BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: TRUSTMARK CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A company has called myself, my wife and my mother. All three times they have threatened a pending civil lawsuit against me.They have given me a case number and phone number to Trustmark Corporation. I called Trustmark and asked them to send me the information regarding the debt and pending lawsuit. They have never done so, yet the original company continue to call us threatening a pending civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: M&T BANK CORPORATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: NE
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:
The credit bureau, Experian is reporting an inaccurate payment history with XXXX XXXX XXXX. They are reporting that there was no payment made for the month of XX/XX/XXXX, which inaccurate. I have attached a copy of my payment history with XXXX XXXX XXXX and it clearly shows, a payment of {$140.00} on XX/XX/XXXX. I have disputed the payment history several times with the credit bureau and the creditor and they are still reporting inaccurate information. I contacted creditor about the payment history being reported inaccurately and they confirmed the payment made in XX/XX/XXXX and said it was a glitch in their system, that is not my fault. This needs to be updated immediately on my credit report.

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 2017-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Credit card companies are required to allow me to opt out of information sharing. ( Thanks to government reguluation for this. ) It is my preference that they do n't share my information. 

In order to opt out I must call the on the phone. All other features and services can be done on the web site. For some reason this requires a phone call. I 've made that phone call and am currently waiting on hold. They claim high call volumns. I 'm taking this time to My complaint : Capitol One is making it difficult for me to opt out of privacy sharing. 

In fact, I 've not yet been connected to a representative. For all I know, it may be impossible for me to opt-out. It has now been 5 minutes. This function can be done on the web site. That i must call and wait on hold is an intentional barrier to opting out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: MoneyLion Inc.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, XXXX, on 4 different occasions, money was debited out my account and without my acknowledgment! Totaling close to {$800.00} and I made a dispute with Moneylion and was told to fill out paper and return. While o been sending them my paper every day and they are stating they cant read it, cant open it, etc for 3 weeks now. I sent it every way possible, now Im starting to believe they took my money! 
While my claim is active, I was still having money taken from my account, even with everything being locked. This is a huge issue, on their part, because theyre featured isnt working! I just want and need my money back ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/15 I sent a " MoneyGram '' transfer, I then cancelled the transfer a few hours later. I called MoneyGram to find out how long it would take to see the money back in my checking account and was told XXXX days. I have called them back 3 times since then and each time I call I am transferred at least XXXX times and promised I would see the money in a few days each time. It has now been XXXX days since the transaction was made. Their website states they issue refunds in XXXX business days. I called again today and after being transferred XXXX times and on the phone for an hour and a half and I was told to wait an additional XXXX days. No one there wants to help, no one knows why it is taking so long and everyone says to wait a few days just to get us off the phone. Can you please help me in receiving my refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have recently been declined for a loan modification, and am having a very difficult time with Ocwen. After my decline for a modification Ocwen offered me a forbearance plan. {$9500.00} due XXXX XXXX and {$2600.00} due by XXXX XXXX. After everything I 've been through how can I pay that? And when Ocwen has just reviewed all of my paperwork how can they even offer that? It 's crazy. In XX/XX/XXXX my wife lost her job and we had to use all of our saving to make the payments. We did this all through XX/XX/XXXX. We fell behind in XX/XX/XXXX and applied for a modification. We received the modification and started to make payments again. Unfortunately XX/XX/XXXX w fell behind again due to the fact my wife 's mother became ill and passed away. We continued to make payments well into XX/XX/XXXX. In XXXX XXXX we made a payment and it was returned. We had a fraud on our bank account that caused this, and took over a week to correct. Now Ocwen will not accept payment and is forcing us into a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: VW Credit
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2015 Volkswagen sold me a XXXX Volkswagen Jetta " Clean Diesel '' for {$24000.00}. This vehicle was sold using fraudulent inducement by Volkswagen - the car contained a emissions testing defeat device and violates Unites States and California laws for vehicle emissions. Volkswagen has admitted to cheating on emissions tests and intentionally installing the defeat device. 
My car purchase was financed by Volkswagen Credit, also known as " VW Credit '', which is a wholly owned subsidiary of Volkswagen Group of America. The vehicle sales contract was based on fraudulent inducement and the sales contract should be rescinded. I have sought formal rescission of the contract through legal means. I have contacted VW credit and requested that loan payments for the vehicle be suspended until resolution regarding the sales contract is obtained. The VW Credit representative I spoke to denied any request for suspension of loan payments and threatened to report me to the credit bureaus for any late or missed payments. VW credit offered no other means of resolution despite holding a car loan contract based on fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CURO Intermediate Holdings
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have only received XXXX phone call from this company about a debt owed from XXXX XXXX on XX/XX/2022. The call was XXXX minutes and the representative was speaking very low to where I could not hear them. I tried to call AD ASTRA RECOVERY back to verify this debt in writing and I was unable to reach anyone. I have not received any other Mail notifications with a right to dispute from this company. I feel it is unfair to have this negative item on my credit report but I have had only XXXX communication with this agency. I have sent a cease and desist letter to the agency on XX/XX/2022 after trying multiple times to get the collection removed through the credit bureaus but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for bankruptcy in XXXX of 2014. My case was discharged by the courts in XXXX of 2014. My mortgage company Caliber Home Loans refuses to lift the hold on my account stating that they never received an " abandonment of property '' document. This is issued before the case is discharged by the trustee but once the case is discharged that paper means nothing.They will not send me statements or allow me any internet access to my account. I have never missed a payment. They charge me XXXX dollars to make a payment on the phone so I have been paying via bill pay at my bank. I dont know if my escrow is being paid or my insurance. The amount of my payments changed and I was never notified. There is mony in an account of unapplied funds that they wont apply it to my account. I feel like they are trying to make me default on my loan which they bought from my original mortgage company. Help please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Admin Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I spoke with this company back in the summer of XXXX and told them to stop calling my friend about this collection. The person I spoke with told me that when they ca n't get a hold of the debt holder that they call any numbers associated with their address and assured me that they would stop calling my friend. I have recently discovered information that makes me think my payments are not going where they should and stopped those payments last week. They began calling me and they same friend. I spoke with a supervisor on XXXX to discuss the issue of my money and the payments and also brought up again that they are calling my friend. The supervisor assured me that the only number they had for me was my cell. I explained to him what i was told the year prior and they she just told me they called her again and he assured me they did not do that. Now today, XXXX my son, who is a minor, tells me he is now getting the calls and voicemails from this company. I have instructed him to leave the voicemail and the phone number in his history in case they deny it again. They have a working number for me, and I even spoke with a supervisor last week and told them why i stopped payments and what my next steps are and they are now embarrassing my friend and MY CHILD.

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 2017-10-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Applied for EQUIFAX free XXXX  XXXX providing all requested information. 
Received email on XXXX/XXXX/XXXX with link " take final steps in enrolling. '' I had accidentally discarded email with link. 
Called EQUIFAX and was told there was freeze ( which I requested ) and therefore free protection was not available without going through unfreeze process. 

I would like promised free protection without expending more time on this. 

Note : when calling EQUIFAX they want full SSN - this form makes clear all they need is last four digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX a fradualant company called XXXX XXXX XXXX manged BY XXXX XXXX claims to have rights to a heloc loan Residential capital that went bankrupt in XX/XX/XXXX, residential capital servicing rights were bought buy Ocwen filed a false notice of default, his investor XXXX claims to have bought the property at a trustee sale, and XXXX XXXX assigns the property to XXXX BEFORE THE SALE, this was a XXXX lien and we were current with first lien and was in the property for XXXX years, when we landed in a unlawful detainer court stating we are now tenants and XXXX is our landlord he never shows up in court and the court violated our rights of due process because the judge went against his bench guide XXXX because this was about title and not about rents and they should of never been able to take our house under false pretenses and criminal intent. XXXX has never paid off my first lien they just rented my house out for a year and now it is just sitting empty. On XXXX XXXX XXXX ASSIGNED THE GRANT DEED TO XXXX XXXX another fraudulent company of XXXX XXXX stating there exempt for any transfer fees? The house XXXX XXXX XXXX XXXX ca XXXX was upside for years but once it got back up this vulchers came out of the wood work getting the new secretary of stale XXXX in place all in XX/XX/XXXX and all our each others agents/ mangers all from XXXX XXXX XXXX fraud scam they have no proof of this debt because I ask for validation of claims and they could n't produce any, also they have a fraudulent trustee in place XXXX XXXX XXXX has no rights as a false trustee to give our house away and claim XXXX in debt charge off claim. XXXX IS A CRIMINAL HE ALSO GOES UNDER XXXX AND XXXX, SO HE WONT HAVE A XXXX XXXX, also XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX ARE ALL PART OF THIS SCAM THERE INVESTORS FOR THE MORTGAGE RIMICS, AND SEVICING POOLS, SCAMMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Alorica Inc.
State: IL
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 repeated confirmed verbally I am not the debtor in question. Faxes sent to my employer by collection agencies have been completed by my employer stating I am not debtor. However, each time a new debt collector purchases the file I am contacted at work and a fax is sent to a general fax number. I have asked each time that a notation is made in the file and that I am not contacted at work. The last phone contact was today ( XXXX/XXXX/2015 approximately XXXX central ) by West Asset Management Company. This is sensitive to me as I am employed in a financial institution in a XXXX position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: Autovest, L.L.C.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was sued by Autovest LLC on an alleged loan. 
Autovest is a debt collector. They knew that the debt was beyond the statue of limitations. 
This company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Company refuses to provide me with the process for paying additional money on my account. I submitted inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and although their email response states I will hear back within 5 days, I have not received the information requested. Additionally, my online payments used to have a way to pay extra money ( an amount of my choosing ) to my account ; however, that has disappeared. I received one response that I need to call to get the information. That is not acceptable! This simple question can be answered in writing. The only reason for them not to answer is that they want to continue charging as much interest as possible. This is the second time I have had to contact you to get this simple question answered. They restored my online ability to pay an amount of my choosing online mysteriously in that case, stating it was always there. This time I will attach proof that it is not there. And I want to request that it REMAIN until my account is paid in full. Furthermore, they have not at a minimum provided me with mailing instructions either for mailing in extra amounts of my choosing to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery purchased this debt. They are reporting incorrect amount due {$2400.00} on my credit report but reporting to XXXX {$1700.00}. They 've stated they will only refer me to the original credit for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
On XX/XX/XXXX at approximately XXXX XXXX I logged onto Santander Consumer USA website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX XXXX XXXX website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX They are stating the payment was due XX/XX/XXXX I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent XXXX letters to request that the agency, Portfolio Recovery Associates, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt has been placed on my credit report multiple times, this is incorrect and needs to be removed as it is preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.

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 2016-06-15
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been forced into foreclosure due to unwillingness of my lender, Ocwen Financial to modify my loan. I was only two months behind on my rent and was not allowed to make payments due that everything had to go through a relationship counselor by appointment only. The past due amount kept getting pushed higher and higher, and in spite of my attempts to catch up and communication with anyone in customer service ( XXXX % of whom are non-english or broken english speakers ) communication was EXTREMELY difficult. Each person disseminated different information. I was bombarded with paper work that i could n't understand. I am now 11 months overdue and am selling my house to resolve the matter! All this could have been avoided if there was willingness to work together and communicate. Even though I was laid off 6 years ago from my job and have been working XXXX-XXXX jobs to make up the income -- there was NO willingness from them to modify AT ALL. I have XXXX kids to feed and provide for -- I 'm done fighting for my home and not sure what the future holds for us!!!

Company response to consumer: Closed with explanation