BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Yet another complaint against Consumer Portfolio Services. This will be my XXXX and Hopefully final complaint against them. They have replied to an earlier complaint, I have disputed it and have had no response. so here it is. The contract should be NULL and Void as the Main applicant ( XXXX XXXX ) NEVER signed the contract. 
The contract should be deemed null and void. 
1. 
On the contract you can see that the due date is to be the XXXX of each month. When the XXXX payment was made early, ( on the first of the month to be considered for the up-coming payment on the XXXX ). Cps took it upon themselves to change the due date to the XXXX of the month, in the situation, it showed that a payment had been made for the XXXX of the previous month and then due again 2 days later on the XXXX ( which is when the account started showing a delinquency ). XXXX XXXX noticed the account was showing behind, when in fact it was paid ahead. He contacted CPS via phone and was told they had permission to change the due date, he said that neither he nor XXXX XXXX authorized this change, they dismissed it and refused to put the date back to the XXXX. He then asked for a written and signed document from either him or XXXX XXXX, requesting proof of the change, it has been over 4 years and still no such document!!! 
2. 
XXXX XXXX was NOT present at the time of purchase and did NOT sign the contract for the loan. Her son was employed by the selling dealership and was allowed by the selling dealership to purchase and sign the contract for XXXX XXXX, even though she may have given verbal permission over the phone for him to do so, there was NO power of attorney signed. A hand writing analysis can be performed to verify the signature is Not XXXX signature. In fact she was at her place of employment ( working ) XXXX miles away from the selling dealership. ( this can be proved from payroll records. ) 3. 
The vehicle was purchased for a 3rd party, which to the best of my knowledge is NOT allowed by CPS. In fact neither XXXX XXXX nor XXXX XXXX ever driven the vehicle ( the vehicle in question is a manual shift, neither one of them know how to drive a manual transmission. ) The contract itself is not even a CPS contract. Cps has been trying to implement policies and fees off of someone else 's contract. The contract is on an XXXX contract, and only has CPS ( hand written ) on it, with NO address or phone contact information for CPS. 

For any one or all of the above reasons, the contract should be considered NULL and VOID, and the vehicle returned to CPS, with all and any Balances removed, and the loan as a whole be removed from XXXX XXXX and XXXX XXXX credit reports considering she NEVER signed the contract in the first place. 
We have copies of the contract and XXXX XXXX Signature that can be provided, we can also go to a notary public to verify her signature if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The basis of my complaint are concerns around the Mortgage Servicing Transfer process by XXXX and Caliber Home Loans. As a result of their actions noted below, they have failed to protect my rights under key foreclosure protections. 
On XX/XX/XXXX, I submitted a completed loss mitigation application to XXXX. On XX/XX/XXXX, I received an electronic notification from XXXX confirming the package was received. My completed application was received by XXXX more than 37 days before a foreclosure sale, and XXXX failed to inform me that I was not eligible for any loss mitigation option. 
Instead, during the pending status of my completed modification application, XXXX sold my loan as of XX/XX/XXXX to XXXX Master Participation Trust and subsequently sold the servicing rights to Caliber Home Loans as of XX/XX/XXXX. The following outlines the timeline of events and notices from XXXX, XXXX and XXXX XXXX ( Notices from XXXX and Caliber are attached ) : XXXX XXXX, XXXX, notice states the servicing of my mortgage was sold to XXXX as of XXXX XXXX, XXXX. This notice does not meet the content requirements under RESPA. The notice does not include the new servicer address nor the Federal disclosure regarding late payment protections. 
XX/XX/XXXX, I contacted XXXX to request a status of my loan modification application. XXXX informed me my application was complete and in " Underwriting '' and was also informed my loan has been sold. XXXX provided me with the contact information for the new servicer. 
I contacted Caliber and was informed by the Rep that they were waiting on loan modification documents from XXXX. I was confused by this since I did submit a completed application prior to the servicing transfer date. They stated my application was incomplete because they did not receive income documentation. I submitted Income documentation to XXXX with the original application to XXXX on XX/XX/XXXX. 
XX/XX/XXXX, notice from XXXX XXXX states that my property would be sold on XX/XX/XXXX. 
XX/XX/XXXX, notice from Caliber requesting I provide a complete package by XX/XX/XXXX. Caliber failed to allow 30 days to provide the package. 
As I understand the rules, a mortgage servicer can not start the foreclosure process if a completed loss mitigation application is pending. I believe this to be considered " Dual Tracking '' and constitutes a RESPA violation under the Mortgage Servicing Rules. 
In accordance with the Mortgage Servicing Rules, Caliber had a duty to send an acknowledgment notice to me within 10 business days of the transfer date. And, Caliber should have evaluated my application within 30 days of the transfer date, in in both cases, timing requirements were not met. 
In addition, XXXX received a timely complete application, and XXXX XXXX should not have moved for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had fraud on my Capitol one card XXXX ending with XXXX a charge for XXXX XXXX on XX/XX/XXXX This was a fraudulent charge on the card so Capitol one sent me a new card which before I even received put the Fraudulent charge back on my new card. I verified my Identity and then sent a New card, they sent to the wrong address after giving me confirmation via email that they had successfully updated my address. Now I must verify my Identity again when it was Capitol Ones Mistake sending to the wrong address. When I call it is 30- 2 hour wait all the times I have called. I don't feel I should have to verify who I am when it was their mistake. They also sent ( 2 ) other cards I have with them to the correct address. They reposted the Fraudulent charge to my card before I even received it and this is a violation of the FCRA because I already stated it was fraudulent. if you check through Complaints with the FTC you will see this company has been illegally taking monies from Customers accounts. There are multiple Complaints. The told me they received the card back but refused to send it back out to me because their Computer was showing that XXXX was a XXXX, Co address and I live in XXXX Co. They still have not sent me that card the XXXX card until I verity who I am. AGAIN I am legally XXXX and the options they have to verify are send a code to my cell phone. I don't have one because IM LEGALLY XXXX. I just want my card. sending to the wrong address could have played out very badly for me but luckily someone sent it back to them. And they violated the FCRA by reposting the Fraudulent charge onto my new card! supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ) is a clear violation! I just want my dam card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: VW Credit
State: NH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My daughter wants to return her vehicle 7 months early and payoff the remaining payments on her lease. XXXX is now telling us that we could be responsible for the difference between what they can sell the car for at auction and what the residual value is. Therefore, I will be at their mercy and could wind up with a bill of {$5000.00} or more. We are totally at the their mercy. I have turned in leased cars before and have never experienced anything like this. They have absolutely nothing to lose. Sell the car for {$5000.00} and stick the consumer with the difference. I do not know how this practice is actually legal. I want all consumers to be aware of dealing with VW and what you can possibly be up against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
Company: Westlake Services, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a do not call on file with Westlake Financial Services. I paid my XXXX payment on XX/XX/2020 at XXXX. Westlake called me at XXXX REFUSING to give their company name and said they needed to talk to me. I repeatedly asked who it is and the guy REFUSED to tell me the company name. After XXXX  the number I found out it is Westlake Financial Services. I am on their DO NOT CALL list, which I have it in writing. They can email me which I have received communications. Not working f/t because of COVID-19 only 20 hours a week has messed up my income. Then more collection calls to my cell phone -another violation-, of where the payment is and a {$30.00} late fee, which they refused to take off. I am not working full time people and need to pay rent and food. I have filed a complaint with the XXXX XXXX XXXX for the late fee. TELL THEM NOT TO CALL ME. EMAIL IS WORKING PERFECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. The buyer of my properties sent me an e-mail in XXXX 2015, stating that escrow wo n't wire me the money overseas. XXXX in XXXX, CA. I contacted their head office and never got a response. Tried a dozen times, calls and e-mails. 

Then I called www.unionbank.com and was told that there was " no limit to send money to a registered transfer payee ''. FALSE. {$5000.00} is the limit. 

For weeks, my money has been stuck. 

I complained to the bank, sharing that I 'm under threat of a margin call. 

Lost & gt ; {$30000.00} and was forced to close the account ... Still, no payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: VW Credit
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
the leasing company sent the billing to wrong addresses twice. They Apologize over the phone and promise you everything will be fixed corrected and rectified meanwhile due to emails and certified mail. 
Audi Financial Services XXXX. XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with DEPT OF ED/NAVIENT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with CAPITAL ONE BANK USA N A and I do not have a contract with XXXX XXXXXXXX XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Many years ago we entered into a revolving equity loan/, mortgage with XXXX Bank XXXX which became XXXX Bank and finally Bank of America XXXX The loan was upgraded several times. However, we learned in XXXX or XXXX of this year while attempting to move to a credit union - that XXXX of the prior equity, line of credit loans had not been extended but a new mortgage issued - without the old mortgage being discharged of record. The Title search XXXX and other necessary information was sent to BOA at least 2 times - and by me at least XXXX more. We have lost the good deal offered XXXX - as the application expired & there was the outstanding lien. 

As my attached records show which has not been disputed by BoA ; the unsatisfied mortgage was fully paid upon the extension of the line of credit equity loan at that time 2001- and this has not been disputed. 

I will attach the information for your consideration and action. Our request for satisfaction was acknowledged twice by BoA- I will attach. When we followed up at the time frame BoA gave itself - the person called ( number given to call XXXX had no records nor interest in looking for them. We were again requested to fax all the documents again. 

We request help in getting a lien which has been paid - discharged of record and other just relief - as we lost a good deal XXXX - and are forced to continue with the BoA deal. 

Under the choices below, it does not easily fit but is " loan servicing '' as refusing to discharge of record a paid equity loan line of credit. Also we request only written responses or email responses from Boa. Please BoA - DO NOT CALL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see the following attached documentation as it contains my request.

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 2015-07-29
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX/XXXX/2015, I attempted to access my credit bureau with Equifax due to an identity theft issue. Specifically, I wanted to make sure they still have a credit freeze on my bureau, and if an account had been opened in my name, I would need to dispute it. While I was able to access my bureaus with XXXX and XXXX, Equifax stated I would need to send in a copy of my driver 's license and social security card, because the information verified did not match my file. I know what I entered was accurate, and I believe they just are not willing to provide it. I 've had this problem before with them. 
Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX I SENT CERTIFIED MAIL TO TRANSUNION. THEY HAVE YET TO RESPOND TO EITHER LETTER AND HAVE DISREGARDED MY INSTRUCTIONS. THEY'RE DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've reached out multiple times the past months to this collection agency asking for proof of debt verification and my signature releasing my personal information to the agency with no response from them. I have sent letters through mail and email, also called them. Still same result no response back and its been months of this. This violates HIPPA and still no response from them through mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Seterus, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently had a change in mortgage loan servicer. The new company named Seterus has acted very predatory. They have placed collection calls to me if the payment is not made on the first and I have always paid within the grace period by the XXXX never a 30day late payment. When I have complained to them, they say I can request only in writing, for them to stop calling. A written request from me is the only way they will consider avoiding this horrassment. When they first took over service, without any notice they dispatched a local contractor to enter my home, change the locks and remove my belongings. Needless to say I was alarmed! The XXXX guys at my door showed me showed me Seterus work order and gave me an XXXX number for a service contractor based in some other state. The contractors would not give me there names or provide any identification. I have everything documented for this action. The latest go around with Seterus involves unjustified charges on my loan account. They told me on the phone that I could stop the collection of property tax escrow ( not a requirement of the note ). Again the request must be in writing and they gave me a persons name a fax number to send. So I produced a written request and faxed it in early XXXX. Three weeks later they wrote back and said they were processing my request. On XXXX XXXX I made a regular payment for P & I but did not include an escrow amount. So today I got a call from Seterus again, this time demanding the escrow amount and a {$65.00} late fee. XXXX their representative never stated their statutory legal statement that they are a debt collector, but she did go on to affirm that they recieved my payment however she would not refund or strike off the late fee charges. XXXX put me on long holds at least three times and said she was trying to clear up the escrow issue. Again the standard statement was : that I could send them a written request to write off the late fee. Instead I told XXXX a representative of Seterus not to call me for any reason unless my loan is thirty days past due. I further stated that we are in dispute and it should be resolved in writing, " therefore I stated '' " do not call me for any reason, unless I am more then thirty days past due ''. She replied " they will continue to call every five days ''. I did n't think it was legal for a debt collector to act this way. Hence my description " preditory ''

Company response to consumer: Closed with explanation