BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: World Acceptance Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
After the death of my husband, I was left with several loans taken out for the operation of our XXXX XXXX XXXX. The XXXX was sold as a stock sale that after 10 years is still in XXXX and has not been paid for at this time. 

I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-phone XXXX ) to negotiate a final payment and pay old XXXX debts with XXXX XXXX XXXX XXXX and World Finance ( Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX-home office XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX XXXX ). They made a monthly withdraw from my checking account to make the payments after negotiating lower payoffs. After they had negotiated and paid all XXXX accounts, I cancelled my agreement with the cancellation letter stating they confirmed the XXXX companies had been paid and account closed. There was a small balance in my account with them that was returned to me. 

When I started to get XXXX property loans consolidated in 2016, I found out from the loaning bank that World Finance and a company ( XXXX ) I had never heard of before were listed as being owed. 

I contacted XXXX and they stated all accounts had been paid and closed. I did get a copy of the settlement letter from XXXX XXXX ( XXXX XXXX XXXX ) that is attached. I than called World Finance and asked them to remove the account from my Credit reports as XXXX told me to do. 
The lady at their World Finance office told me my account had been closed & sold to XXXX XXXX. This I think was done at the same time XXXX XXXX paid World Finance. It appears that XXXX XXXX added {$1000.00} to the settlement dollars of World Finance and that is what is listed on my credit report.I later spoke with the manager who denied the sale of the account or payment from XXXX. 

After I contacted these XXXX companies, I started and still getting numerous threating calls from both of them and a additional group that appears to have also bought the initial loan from World Finance.They only called one time. 

At XXXX years of age, I can not handle these phone calls, XXXX XXXX said account was paid when they refunded the small balance in my account. It appears from the Better Business Bureau that both World Finance and XXXX do not have records of being honest business companies. 

I really need to get them both off my Credit report and do not know where to go. I can not afford an attorney. 

Can you help? Now that my account with XXXX XXXX was closed after they said the XXXX companies had been paid and they are not drafting funds from my bank account, I am not getting help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been denied all HAMP modifications, MHA and streamline modifications. The only offer was for a prepayment plan which I can not afford. This is my primary residence and family home, I have two other loans with different banks and have been approved for modifications. There should be no reason I can not be afforded the opportunity to keep my home with a reasonable payment plan. I 'm very confused with all the different correspondence received and not received, on XX/XX/2017 received repayment plan then on XX/XX/2017 received mortgage modification reminder with a payment amount I can afford not sure what this company is telling me. Their customer service representatives are very rude and condescending. Not sure what kind of mortgage I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: LA
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 account needs to be removed immediately XXXX XXXX Should not have any information on my credit account From XXXX I need proof and valid information this is not my account remove immediately

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 2015-11-17
Company: AFNI INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Received a Collection notice from Company called Afni for an account that is been paid and closed for 10 years. They said they represent XXXX. a XXXX we have not done business with for 10 years. We have been with XXXX for 10 years. The person that called us said he was a collection agent for Afni and that they could make our life miserable until we pay them, they claim they bought the bad debt and will collect. They demanded I send them {$220.00} immediately or the bill would go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: AFNI INC.
State: WA
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:
After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: American Payment Holdco, Inc.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had made a payment to my credit card account with XXXX from XXXX using a service called XXXX. I made this payment of {$490.00} on XXXX and it has still not reached my bank. The payment ref # was : XXXX I called XXXX ( number XXXX ) on XXXX ( talked to agent XXXX ), she opened an investigation with Ref # : XXXX. He conference called XXXX bank and confirmed that they didnt receive the payment. 

I had called XXXX pay multiple times to follow up with no response ( they kept telling me that they have sent the payment ). 
On XXXX, I called XXXX ( # XXXX ) again, asked for a supervisor. XXXX assisted me, we had a XXXX way call with me ( XXXX ), XXXX ( XXXX supervisor ) and XXXX ( XXXX back office supervisor incharge of bill payments ). XXXX and I had sent forms to XXXX ( payment adjustment request form along with supporting docs, payment receipt, my credit statement etc ) and XXXX never responded back. 

On XXXX, I called XXXX pay again and spoke to XXXX. XXXX mentioned that XXXX internal team has still not responded to her, he sent then another email. She called XXXX on a XXXX way call, XXXX ( phone # : XXXX ) Agent XXXX ID : XXXX and XXXX did confirm that XXXX did not recieve the payment of {$490.00} anytime since XXXX. XXXX was going to send him an email to investigate this payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The alleged law firm that is n't licensed in California called me at work and on my cell phone threatening to sue me. When I told him I would call him back because my debts are with debt management company, he would not give me his information. He would not give me any information other than the amount I owed on the payday loan with 99 % interest ( yes, 99 % interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I changed cable providers and paid what I thought was the finale Bill. Was contacted by XXXX credit about an outstanding amount owed to XXXX. The amount was XXXX. Contacted XXXX and asked if this would pay the account in full, and I paid it to the original creditor. Now some company named AFN I, INC has purchased this from XXXX XXXX and is reporting this as a new collection on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Cogent Road, Inc.
State: AR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones. 

Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Colony Brands, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had fraudulent accounts added to my credit file. Ashro was one of them. Items were purchased. I contacted Ashro and sent them copies of police reports, etc. I even offered to pay the account if they would remove it which they agreed. I sent the letter and payment. The payment was cashed. The item has not been removed. Not only is this fraud but they did not keep their word and remove the account after I paid for it. This item is still showing up on XXXX. All other agencies have removed this account.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My son filed for bankruptcy he is a XXXX, Equifax is reporting his bankruptcy on my credit report. 
I have spoken with the US Bankruptcy Court XXXX and XXXX Consumer Service neither has this in their data base as being mine. Only Equifax is reporting this inaccurate information. I have being trying since XX/XX/2017 to get this off my credit report to no avail.I am attaching a copy of my son 's bankruptcy discharge papers to show this is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
have attempted to contact Bank of America multiple times in regards to my XXXX card they have my account locked and it has been in the status for many months now they keep referring me out to the bank which I have already been and no change to the account still They have sent me a letter indicating that a prior claim dispute was denied or closed and now has been evaluated and reopened on their end that I need to contact them at the number provided on the letter in order for them to authenticate my identification over the phone however when calling they refuse to honor the letter and say that on there and theres no letter being sent out according to notation however I have a copy of this letter which I will provide

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 2022-04-25
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mr. Cooper Mortgage XXXX XXXX XXXX XXXX, TX XXXX Complaint Department XXXX 
XX/XX/2021 Subject : Mortgage Lender Complaint : Mr. Cooper. 

I had a 1st and 2nd Mortgage with Mr. Cooper. I had a mortgage with this company for over ( 15 ) fifteen years in which I never had one late payment. The problem came when I received a notice stating that my balloon payment on my 2nd mortgage was coming due. I called up Mr. Cooper that same day to start the process to refinance the 2nd mortgage. I sent them all the docs required as well as a financial statement. This process with all the information literally took them months to process. In the meanwhile I was served with a foreclosure notice for non-payment on the 2nd mortgage. Bare in mind I was continually paying my 1st mortgage on time and offered to continue to pay on the second. The processor I was dealing with told me not to worry about it that they were close to finishing the process. Month after month of continual follow up to Mr. Cooper I was assured that they would have this issued settled and it would not be reported to the credit report agency. I started researching my credit reports and my credit took a large hit due to them reporting to the credit agency. Once it showed up on the report Mr. Cooper called me and told me they couldnt renew my mortgage because my credit score went down and I didnt qualify. Although its hard to prove intent I strongly believe they were holding off closing on purpose so they could take my home from me. These situations are not uncommon with Banks and lending institutions. Its all about the money. I ended up selling my house so they werent able to foreclose in which I have told them time and time again to take the negative report off my Credit reporting agency. To this day they have not. This whole issue is not a fair practice of lenders such as Mr. Cooper and all I ask is take it off my report. 


Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: ARC Services
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company in question. Sent a typed letter and hand wrote mine and my wife 's SSN # on the letter. This is a breach of state and federal law and I want to pursue action against them.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-08
Company: RJM ACQUISITION LLC
State: MO
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 owed XXXX XXXX XXXX for a checking acct. RJM acquisitions XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ; XXXX purchase the debt and offered a reduced payback. I have been paying them for over 2 years and have a current settlement balance of {$340.00}. Recently another Debt collection Agency reported to my credit report that I owed them {$700.00} for XXXX XXXX XXXX with no acct # attached. When I tried to make my current payment as usually to RJM the website is no longer accessible. XXXX XXXX is the collection that attached a claim to my credit but In have n't received any info from them and they reported I made a payment to them in XX/XX/XXXX for the same I paid to RJM in XX/XX/XXXX. I have paid 1/2 my debt settlement to RJM. I disputed the complaint with XXXX and only received a response that they updated my account but when I reviewed XXXX XXXX was still there. I do n't have a problem paying the debt but I do n't think another debt collector should be trying to collect on a debt I 'm already paying with no contact and the amount they are charging is double of the balance left owed to RJM because I have been making the payments.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
All of my student loans are showing original principals lower than the ones I am seeing as current principals. Why am I being charged hundreds more in principal than what I originally took out. For example, one of my loans is saying the original principal and amount taken out was {$2000.00}, yet the loan 's current principal is {$2100.00}. How? 

Also, why is it that my loan has remained over {$15000.00} when I have been paying on time and for 5 years? A rough guesstimate shows I 've paid over {$4000.00} in payments and yet it does n't appear that I have. I have never defaulted on payments or skipped a payment. I have paid off 2 car loans in these 5 years, which shows that I am making payments and progress on those, yet my school loans show no progress. Why? 

I would also like to know why it is that I am not allowed to pay more up front for my loan and why I ca n't decide where my payments go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: PHH Mortgage Services Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We are not able to obtain a mortgage payoff statement. 
My wife and I wish to pay off the adjustable rate mortgage on our house at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The mortgage is serviced by PHH Mortgage, XXXX, XXXX, NJ XXXX. 
I telephoned PHH on XXXX XXXX, 2016 to request a payoff statement. I spoke with XXXX XXXX XXXX, XXXX XXXX XXXX ext XXXX. He stated that the payoff statement would be mailed to me on Monday, XXXX XXXX, 2016. I telephoned XXXX XXXX again on XXXX XXXX, 2016, because the statement had not arrived. This time I chose to have a payoff statement faxed to me at a XXXX office where we do business. The fax did not arrive ; therefore, I telephoned XXXX XXXX the morning of XXXX XXXX, 2016, and he assured me that a payoff statement would be faxed to me and would arrive by XXXX, my time. The fax had not arrived by XXXX, and I was unable to reach XXXX XXXX by telephone. 
I note that PHH continues to accrue interest on our mortgage while they delay the loan payoff process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Bread Financial Holdings, Inc.
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 was paid

Complaint:
I ordered a phone from XXXX on XX/XX/2016. The phone was financed through XXXX finance company COMENITY BANK. 
The phone never arrived. XXXX was the shipper. They declared it a total loss. Fully insured by shipper, XXXX was paid IN FULL. My order was cancelled for a phone. I have been called by COMENITY BANK for payment on this phone & shipping Charges. I have explained this to them on every call. I have called XXXX about this. I have an email from XXXX assuring me a credit has been issued. Still COMENITY BANK calls for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Unemployed. Unable to repay loan. Account # XXXX. Unable to repay loan due to unemployment. CashNet has threatened collections procedures without deferring my account. Constantly charging high interest that I ca n't afford. I can only repay the {$800.00} amount borrowed. My situation has changed that I can only pray back the amount borrowed without the extremely his interest. Collections will hurt my chance in securing my chances to employment. I want to.avoid filing bankruptcy proceedings.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: ARC Services
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Company response to consumer: Untimely response