BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage online at XXXX with Caliber Home Loans on XXXX/XXXX/2014 for XXXX payment. They did n't apply payment til XXXX XXXX which was at 31 day period. They have me as a 30 day late on the credit bureau. I submitted my payment well enough time for them to issue credit. This is not my fault my payment was submitted on a thursday they do not need that many days to apply payment. It was done online in there system. I have begged them to correct this 30 day late on my credit report they have now said that if they change it, they would be in violation of the laws made up by the credit reporting fair act. I 'm so mad.. its dropped my score so low, and I was n't late. Im attaching the proof of when I did my payment. I did n't read the date on there they were crediting the payment, I did n't feel I was in any jeopardy. I see it now but again I do n't feel they are right. I want this late removed from my report please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, XXXX, and Equifax. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: NY
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:
In XXXX had several student loan with XXXX which were in repayment for years. Because I could n't meet the minimum payments my loans were transferred to numerous of collectors. I continued to pay my loans via these collectors who harassed me day in and out and realised my meager payments were n't helping the matter and ceased payments. Fast forward 7 years later i am now being sued by several collections law firms for an astronomical amount claimed to be owed by me. The accounts were charged off/ closed in XXXX and navient has recently updated information on my credit report stating my last payment was in XXXX which I have requested proof of, and have yet to receive. I do believe i am a victim of unfair practices. None of these firms have provided the requested documentation of all credits and debits made to this account. navient is constantly changing the amount of days past due on my account which is inaccurate and dishonest. these practices are unethical and must be stopped. thousands have been paid back and i am being held responsible for more that twice than what was borrowed and paid. furthermore the statute of limitations placed on private loans have come to term and is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a check to XXXX for XXXX XXXX dollars and relieved a collections notice recently I did not think there was correspondance between the XXXX companies. I recently called XXXX and paid in full

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 2015-04-11
Company: MORTGAGE FINANCIAL SERVICES, INC
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Loan officer never told me about all of the requirements for getting a mortgage. Entered into an agreement t purchase a home that needed some work. Loan officer told me the requirements under the loan I was getting were, A room must a closet to be considered a bedroom and that home ca n't have any unfinished rooms. With that information a I agreed to continue and have an appraisal done. When the appraisal came back it was noted to have some minor peeling paint and a couple of loose roof shingles. Loan officer told me that in order for Mass Housing to approve this loan I would need to repair these items. Neither I or the homeowner were ever in a position to do this. Had I known that these items would have been a requirement I would n't have gone forward with this appraisal. This is just XXXX example of the deceptive and incompetent practices from Mortgage Financial.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion is removed XXXX inquires and a collection account from my credit report however the information has now been reinserted. If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they ca n't put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item- I was never notified!

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 2015-11-23
Company: JP RECOVERY SERVICES, INC.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called XXXX times in XXXX minutes and a XXXX time XXXX minutes later. When I answered the XXXX time and tried to explain that I can not take calls of this nature during work, they attempted to keep me on the phone rather than just providing me with their contact information so that I may contact them when I am not at work. It took entirely too long to get this information from the representative on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by XXXX and told that they had a gas scooter I had been looking for in stock. I sent the money by money gram and was given a bogus tracking number. They later contacted me again wanting additional money. Scooter not sent -- -- {$1400.00} lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: M&T BANK CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I currently have a vehicle loan with M & T Bank for my 2012 XXXX XXXX. Due to some unforeseen circumstances, my autopay was kicked back and I missed 3 monthly payments. My car was repossessed and since the morning it was taken, I 've been trying to make a payment to get it back. First I was told that the bank had n't received confirmation of repo and they would call me when they did ; that call never came. I called to get a balance due, including repo fees and still they had no definitive balance. Again, I awaited a call back that never came. Since then, I have called more than 10 times in the last 3 days to no avail. Now the bank is claiming that they can not give me an amount until they have the title of the vehicle because they are the lien holder. I do not have the title, it was registered with the state of Florida upon purchase and the bank is in fact listed as the lien holder. My vehicle has been moved to an auction house and I have yet to get any solid information on how, when, or where I can get my vehicle. I have the money to pay but this is absolutely ridiculous. Every time I call, I get told I ca n't be given a payment amount because if I bring the account up to date, they have to return my vehicle and they do n't want to do that in fear that I may sell it and they lose their money. I 've had this vehicle for 4 years now with no intention on selling. I purchased it with my hard earned, XXXX XXXX XXXX XXXX paychecks and to be toyed with is absolutely embarrassing and disappointing. To add insult to injury, the late fees assessed by this bank exceed the past due amount and have been dragged from a previous late payment and increased each month. I also am expected to pay the storage fees for days my vehicle was at the repo facility because the bank failed to request the balance and relay it to me in a timely manner. This is outrageous and unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested assistance from my lender multiple times and they denied me for review from anything other than lump sum payments towards my delinquency. On XXXX/XXXX/2015 I sent in a complete package for a review for the Making Home Affordable Program. On XXXX/XXXX/2015 a paralegal from my attorneys office called the lender and spoke with a XXXX, at Vanderbilt, and asked for an update on the modification review. The representative stated that they reviewed me for an assistance request in XXXX and offered me to make a lump sum payment of XXXX mortgage payments towards my delinquency and because I did not accept that, that they are not required to review me again for an assistance request. When clarification was asked for not reviewing me again for assistance, the representative stated, " well unless we see a dramatic difference we wont look at it again. " Please help. I know I am eligible to be reviewed for the making home affordable program and my lender is refusing to give me a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received court documents " memorandum of costs after judgment, acknowledgment of credt and declaration of accurred interest '' from Midland Funding LLC dated XXXX XXXX. I contacted Midland on XX/XX/XXXX and paid the full amount of {$1100.00}. I recevied a " settlement arrangement complete '' letter from Midland dated XX/XX/XXXX. 

Today ( XXXX XXXX ), I received a " Notice of Wage Garnishment '' from Midland. The same court case number from the above paid account is the same. After paying this account in full and receiving a settled letter from Midland, the company still pursued a wage garnishment violating FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection agency have been calling me everyday about 3 times a day. Also this company has been calling my family members. They have been telling me that they are going to sue me, every time they call me they harras me and intimidate me. They are being really rude to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
CASE # XXXX. 
Portfolio Recovery has not called me for a while but has but has started again about a debt that I do n't owe. The most recent numbers that they are harassing me from are ; XXXX on XXXX/XXXX/15 XXXX and XXXX XXXX/XXXX/15 at XXXX. I have blocked XXXX phone numbers that have called at all hours of the day and night, most are from portfolio recovery. I do n't want them calling me a XXXX times a week as they did earlier this year to threaten to kill me if I do n't pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been continuing to get harassing phone calls from Portfolio Recovery Associates. I do not owe them any money. It seems like they have purchased an old debt. I have not taken on any debt in over 10 years, and so anything they would be attempting to collect would be very old, from more than 10 years ago, and way beyond any statute of limitations. 

Each time they call, I tell them not to call my number any more. Recently, I told a XXXX XXXX that he and his company were no longer to call me when he called me on XXXX/XXXX/2015 at XXXX XXXX. 

Since then, I have received threatening telephone calls, in which the caller has refused to identify the company behind the call. These recorded calls have come multiple times a day at times, and have been very threatening against me by saying a complaint has been filed against me, and that I was going to be arrested. It is always the same woman 's voice on the recording, and it sounds like she is reading the threat off of a piece of paper. This has happened at times on an almost daily basis. I believe that Portfolio Recovery Associates is behind those calls also, because no one else has been trying to collect anything from me, but since it is a recording and they do not identify themselves, I can not prove it is from them. 

Now, today, XXXX/XXXX/2015, I just received another call from a representative of Portfolio Recovery Associates, at about XXXX or so. He did identify the company this time. He was very aggressive and demanding in his tone. This is after I have told them repeatedly never to call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They leave messages telling me to call in re debt collection. I called them to find out what it was about ( the previous owner of my phone number incurred numerous debts ; I have had calls from collectors before ). They demanded my social security number in order to " reference my account ''. I naturally refused and told them " you called ME, so clearly you already know something about me with which you can look up my so-called account ''. They hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: Navient Solutions, LLC.
State: PA
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:
this company is aware of this fraudulent account. no actions have ever been made by this company on removing this debt in the amount of {$4600.00}. I have never used student loans or applied for any financial aid. This account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Dear XXXX Staff, XXXX bankruptcy filed in XX/XX/XXXX. Bankruptcy was dismissed in about XX/XX/XXXX due to falling behind on plan payments. My husband is XXXX became permanently XXXX in XX/XX/XXXX. I am XXXX, permanently laid off from my job of eight years and have filed for XXXX. Pennsylvania statue of limitations to collect a debt is four years. Portfolio Recovery Associates started contacting us by phone and US mail sometime after the bankruptcy was dismissed. I told them our situation and the statute of limitations in Pennsylvania verbally and also have sent them a letter to cease and desist. They continued to call us and send us bill statements in the mail. We registered our telephone numbers with the Do Not Call List several years ago. Their behavior is considered harassment to us. Just recently, they also placed a collection derogatory remark on both of our credit reports without notifying us of such action. They were asked to remove the derogatory remarks from our credit reports, but they have not complied with the request. They have been asked verbally and in written communication not to contact us and that we are on the XXXX Not Call List. Portfolio Recovery Associates is a debt buyer of old debt for pennies on the dollar and then attempt to collect the full amount plus fees for debts that are past the statue of limitations for collecting. Please try to stop them from harassing us anymore and please try to get them to remove the derogatory collection comment from both our credit reports. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Continued phone calls for a person with same name as me. Calls are coming from Portfolio Recovery Associates. I have requested that my phone numbers be removed. I have XXXX lines and calls come on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment. 

In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early. 

I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference. 

One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done. 

The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining. 

I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}. 

Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does? 

This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account with M & T bank has been compromised by XXXX twice in less than three months. It started on XX/XX/XXXX for {$.00}, {$1.00}, and {$19.00}. I was able to report and to leave email telling them to remove the charges but I was upset because M & T had nothing on its menu or online to report fraud. 

On XX/XX/XXXX an XX/XX/XXXX, XXXX hit my account for {$.00} and {$3.00}. Again I tried to contact M & T to no avail. Because Covid, reaching customer Service was impossible. I spent hours trying to reach them for over a week! I tried continuously and was really upset because my social security check is deposited in this same checking account! 
Finally, I called my local branch and a one of the female employee returned my call and resolved the issues. I told her what had happened. 
I received my stimulus check direct deposited into this same account. The check for {$600.00} I never received. I went to the IRS website and saw that I qualified. One suggestion on the IRS website said to ask your bank if they.received the funds. 
No answer. 
My mother who is XXXX also has an account with M & T. She wrote a check to a charity in XX/XX/XXXX. It was cashed later at XXXX XXXX XXXX and changed from {$100.00} to {$7600.00} in XXXX. M & T told use because it was check fraud, it would take 90 days to return her funds. When we called back in 90 days, M & T stated their investigator was on vacation and it would be handles upon his return. Nothing happened. No money went back into my Mom 's account. 
Last week, an investigator from XXXX XXXX called and asked us about the case. M & T had lied to us. They had never done an investigation!! In two days, my mom had her money back. since XX/XX/XXXX!!!! 
Something is going on. Senor citizens are being targeted! My mom had a similar problem with XXXX XXXX XXXX for alot less money. 
I am XXXX and my mom is XXXX.

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 monetary relief