit report now indicates that we were delinquent on payments from XX/XX/XXXX to XX/XX/XXXX- exactly the time period during which the account was locked by Shellpoint. I would like the reports of " late '' payments removed from my credit reports with all three credit reporting agencies as soon as possible. This will be necessary for both borrowers- XXXX XXXX. XXXX and XXXX XXXX XXXX. 

Complaints were made to Shellpoint in XXXX XXXX and XX/XX/XXXX regarding these issues without relief. In addition, disputes were filed with the three credit reporting agencies in late XXXX and no changes to our credit repots are evident.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an FHA mortgage with Fifth Third Bank in XXXX, OH beginning XXXX, XXXX. I have met all my FHA requirements. The FHA insurance premium was {$110.00} per month. I have spoken and faxed the bank 's representatives several times regarding removing the FHA insurance premium from my account. I get many different and incorrect answers. 
I have also contacted XXXX who confirmed I have met all the requirements. The XXXX representative, XXXX, has contacted the bank 2 x and the bank stated they removed the FHA premium from my account on XXXX/XXXX/XXXX. I have not received any written confirmation nor a new mortgage statement. 
I paid {$1400.00} ( this is minus the {$110.00} FHA premium ) for XXXX, XXXX. 
Subsequently, I received XXXX letters from the bank stating I am delinquent, owe a late fee and they can not apply my payment to my loan " because the system will not allow them to. '' My XXXX, XXXX payment is sitting in " unapplied funds ''. 
It seems the bank is confusing my escrow which includes property and school taxes and homeowners insurance. It does not include the FHA insurance premium. The bank did review my escrow account and sent me a check for the overage in the escrow account. The bank representatives continually refer to my escrow account when I call. 
This has been an ongoing issue since XXXX, XXXX. I need resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX back in XXXX of 2020. When I originally bought my home, I put down close to 15 % down and was required to obtained mortgage insurance due to mortgage regulations which I obtained. After 6 months I noticed that I had much more than 20 % equity and I submitted multiple request in writing to my current loan servicing company and the continue to deny my requests every single time. I was able to research mortgage guidelines directly with XXXX XXXX and XXXX XXXX and was able to find that I had the right to remove my mortgage insurance when I could prove I had more than 20 % equity which I have tried to prove, but my mortgage servicer wont let me prove. I want to be able to remove my MI and this company uses abusive tactics from prevent me from doing so.

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 2020-04-17
Company: Army and Air Force Exchange Service
State: CA
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:
Hi thank you again for taking the time for reading my complaint. 

XXXX is taking longer than 30 days for debt validation. 

I have requested from MILITARY STAR to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked XXXX  to investigate this matter and it has been longer than 60 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: ROC Asset Solutions, LLC
State: WA
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 received calls from the same person at both XXXX XXXX and XXXX XXXX stating that a friend of mine has financial fraud action pending against her, and she left my number as a reference. After the XXXX message, I called my friend and left her a message repeating the charges and phone number. Then I called the above number and left a message stating that I called my friend and gave her the information ... I stated my full name and personal cell phone number and commanded that she do not call my number again. A few days later, I received a message from my friend stating she called the number and made arrangements to pick up the payments. However, I received another call afterwards from the XXXX number asking directly for my friend by name claiming that my friend returned her call from my number. Yet when I tried to tell this person she did not call from my number, she insisted that she did ... this harasser threatened every time that she called that she was going to send the allegations forward ... I told her to send it forward and that I contacted my friend and gave her the information but I was not giving her number ; now it 's between the XXXX of them and if she calls my number again, I was going to report her for harassment. Yet today, this same person called again asking to speak to my friend by name. When I tried to tell her that my friend called her from a different number, she claimed I did n't know what I was talking about and again, threatened to send the allegations forward. Throughout all of this, my friend insists that she spoke to someone and made arrangements to pay. I just spoke to her again today. I 've had enough of this person harassing me personally for a debt I do not owe. There were somewhere between 10 to 15 calls this month alone. I pray that this complaint with stop the harassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: General Motors Financial Company, Inc.
State: VT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
The Auto dealer at XXXX XXXX XXXX in Vermont asked me to finance with the bank rather than pay them directly on XXXX XXXX. I agreed intending to send a check immediately to pay off the balance. The financed amount included an additional warranty for {$930.00} that I cancelled the next morning. I was told the amount of the loan would not include that {$930.00}. However for 47 days I could not get any account number or information from GM financial or from the dealer. I did not receive a bill, could not sign up on the account website, and could not get the details I needed to pay off the loan. The dealer said GM financial could not open the loan account until we had VT drivers ' licences. That took us until XXXX XXXX before I had access to the GM loan details. By that time {$730.00} in additional finance charges had accrued, the {$930.00} had not be deducted and hours have been wasted on the phone to both GM financial and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have called finance manager at XXXX Nissan for the last three days to cancel my Gap insurance. I left multiple voicemails directly. I also left messages with receptionist but no call has been made to me yet about cancellation. On tuesday, I left a voicemail for general manager ( XXXX ) and he also has not responded to my complaint. 

Bottom line is that I want to cancel by GAP insurance. I do not understand why it is becoming so difficult and I have to follow up multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Omega RMS, LLC
State: CO
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:
This item for a collection from XXXX DBA XXXX And Omega RMS is inaccurate and fraudulent because the original contract was dated XXXX XXXX, XXXX, not XXXX XXXX, XXXX. ( See attached ) Therefore the recent collections effort is outside the Colorado Statute of limitations of 3 years. ( See Attached ) Also, upon trying to contact XXXX XXXX XXXX at the phone number listed online, it is disconnected. ( See Attached ) XXXX XXXX XXXX also never fulfilled any part of its contractual aggreement to connect or set up a date of any kind. Back in XXXX of XXXX I called the office multiple times requesting a refund due to lack of performance on their part. My calls were never returned and soon after the phone number was disconnected. I assumed I was simply a part of a scam and there was nothing I could do to get my money back. After doing research as to the corporation listed on the original contract names " XXXX XXXX '' I found that this company has forfeited existence with the secretary of state and has been inactive since XXXX XXXX, XXXX. ( See attached ). I am requesting that the item be removed from my credit report due to the fraudulence and lack of existence and lack of performance of the company trying to collect monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: First National Collection Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number- ( XXXX ) XXXX will call atleast 1-2 times a week. I will answer the call, say hello, nothing, no background noise, no sound from whomever it is on the other line and then they hang up. EVERYTIME. 

Today ( XX/XX/XXXX ) I decided to call back. I asked why they constantly call me and never say hello and hang up. Her response was that it was a Robo call and they can not control it. 

This was unacceptable. I asked for a manager his name was XXXX XXXX. He was rude to me, brash and tried to trick me into confirming my identity. 

I decided to research the company and there are numerous complaints against this company. 

I do not feel comfortable providing my name to a company that can not be professional when they call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX OPENED XX/XX/XXXX {$840.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX  OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1200.00}

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 explanation
Consumer complaint received 2016-08-22
Company: Special Financing Company, LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have a loan with Special Financing that was arranged for and set up by XXXX a company that I now believe is a scam. They have misrepresented and failed to provide the services I was sold. I have stopped payments on this loan and am trying to get the XXXX the company who is responsible for the brokering of this loan to refund the money to them. Special Financing is working with this company who is not fulfilling their promises. When they called me about payment I referred the to XXXX and they said that they will have them contact me. I have still not received any contact from XXXX. I do n't believe they will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A company called a said that someone came to my home to serve me papers for being sued on this issue. They threatened to come to my work and said that I had to pay in full today. I told them I have no money to pay the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 've started a new job which means my pay dates are off from when i first started the loan. i called to have the dates moved to the days that i actually get paid, and was told that i could n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, My student loans were originally serviced by XXXX but were sold to Discover Student Loans a few years ago. On my original promissory note, it states that I could have my cosigners removed for loans XXXX and XXXX after 48 on time payments. Today, I am beyond the 48 payments. I contacted Discover a few months ago and they sent me the cosigner release form. I filled it out and set it back to them over 30 days ago. On their letter, one of there statements says, you should hear something within 30 days. Well, it has been beyond 30 days and I still have n't heard anything. I contacted them a week ago, and they said, just give it the time that is needed. There was no mention when I would receive official word or even if my cosigners are released. 

Two years ago, I had XXXX loan out with them and successfully got my cosigners released after XXXX payments. But, they were doing the same thing like they are now, and I had to file a complaint to inquire what they were doing and why they were stalling. 

For the year of 2015, I have paid discover a total of XXXX dollars. On top of that, I have paid XXXX dollars in interest. My gross income for the year of 2015 is XXXX. My credit score as of today is XXXX. I could come to XXXX instances why it is taking beyond 30 days to respond to my submission of the cosigner release form, it is either because someone is being lazy over there or it is being done purposely, so that they can continue to stretch this out, like they did two years ago and hope that I will give up on my cosigner release. However, they are violating the stipulations in the promissory note. By the way, when I submitted the cosigner release form, I included several pay stubs, so they have all the information they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Fraudulent Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action return. Please remove from my reports.

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 2017-03-04
Company: Convergent Resources, Inc.
State: IL
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 had a phone contract with XXXX years ago. When I paid my final bill, I continue to get bills. I paid the last bill that was supposed to be my final bill. Then I received notifications from a collection agency that I owed more money then after paying them about 6 months ago it 's being reported on my credit report when I was told it would not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: G&P Enterprises, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Allied Trustee Services filed a wage garnishment claim against me for 3 months of XXXX dues owed from 2011. I received no notice of this action nor had an opportunity to resolve prior to my wages being garnished. They garnished a total of {$6200.00} claiming interest and fees. I never received an itemized statement of charges from Allied Trustee Services. This property was foreclosed and I was no longer living on the property but the XXXX continued to bill me.

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