BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-13
Company: Frontline Asset Strategies, LLC
State: CA
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 letter in the mail stating there was a change of lawyer on a debt. A few days later I and my relatives received a call from a debt collector. I called back and they were unable to provide me with further information because according to them, the XXXX XXXX they had on file was not the same XXXX. My birthdate and the one on file did not match. A few days after, I received a letter from this same company stating I had a judgment against me from XXXX. I called the company to follow up, left a message and no one has contacted me back. It says original creditor is XXXX XXXX XXXX and charge off date was XX/XX/XXXX I do n't recall having credit cards with XXXX XXXX XXXX. I 'm unable to follow up with the agency because its not me, but I 'm receiving letters from them. I do n't believe this is my debt and would like to clear this from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
Back in XX/XX/XXXX, I applied and received a care credit account for XXXX worth of dental work my husband needed. Our insurance would only cover XXXX of this amount. On the last month XX/XX/XXXX I made a last payment to take care of the XXXX transaction of this total. I was 8 days late. Not understanding that their is no grace period for this account. They immediately charged my account the back accrued interest. I did not realize I was acquiring interest on an interest free loan if paid back at the end of the term. I paid early on a transaction that was due in XXXX, However they charged me the interest on it because they said I still owed money on that transaction. I had been paying the amount on the statement each month to pay these off. I currently owe over XXXX on this account and have XXXX transactions left for XXXX ... Due XXXX and XXXX due XXXX. Yet I am paying XXXX/month and XXXX of that is going to the actual loan. I was not aware of these stipulations when I signed up for the loan through my dentist. I was told it was 0 % interest for 2 years. Calling today they have sent me to the bankruptcy division of their company. I have not filed for bankruptcy. Not sure what is going on. 

Thank youXXXX XXXX KS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: Diversified Consultants, 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 was paid

Complaint:
My wife and I were customers of XXXX XXXX. The account was originally under my name, XXXX XXXX. In XX/XX/XXXX, my wife was hired by a school district in North Carolina. She became eligible for a discount for XXXX XXXX. In XX/XX/XXXX, we switched the account to her name, XXXX XXXX. This caused a change in accounts with XXXX. XXXX then charged a termination fee, which was then reversed. However, in XXXX XXXX, I received a letter regarding an unpaid debt from Diversified Consultants , Inc. on behalf of XXXX. I contacted XXXX, and they confirmed that my account was in good standing, with a zero balance. I sent Diversified Consultants a letter to state this. I never heard back from the company. I now received a letter dated XXXX/XXXX/XXXX from Diversified Consultants, again trying to collect on this " debt. '' All the while, I and my wife remained customers of XXXX XXXX, and have no outstanding balance or owed monies. I am being harassed by Diversified Consultants , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Credit Control , LLC committed several violations. When they first contacted my husband and I by phone I was not aware of who they were and what debt they were trying to collect. The person who called informed us that they were collecting a debt on behalf of XXXX XXXX. We informed them that we were n't aware of Credit Control , LLC on my credit report. I was transfered to a supervisor who informed me that they were collection a debt for XXXX XXXX. We informed him that the only XXXX XXXX collection that we are aware of was with XXXX XXXX XXXX and that I sent a letter requesting Validation and a written cease of communication notice and have yet to hear in writing from XXXX XXXX XXXX in regards to verification. We were then informed that Credit Control , LLC. is working on behalf of XXXX XXXX XXXX to collect a debt on their behalf. I asked again are you collecting for XXXX XXXX or The Bureaus? He said the XXXX XXXX, We were confused as to why they were saying they were collecting for XXXX XXXX as if they represented XXXX XXXX and did n't mention The XXXX XXXX until we informed them about my request for Validation and Verification to that debt and written cease of communications. Credit Control LLC is falsely claiming they represent the original creditor when in fact they represent The XXXX XXXX which is not the original creditor. They contacted by phone on behalf of XXXX XXXX XXXX when the XXXX was issued a written cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were coerced into financial ruin by several mortgage companies that our loan has been passed too in order to cover their wrong doing. We have been trying to negotiate a modification that has been used to entice us to leave a successful chapter XXXX, we have an attorney that has been diligently persuing this modification. With no success being brushed aside casually with a statement that they are not authorized to negotiate. Further they refused to provide proof that they are current holder of our note. We have also pursued this thru Congressman XXXX XXXX office. Their response to the congressmen office was entirely different than to us of which they will not respond too. All we want is what is fair and what they agreed to do when they accepted the XXXX XXXX in TARP money to provide loan modification to home owners who qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SHELLPOINT MORTGAGE - RIDICULOUS ESCROW AMOUNTWe recently purchased a new home and used a loan officer. He basically went to several banks to see where we could get the best interest rate, etc. Ultimately the mortgage is with ShellPoint Mortgage. Since day one they are charging us a ridiculous amount for an escrow payment. We, my husband, myself and our loan officer called them XXXX/XXXX/2015 and requested an escrow analysis be done. It is now XXXX XXXX, 2015 and every time I call they tell me they will get it to their supervisor to process today. Never happens! I have called almost every week and get told the same thing. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Hameroff Law Group, P.C.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had a car financed with a friend, we were behind on making payments, but we were nearly caught up when XXXX XXXX XXXX decided to repo the vehicle. They neglected to tell us we still owed on the vehicle, this was back in 2012. This year XXXX has filed a complaint with the courts ( lawsuit ) back in XX/XX/XXXX they initiated contact at my work, they were asked not to contact me there anymore, they said I failed to the court proceeding and I did but incorrectly, they decided to send the letter to my job, my store manager was furious since we already told them not to contact me there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint is acting in bad faith regarding a real estate transaction and in violation CA Homeowner Bill of Rights by denying borrower their legal right to short sale and illegally inflating the value of borrower 's property while disregarding known issues about unpermitted construction on property. Shellpoint has been advised about unpermitted additions done on this property yet they are refusing to acknowledge these facts and allot for the monies needed to correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
ShellPoint LN XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX In XXXX 2015 the homeowners filed a Chapter XXXX bankruptcy. The lender told them they had to move out since they do n't own the property any more. Therefore the homeowners moved out. The lender proceeded to not foreclose on the property, and instead it has been sitting as a zombie foreclosure for the last year. In addition, the HOA has continued to accrue for the last year, unbeknownst to the consumer. 

The lender then sent a letter to the consumer requesting they market the property and move forward with a short sale. Therefore, the consumer proceeded to hire a real estate agent, market the property, and procure a buyer. 

Now, however, the lender is now refusing to do a workout of any kind, even though they know the mortgage is upside down. They have further endangered the consumer who is no longer allowed to live in the property by accruing debt ( in the consumer 's name ) with the HOA Company. 


The lender has shown cruel treatment to the consumer in every action they have taken : 1. ShellPoint forced the homeowner out of their home 2. ShellPoint forced debt onto the consumer for a property they were prohibited from enjoying 3. ShellPoint lied when they sent out a letter regarding the consumers options that they had no intention of giving them When is this going to stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/15 Medical visit should have been covered by insurance. After months of failed attempts to get doctors office to refile insurance claim, I decided to pay the bill. Check cleared my bank on XXXX/XXXX/2015 & they have now sent this debt over to XXXX Collections. XXXX advised I go back to medical provider ( the same ones who have done ABSOLUTELY nothing to assist me ) in regards to debt, even though the collections letter states to call the XXXX number if there is a dispute in validity. I offered to fax/email and requested info, & XXXX with XXXX would not accept & was of no assistance. I have now called & left a message with XXXX XXXX XXXX billing XXXX & left message complaining of this collection action & requesting contact with supervisor ; awaiting reply. I expect no help from this company in regards to resolution so I wanted to go ahead & start complaint process against the medical provider & the collections co.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Bonneville Billing and Collections
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company ( Bonneville Collections ) has failed on multiple levels on the validation of this debt. I have the letters stating the amounts owed are between $ XXXX-XXXX in interest alone every time i 've gotten correspondence from them. Original amount is {$240.00} per original creditor yet they claim its $ XXXX-XXXX??? thats THEIR fees and charges. What gives them any lawful right to do this? .. violation of fdcpa 808 ( 1 ) since i NEVER HAD A contract with the original creditor, so how can they legally do this?. i also have credit reports from XXXX and XXXX for the same dispute cycle stating different amounts owed. How is this possible if their supposedly '' verified!? '' remember all account info is supplied by Data Furnishers per FCRA 623 NOT the Bureaus responsibility. Also the account they have been claiming was from the original creditor is wrong! as i have the original creditor own statement and account number is XXXX digits off.How is it then Validated?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have tried to offer a fair settlement to this account based on what I could afford. They are really mean. They refuse to even discuss it. They yell at you on the phone and the last girl said she was going to tell them to take legal action even though the debt is old and out of statute. Bottom line, they refuse to work with consumers. They would rather get nothing and continue to hurt consumer credit if you can not afford to pay them the full amounnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: A.R.M. Solutions, Inc.
State: TX
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 have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I signed up for automatic debit to save 1/2 % off my interest rate. Navient still is not taking the payment, and it is causing me to have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  XXXX XXXX, trans Union, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.

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 2021-01-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I paid the settlement offer of {$330.00} with confirmation XXXX. I was told on a recorded call the debt would be deleted from my credit report upon payment of the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: BOK FINANCIAL CORP
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
The appraiser that the bank send to the house I bought was wrong on the value of the house. He did not follow the FHA standars. On his report the appraiser ommits a lot 's of damage on the fundation, on the Roof and in some other areas. 
When I first apply for the loan the mortgage people told me that the FHA loan requires a very strict inspection wich never happens. Also I recived the keys for the house until the 3rd day and Its when I found out all the problems on the house. 
According to FHA ... ..HUD the house must be in perfect conditions. 
This house has the following problems : Mold on attic and crawl space and air ductsWater Filtration in XXXX RoomFundation Cracks and Mold in some areasProblems with the RoofElectrical Problems. 
No apropiate ventilation nether on the attic and crawl spaceCracks on the front fundation of house. This is A LOTPlease help me.!!!!!

Company response to consumer: Closed
Consumer complaint received 2015-07-01
Company: Admin Recovery, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Guy XXXX called me repeatedly on my cell phone and my job leaving messages. i called him back because i did n't know what it was. He stated that he was a lawyer and that his client was taking legal action against me because I had committed a crime and that I needed to pay his client today or I would be charged in court for the crime i committed. His number is XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was told if I returned a XXXX water dispenser it would make my bill XXXX and take it off the credit report. After I did so the bill increased from XXXX to XXXX due to fees even though I never received a bill for these fees. After XXXX calls they told me to email the receipt and threatened me stating, " If you have an attitude I am going to smack you. '' a threat of physical harm. I was not allowed to talk to a supervisor and the email was not given. I had a XXXX XXXX. The amount credited was then XXXX, then XXXX and finally I owed XXXX with no explanation. XXXX staff admitted the threat was on a recording as was the original promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I had made a payment on my " VERVE '' credit card on XXXX for {$100.00}. This payment was made as it has been for months. Yesterday I received a call from the credit card indicating that my payment has not posted due to " incorrect or wrong account information ''. I called Verve ( continental finance ) and i was advised by the representive that their website had some work done. I asked why they wouldnt advise the payor that they should reenter their information. Instead they marked my account deliquent and assessed a {$25.00} fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I mailed 3 different letters to each Credit Bureau XXXX, XXXX and Transunion within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.

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 2016-08-24
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX 2016 I bought a house from Bank of Oklahoma via a short sale. I paid the agreed price and assumed everything was taken care of. 

In XXXX we decided to go ahead and sell this property as the rental is in an area that we do n't cater to and did n't plan to buy anymore in that area. 

We got the property under contract, scheduled to close only to find out that BOK had failed to file the mortgage release. Once contacted BOK claimed to be waiting on some moneys the believed they were owed from FHA. We did not buy the house from FHA nor where their any stipulations that said that after we paid nearly XXXX in a cash purchase that the mortgage release was subject to any third party. 

I had the company that facilitated our closing call both BOK and FHA. FHA claims that they have already did what they needed to, BOK now admits that it is true but claims due to back logs they legally have until XXXX XXXX 2016 to file this mortgage. 

This is outright fraud. What kind of mortgage lender takes the payoff they ask for then holds ( us ), an innocent 3rd party to the original moneys owed hostage while they wait for government red tape.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage payment was mailed in 9 days late. We received an extremely harassing telephone call from 21st Mortgage Company, threatening us with damaging our credit by reporting it late if we did not turn over our bank account information for immediate payment withdrawal, and telling us putting it in the mail was not acceptable. The person on the phone, when his information was requested, said his name was XXXX and he was our account manager, and refused to provide any other information. He repeatedly tried to bully me into providing my account information, and I finally cornered him into admitting the payment was not late yet. This is unacceptable.

Company response to consumer: Closed with explanation