BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX 2014 I made my regular schedule payment to Caliber Home Loans with my personal check from XXXX XXXX XXXX XXXX a few months i received a letter requesting payment which I provided a copy of my check payment from my bank. 
recently XXXX payments were made for the month of XXXX on XXXX XXXX and the XXXX which i called Caliber Home Loans to request extra payment should be posted for the month of XXXX. I sent numerous letters and many phone requesting an investigation instead their collector department constantly requesting payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Alorica Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The above mentioned account is being reported as a paid collection on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note or bill to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to and that it belongs to me. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the collection status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the collection status, correspondence sent to me regarding the collection action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan from speedy cash store XXXX XXXX XXXX 2014 for XXXX payments from my bank acct of XXXX each month total of XXXX I still owe XXXX they say all interest.i was informed today that if I only of principle to lower ant owed I still would pay interest on daily owed plus the XXXX each month this is double interest

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I Paid my balance prior to receiving a statement and I was charged a late fee. I had a XXXX balance prior to making a purchase in XXXX. I paid the amount I charged on XXXX XXXX, 2016. I realized in XXXX my balance looked different and saw I was charged a late fee for two payments made prior to the statement being generated. The payments were never late and I do n't understand how they can charge a late fee for paying early?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2015 OCWEN LOAN SERVICING was sent Check # XXXX for {$24000.00} as Mo. Pay Princp. & Int. PLUS {$16000.00} Princp. ONLY via USPS CERTIFIED MAIL ( ITEM # 1 ). 
OCWEN LOAN SVC. RECEIVED XXXX CERTIFIED MAIL XXXX/XXXX/15 XXXX ( ITEM # 2 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. POSTS {$24000.00} EXACTLY as paid ( ITEM # 3 ). 
OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. SHOWS NO PAYMENT PAST DUE PMT ( ITEM # 4 ) OCWEN LOAN SVC. XXXX/XXXX/15 Stmnt. Charges {$100.00} from Princp. Payment? ( ITEM # 5 ) Doc 's PROOF of Mailing, Receipt of Mail and Payment of {$24000.00} are ATTACHED. 
How do they EXACTLY POST Payment on XXXX/XXXX/15 then CHANGE/DENY Payment onXX/XX/XXXX/15??? What is the XXXX/XXXX/15 NON-AUTHORIZED {$100.00} CHARGE?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was Previously with XXXX it was sold to Ocwen LLC SINCE this time it has been a nightmare to say the least. Very unprofessional company to deal with. I have been hit with so many different type of fees with out explanation as to what they are really for. I contact customer service for assistance with a modification year after year and I still get the same answer we can not assit you, however they still continure to tack on unnecessary fees making it difficult to maintain the mortgage. I feel like this is preditory lending at its best. And Customer Service is the worst. I have asked for a call back from my relationship manager and to this day the only call I recieved was a call from a person that had no clue as to what my concerns were or what I needed assistance with. 

Never do business with this company they are the complete worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Byrider Franchising, LLC
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 information incorrect

Complaint:
I submitted disputes for my loan with CNAC through XXXX  3 times and it is still reporting incorrectly. It is showing up as a repossession and discharged in a bankruptcy. This car was not repossessed for more than 2 days. 

This is causing me financial damages due to my credit score dropping. 

It states that the account was closed on XX/XX/XXXX and opened on XX/XX/XXXX. It is also reporting as closed and paid off XXXX XXXX 

The last report was XX/XX/XXXX ; however, I have been making payments since then. 

Based on how they are reporting, they are collecting a debt on a vehicle loan discharged in a bankruptcy which was XXXX XXXX paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I live in a subdivision which includes a XXXX XXXX XXXX. The monthly fee for the XXXX is managed by Union Bank NY a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX in XXXX, GA. They began managing the XXXX in XXXX 2015. Since XXXX I have paid my dues on time each month. In XXXX, XXXX and XXXX I received a notice that my payments had been made late and I owed a late fee. Payments are due on the XXXX and a fee is charged for any payment received after the XXXX. All of my payments for those months had been made prior to the XXXX. When I received the first notice I send an email with payment information to the address listed in the letter. I received no response. When I received a second notice I called XXXX XXXX with XXXX XXXX services. He told me Union Bank had applied my payment incorrectly and he would take of it. However, I received a third notice in XXXX with the same issue. Union Bank and XXXX XXXX XXXX have yet to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing is listing a negative account on my credit reports. I do know that there is no law requiring Ocwen to submit any credit information to these credit companies. Owen and I are working together to sell this house which would benefit myself and Ocwen. 
Ocwen is not seeking money damages so there is no reason to keep this account on my credit reports. The mortgage was predatory from the start and has been a nightmare ever since. Because of this derogatory account on my credit report, I have been denied credit, bank accounts, employment, and proper housing. The CPA prevents companies from unfair, deceptive, and abusive acts. I am being treated unfairly and abused by Ocwen. This account is not REQUIRED to be put on my credit file so there is no reason other than to harrass me, that it should be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, OCWEN Loan Servicing , LLC, assumed servicing of my house note from XXXX MORTGAGE. Once the note was transferred, I was notified that there was an overage in my escrow account and received an escrow analysis showing the overage of {$1100.00}. OCWEN informed me that I could not keep the money in the escrow account, so I chose to have the funds dispersed to me. In XXXX, OCWEN dispersed {$1800.00} from my escrow account to my insurance company for hazard insurance on schedule, leaving a negative balance of $ XXXX. The negative balance grew until I was notified of the payment increase. 

In XXXX, my mortgage statement stated that my payment would increase from {$180.00} to {$350.00}, with no explanation. When I contacted OCWEN, it was discovered that there was no escrow analysis on file to justify the payment increase. The Customer Service Representative I connected with was unable to explain any reason for the increase. With no acceptable explanation, I was transferred to an Escalation Manager. It was at this time that I requested an escrow analysis to determine the reason for the increase in my payment. Upon receiving the analysis, I then was informed that my payment would increase an additional {$91.00} to cover a projected shortage of {$3200.00} in equal payment spread out over 36 months. 

While trying to discuss this issue with XXXX different escalation managers, I became increasingly frustrated as I was continually given different answers to my questions as to how the insurance could have been overlooked. The second Escalation Manager, which I spoke with, tried to explain to me that OCWEN was doing me a favor by spreading out the shortage that was an oversight on their part. I was never given any option on how to rectify the situation. Each person I spoke with, insisted that an escrow analysis was only required once a year. Which, at this point, was one year from the time the note was transferred. 

At that point, I was able to speak to a Consumer Ombudsman. It was n't until my second call to an Ombudsman, did I receive any credible information. The first Ombudsman that I spoke with, issued a letter to explain everything that the second Ombudsman had already explained to me, but she was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: United Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Received phone call, the caller first would not explain why they were calling and asked for personal information and family information. Caller became very aggressive and made threats of legal action. Caller made personal remarks about my family. Caller was degrading. Call was very one sided and accusatory. Calls have been made even since company was informed the debt was settled. Caller made comments as to my parenting and teaching my children to steal. Hung up when I requested to speak with a supervisor, refused to transfer me, or give supervisors name. This company is very unprofessional, the tactics that they use are threatening, abusive, rude, in violation of the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Franklin Collections agency continues to report an account from XXXX XXXX partners. I have disputed the account several times. I contacted XXXX XXXX partners, they said the date of several was XXXX 2008, which is far outside of the 7 year allowable reporting period. In addition, I had insurance at the time of service, so the account should have been paid, which was confirmed by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Exeter Finance Corp.
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX XXXX I called my Vehicle loan department to ask if they Allow me too Take the Vehicle out of Country? I advised them I was a XXXX Veteran Moving too the XXXX XXXX, I was told over the Phone by the Rep she would have to request for it and I should be notified. In XX/XX/XXXX I called again and they said the same thing? I called back XX/XX/XXXX and the Rep that took the call Advised me I could not take the Vehicle out of Country, I told the Rep Fine I am doing a voluntary surrender Please come get the car I am Leaving in XX/XX/XXXX she said Ok! 
In XX/XX/XXXX I called Again because I seen it still open on my credit report the lady said I had too fill out forms to turn the car Back In I told the Lady I was XXXX XXXX I was not flying all the way back to the United States to Fill out a Form to do voluntary surrender if that was the cause why I was not informed when I called in XX/XX/XXXX and XX/XX/XXXX?. The Vehicle sat in the Apartment complex for 6 Months the Finance Company to even tried to get the car I voluntary surrender because I was not allowed by the Contract to take it out of the Country! I called again in XXXX XXXX From XXXX XXXX to see if they got the car Yet? I was told no and asked me for a number to get in contact with me I gave them my Cell Number here in the XXXX XXXX. Like 2 Days Latter I had an Investigator call me asking me where the Vehicle was and he Was Hired by Exeter to get the car back! I asked him why they did not get it back in XXXX when I did I voluntary surrender! He did not know and asked me for my Help! I told him my Wife also tried to turn it in and was told I had to fill out paper work Too before they could take the Car Back. I told XXXX the Investigator that I would personal go back to Texas and See if I could help find the Vehicle and at this point I did not Know because my and my wife was going through a rough time and I had not spoken to her for 3 or 4 Months at this point. I told him I looked at my Credit report and did not like the Fact that they put Missing Payments and add more to the Payoff! He said he understands and I bought a ticket to Texas trying to find the Vehicle I called all over and no one had it towed I final got ahold of my wife and she told me she droped it off at XXXX in XXXX! She did not tell me which one since we have been fightting I Called XXXX the Invesitagtor right away to let him know of the Information I had and what I was doing to try and find out what Dealer at Car Max she droped it off at? I left Texas on XX/XX/XXXX. and Still very upset they I the Consumer had too spend all my savings to go back to the States in order to help this company that did not care about this in XXXX XXXX and who has Put missing Payments on my credit report add more money too pay off is Crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Pinnacle Credit Services, LLC
State: VT
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:
I had tried to return a phone in exchange for a new one ... thats all no upgrade etc. ( had it ten 10 days! ) ..the nastiest woman in the XXXX NH store bellowed there is nothing wrong with this phone ... which of coarse there was. I wanted to swap it out before the warantee expired and she wouldnt do it. So I put the phone on the desk and told her you have broken the contract by not repairing or replacing defective phone. We have no contract .She said GOOD LOL.. Recently checked my credit score which was ok and found XXXX sold it to collections. Someone said call verizon which I just did and the abrupt woman said .nothing I can do we sold it. I asked to talk to supervisor and was told there was no need.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: ATG Credit, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection agency sent an email to a 3rd party email address and disclosed the debt and all other information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hayt Hayt & Landau sued me a few years ago for a past due debt. Totally legitimate. I owed it. They seized my bank account and received their money. The debt was settled. 2 years later they say I owe them money still. I did not receive any communication stating there was a balance due. They tried to serve papers on us XX/XX/XXXX. I called their office ( I am sure I the call was recorded ) and requested proof of the debt and an accounting of the funds received to date. I received NOTHING. Friday afternoon XX/XX/2016 I was served at the office for a garnishment for the balance due. I am the XXXX and XXXX XXXX, I must submit the paperwork for processing, but it is n't fair. They wo n't even answer emails regarding the debt! Or call me to discuss it. I had no idea they felt there was a balance due and now there is a garnishment with extra fees that I should have to pay because I would have resolved the issue sooner before there were extra charges if they had just sent a letter or called me! 
THIS IS A SCAM and someone should stop them from their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi, my complaint is against Trans Union and XXXX. I have contacted these companies since XX/XX/2020 about accounts that do not belong to me. They have never respond to me at all about these accounts listed below. 

1. XXXX/XXXX  2. XXXX  XXXX/XXXX  2. XXXX XXXX  PLEASE HELP ME TO REMOVE THESE ACCOUNT FROM MY CREDIT REPORT. 

THNAKS

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 2021-04-01
Company: R & B Corporation of Virginia
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had internet service through XXXX XXXX. I will attached bills showing XXXX for tv service from XXXX - XX/XX/2020. In XX/XX/2020 they sent me a bill for tv service. {$240.00} + XXXX in taxes. I called and said I did not order tv service but they only credited a portion. I disputed the difference of {$130.00} with my credit card company as it was on auto pay. XXXX XXXX gave me a credit. XXXX then charged me a {$25.00} return payment fee and said I still owed them for the tv service that I didn't order and they could not provide a work order or that I had called and ordered tv service. They have since sent this to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
ATG XXXX received debt that I owe. I contacted a credit consolidation service XXXX XXXX XXXX XXXX XXXX to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan for a XXXX XXXX XXXX with Exeter finance. I have found a payment of XXXX dollars dated XXXX XXXX for which my account was not credited. Also I am not able to ever get a breakdown on how much of a payment went toward principle, it is very difficult to get answers from their Customer Service I have in times past spent hours trying to determine why my payoff remains so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Several attempts were made by me to request Validation of debt on account reported on my credit report by Pinnacle Credit Services. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. There is a required 30 day response time which has not been met.

Company response to consumer: Closed with non-monetary relief