BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: CCS Financial Services, Inc.
State: OH
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 a copy of my credit report, and the following was on it as derogatory : Credit Collection Serviic XXXX XXXX MA XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/2014 Balance : {$88.00} Pay Status : In XXXX Company This is not my debt, and I never received any correspondence from this company regarding such debt. I am asking that this be investigated, as I would like it removed from my credit report. 

Any help you can give me in this matter would be much appreciated. 

Thank you, XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage holder, JP Morgan Chase Bank, on my condominium requested that I provide evidence of flood insurance on my unit. I have provided flood policy numbers, insurance company names, coverage period and insurance coverage amounts to JP Morgan Chase Insurance Processing Center through on-line entry, telephone calls and letters with this information. Yet, I continue to get letters indicating I do not have adequate flood insurance along with an offer from JP Morgan Chase to purchase flood insurance for my unit. The coverage amount offered by JP Morgan Chase is exactly the same amount of coverage that currently is in force on my unit through existing flood insurance policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
we were buying a new home for the first time .. moved to AZ .. put required $ XXXX down on XXXX home . Loan officer acted like it was a great deal with our great credit. He did n't let us know, until it was too late to do anything about it, that his rate was 4.125 %. i contacted my XXXX who works at XXXX XXXX Bank and he said that was unheard of and not legal. The rates are much lower than that! He said to negotiate with them. They would just say, you 're locked in, and you can always re-finance! We told them we could n't afford that rate. They did n't care. We had to deal with at least a dozen people and not just one on our loan .. too many vacations! We 've written letters and no one cares. Even to the President of the XXXX Mortgage ( conflict of interest, they own it and 60 % of the XXXX title agency ) and the title agency. We 're XXXX and XXXX and we were taken advantage of. Our friend at XXXX 's suggested we file a complaint with you. Please assist in any way you can. Awful organization they are! and conflict of interest, since they own all three companies. Thank you. After this experience, we would never buy new again. They were all rude and we did n't receive their pamphlet on how to negotiate the BEST RATE until after they had locked us in. Nobody showed up at closing - only a notary and he could n't answer our questions. We called the loan officer but he did n't call back. Because i told them i was checking the rates with my friend, they supposedly STOPPED working on our loan. Thus, they kept telling us a date and changing it ..the moving company would n't put up with that and charged us for storage - {$1500.00}! we have had nothing but trouble with this house and no help. we made a long list of items that need to be fixed and have only seen a " door '' adjuster - 3 doors would n't shut. please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I am recieving threatening documents from midland funding to garnish my pay checks for a debt that is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: APR or interest rate

Complaint:
I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-11
Company: Interstate Credit & Collection, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX/XXXX/XXXX XXXX XXXX referred XXXX bills for services to a collection company, Interstate Collection Inc. After examining the explanation of benefits and speaking to a representative from my health insurance company, it was determined that the dates of service and fees are erroneous. I wrote a letter to the collection company denying bill. I also spoke directly to a customer service representative from XXXX hospital billing office by phone. When I quoted the dates of service and fees listed on bill the representative stated that she did not have that information in the system. Letters and phone conversations have been unsuccessful in getting this matter resolved. This negative information will affect my credit rating and impact the interest rate. 
Listed Below is the bill information Date of service : XXXX/XXXX/XXXX {$180.00} Date of service : XXXX/XXXX/XXXX {$20.00} Date of service : XXXX/XXXX/XXXX {$100.00} Date of service : XXXX/XXXX/XXXX {$170.00} My health insurance company mails me an explanation of payments which listed the fees they pay and the any cost that I am responsible for. I reiterate -- the insurance company has stated that they do not have any information for dates and fees listed above. I am responsible for deductibles and copays.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Previous lender ( XXXX ) offered mortgage rate reduction service for a fee % of outstanding balance with a maximum of {$1500.00}. I wanted to open my new mortgage with USAA because I liked them for banking however I would only switch if this service were offered. When I started the process of buying a new house this summer I confirmed with my USAA processor that USAA offered a similar service to that of my previous lender. Because of this I opened a loan with USAAIn XXXX of XX/XX/2014 seeing that rates dropped I contacted USAA mortgage department to reduce my rate. XXXX XXXX said that this was not a service which USAA offers but they could handle it through the loss mitigation department. I talked to several people in the loss mitigation department because I thought this was the wrong department. Every person I talked to said that loss mitigation was the correct department, even though I was not at risk of defaulting. They said I just had to fill out the paperwork and jump through the hoops and I would be able to reduce my rate. After submitting all the paperwork, on the final step of my processing, my loss mitigation processor XXXX told me that a loss mitigation was the incorrect service for my situation. He sent me to XXXX XXXX who I talked with and we decided the best solution would be for me to do a mortgage refinance and have USAA cover/offset some of the costs. I was forwarded to XXXX XXXX, of USAA Mortgage to handle this, who then sent me back to loss mitigation who then sent me back to XXXX at USAA Mortgage. Each department will not handle my rate reduction and says the other department is responsible. They will just send me back and forth with no resolution. 

This is very unethical because I was offered and purchased a service ( mortgage rate reduction for & lt ; {$1500.00} ) which USAA will now not provide. = XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: EAST WEST BANK
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I took a mortgage loan from East West Bank back in XXXX XXXX when I purchased my house. Purchase price was {>= $1,000,000} and the loan was {$690000.00}. I was told by XXXX XXXX and XXXX branch manager the the rate was fixed for the first 5 years for 4.625 % and it would become adjustable ( 1 yr Treasury + XXXX ) begining XXXX XXXX XXXX but my rate remained at XXXX and now they are saying that my loan rate can not be lower than XXXX. I was never told or received any disclosures that there was a minimum rate. I was milsled by East West Bank representatives by both loan officer who does n't have a NMLS number and the branch manager

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 2016-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX XXXX, I was notified by Capital One that there was fraudulent activity on my account. Since that time ( now XXXX XXXX ), I have called twice a week, every week, to inquire to the status of my account. No one seems to be able to assist me and instructs me to inquire at a later time, by file is being handled by a " fraud specialist '', whom is never available and has n't returned a SINGLE phone call since XX/XX/XXXX. On XXXX XXXX, I was notified by a credit report monitoring service that a late payment has been posted ( 60 days late ). Not a single person at Capital One would accept a payment from me while the case was being investigated but meanwhile the interest and payments were accruing. Since XX/XX/XXXX, I 've had to deal with the most inept, incompetent individuals and they have cost me a great credit score, all the while, now telling me that the situation was rectified in XX/XX/XXXX ( however, I just called and was told that was one still being investigated ). They accepted one payment from me on XXXX account, but not another. I want the late payment removed from my account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
probably XXXX 6 years ago the credit bureau said I owed money on a capitol one credit card. I have never had a capitol one credit card also they said I had a XXXX credit card which I purchased a computer. I have n't signed up for a credit card thru XXXX. I have n't had a computer for probably XXXX or 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria/Sterling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i was contacted by XXXX XX/XX/2016 stating they bought a debt from Capital one that I was responsible for. I disputed it at that time stating I did not owe this and requested information to prove the debt per my right of the fair debt collection act. they sent me a copy of an old statement but refuse to send any further information such as a signed application or a payment history. I have asked multiple times for this information and they continue to just say either file as a fraud or pay it. they will not substantiate this debt as being mine. it is reported on my credit and causing issues. this company has had a lawsuit from multiple states already regarding their practices and I would like this removed from my credit due to them unable to prove the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Jim Bottin Enterprises, Inc
State: CA
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 obtained a gym membership with world gym XX/XX/2015. Shortly thereafter I decided to discontinue the membership. In addition to notifying the gym in person I mailed them correspondence regarding my cancelation on 2 separate occasions. The first time with my initial request, and the second after they 'd debited my checking account despite my request for cancelation. I also corresponded with an agent via email regarding my request for cancelation. Months later I received a debt collection notice from Seas and Associates regarding a past due balance. Prior to my request to cancel my membership I paid my balance in full. The gym continued to bill me despite me satisfying my contractual obligation to cancel this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I fell behind in my payments due to me getting laid off at work I 'm willing to do my best to try and pay this off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
As a mother, I decided to make a positive change in my life and go to college so I could get away from government assistance and build a better future for my children. I started college XX/XX/XXXX and went to school at night. I graduated from my XXXX XX/XX/XXXX and decided to keep going and went to XXXX XXXX. I graduated from XXXX XXXX XX/XX/XXXX but could not find any employment until XX/XX/XXXX. My student loans were serviced by XXXX and had been in deferment since XXXX. Due to moving multiple times, I was unaware that my student loans had come out of deferment after I graduated. By the time I found out, my student loans were 150 days late. I had XXXX different student loans all being serviced by the same provider at the time. My student loans were not consolidated. Therefore, I suddenly had XXXX negative reports on my credit. I contacted Fedloan immediately and explained that I did not have employment sufficient to pay the loans at that time and that I had not received notification that they were out of deferment. Fedloan agreed to put the loans into forbearance and BACKDATE the forbearance so it would be as if the loans never came out of deferment. Fedloan backdated the forbearance to show that the account was in forbearance from XX/XX/XXXX - XX/XX/XXXX. I have had no issues since. Now, for the first time in my life, I am ready to buy a home. I have been turned down now by XXXX different banks for a mortgage because my credit report shows XXXX different accounts reporting that I was 150 days late XX/XX/XXXX - XX/XX/XXXX. I have sent XXXX proof that the forbearance was accepted and that my loan was considered in forbearance during the time period that my credit report is saying I was 150 days late. I have disputed this twice and they refuse to remove it from my report. After all of my hard work to make a better life for myself and my family, I am unable to purchase a home because of these negative reports. Why would Fedloan backdate my forbearance to show the loan as never late unless they wanted it to reflect as never late. I have provided proof of this forbearance and yet Fedloan and XXXX refuse to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called the agency to get a better understanding of the debt and instead of someone helping me I was transferred several times and spoke to XXXX different people. It seemed as though XXXX at ext XXXX was trying to help me but he needed to transfer me over to his supervisor named XXXX. I tried to receive information regarding to debt from XXXX and he was very rude, hard to talk to and he hung up in my face. The issue was not resolved so I attempted to call back and I advised that representative that their supervisor hungup in my face, the rep then stated that he did not care and he was very rude to me also ... so I ended the phone call. I also wanted to advise that I receive XXXX phone calls from this collection agency per day. They will leave a voicemail XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is regarding OCWEN not providing consumer financial relief to borrowers harmed during the foreclosure process. 
This included my foreclosed GMAC mortgage loan ( under XXXX and then XXXX was purchased by OCWEN ) and payments to borrowers as a result of the National Mortgage Settlement Act about foreclosure abuses and borrowers who lost their home to foreclosure. I lost my home to foreclosure in XX/XX/XXXX. 
After the results of the National Mortgage Settlement Act, I submitted the initial notification document with the Virginia Attorney General office prior to the established deadline while residing in XXXX. I relocated back to XXXX in XX/XX/XXXX to XXXX. 
Under the National Mortgage Settlement Act ( NMSA ), my mortgage loan qualifies for the following reasons:1. Unexpected home repairs2. I was deceived regarding the ability to make the mortgage payment3. I completed a trial loan modification plan4. I was not offered any ways to avoid foreclosure5. I did not receive proper notification of the foreclosure6. robosigning documents without my authorityThe foreclosed address is XXXX. I did not receive any documentation or a settlement check as advertised on the NMSA site. I called the Ocwen office and was informed by XXXX XXXX XXXX ( XXXXXXXXXXXX ), an Ocwen representative that documents were mailed to the XXXX address but I still have not received anything as of right now. I was advised to submit a letter. My first letter was in XXXX then another in XXXX. No response from Ocwen. 
Ally did not return my calls or provide assistance and I feel that the same thing will occur with Ocwen. 
I am an XXXX Veteran but did not use my VA loan. I respectfully request assistance in this matter regarding financial relief from Ocwen for mortgage settlement. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Asset Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call from company on XXXX immediately asked for written verification kept interrupting not wanting to send. Sent a certified letter that day XXXX requesting more info.and disputing. From XXXX until present day they keep calling. We talked to them on XXXX & they said they did n't receive the certified letter, receipt shows they received on XXXX. On XXXX I sent XXXX certified letter & tracking shows should be delivered on XXXX. I have copies of the letters disputing and requesting further written information and receipts to show it was certified. The rep did say she would cease contact but I do n't feel they should have contacted after XXXX until written information was received from them. They are calling work and home daily.

Company response to consumer: Closed
Consumer complaint received 2016-11-01
Company: The Leviton Law Firm, Ltd.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My name is XXXX XXXX and I own XXXX XXXX in XXXX, MN. We have been continuously harassed by XXXX for a contract my agent XXXX XXXX supposedly signed at a real estate conference in XXXX XXXX. We started receiving statements in the mail for a service neither XXXX or I knew what services they provide. I received them at my office and started forwarding them back to XXXX because it clearly seemed like a scam to me. Several representatives started calling XXXX and than eventually me to demand we pay the balance. We stated numerous times we had no idea what this was for and that we wanted a copy of the contract. We never received it. 

We contacted XXXX around XXXX XXXX, 2016 to speak to a representative and were referred to a XXXX XXXX, a customer relations specialist ( XXXX XXXX ). She sent a copy of the contract to us and it was incredibly apparent XXXX 's signature had been forged and our company was listed as " XXXX XXXX ''. She insisted we send a copy of XXXX 's driver 's license so they could compare signatures. We told her we were not comfortable with that in fear we were being scammed. 

The case was referred to a collection agency who we told numerous times we had been scammed and would not be paying the balance. 

Recently, we received a letter from a Leviton Law Firm dated on XXXX XXXX on XXXX XXXX demanding we pay the difference. I drafted a letter back XXXX XXXX to a XXXX XXXX stating XXXX was an independent employee with no company ownership and was not authorized to sign anything on behalf of the company and that this was not a legitimate claim. Furthermore, that we did not want to be harassed any further on this manner. 

Today I received a call from a XXXX XXXX ( sp? ) XXXX Ext XXXX saying he was with the XXXX XXXX team threatening litigation. I advised we had no idea who XXXX was, had never used their services, and that we had been scammed. I asked if he even had a copy of the contract and he said no. It was clear his whole point of the call was to argue and not resolve the manner. Just do a simple XXXX search for this guy and you can see he 's a scam artist. 

I will not put up with these kind of threats and damage to our reputation. Please look into this manner ASAP with XXXX and the Leviton Law Firm. 

Thank you

Company response to consumer: Closed with non-monetary relief