BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SOURCE RECEIVABLES MANAGEMENT is a fraudulent collection agency that is attempting to collect a debt from me which I do not owe. I have a XXXX account which was confirmed to be fraudulent and was removed from my credit report for year. This collection agency is attempting to collect a debt in which I do not owe. I asked them for an email address so I can send proof but they don't own an email address for me to send documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Traditional IRA account opened with predecessor bank, XXXX, for a 60 month CD that matured XX/XX/XXXX. Upon maturity of the CD I requested that the proceeds be transferred to a new IRA Custodian. M & T Bank applied a {$75.00} " XXXX '' and deducted this amount from the transfer ( took the money out of my IRA account ). I was never told of this fee, I was never asked if I wanted to pay the fee separately rather than have it deducted from savings, and the original IRA agreement with XXXX made no mention of this egregious fee.

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 2015-10-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2015 I sent a moneygram of the amount of {$200.00} to an indivdual to XXXX XXXX XXXX XXXX.It was not received when the recipient informed me it was declined by Moneygram.After numerous calls to Moneygram to refund me the $ XXXX.they refused and told me they have to interrogate the recipient! I Also requested a refund on there web site after filling out the form i received a blank page and they. never notified my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: M&T BANK CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of losing our home we built. Because of the bank stating after 8 yrs our loan matured. Even though we have signed legal doc. stating we have a 30yr fixed loan with at date of XXXX. The bank wants the payment in full but no one can explain how or why this is happening. They are forcing us into Foreclosure and the latest they ask if we would deed the house back to the bank. We have the house on the market trying to short sale it, our realtor XXXX had it on the market for XXXX. We had an offer but the bank refused the amount and counter XXXX. The buyer did not take that offer. We have had an mortgage specialist tell us we can afford that price but M & T bank will not work with us. After several attempts at a loan modification they approved us, but the payments were over XXXX a month. First all of that is unrealistic and totally unacceptable. They stated refusing our payment and would send the checks back to us. I had to file bankruptcy to stop them selling the house. Then they realized they did n't serve the paper and follow proper rules. I DID NOT go through with the bankruptcy but its showing up on my credit report and It will be a long time before I can provide a home for my family. I have a daughter that just graduated from XXXX XXXX and my other child is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I currently am a patient of the establishment in question. I have not received any validation of debt pertaining to a medical bill nor any record of the account. I paid the account in full based on the fact they stated it would be removed due to inconsistency in contacting me to resolve the outstanding debt in a timely manner. I was not made aware of the debt in order to make payment properly to prevent credit reporting. Per the law the debt collection company is required to within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debtThe name of the original creditor to whom the debt is owedA statement describing your right to dispute the debtthis was not done therefore hindering me from resolving the matter. They did not call or send letters to me to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We purchased our home in XX/XX/XXXX. We were not sent a copy of our owners title insurance policy. I called the title insurance company for a copy and was told that she would work with the current title company in every way but never said anything else about me getting a copy. Now she wants to only give an indemnification letter not a copy of the policy. We are trying to refinance and have learned that the liens on the house are still outstanding. Liens to be satisfied at the time of closing. None have been released. The title company that closed on our loan is out of business and she is now working for another company and acts like its not her problem when she has the canceled checks showing where the liens were taken care of, Without a policy number I ca n't even submit a claim and am being stonewalled on all sides, ( the builder got in trouble and vendor liens were placed on the house, We knew this going in and were told it would be no problem. XXXX of the vendors said he did not get paid. Even the attorney of record is not available for me. Said she would not have any papers pertaining to our loan. I also checked out the title company that did the closing and she had not had an active business license in the state of XXXX since XX/XX/XXXX. Yet she closed my loan in XX/XX/XXXX. She now works for another title company as senior underwriter and told me I ca n't be calling her. She says my files are in XXXX and she ca n't get to them and her computer has crashed. 
What recourse do I have available to me? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX can fax you anything you need, I ca n't email at this time. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Re : Specialized Loan Servicing , LLC ( " SLS '' ) In an effort to do a Short Sale on a property that my XXXX year oldmother owns, SLS, has scheduled an auction of the property forXX/XX/2015. We have submitted all requested documents andwere initially told that consideration of the Short Sale process wouldproceed. Upon calling SLS yesterday, my mother was informed that SLShas decided NOT to go ahead with considering the property for ShortSale because we are too close to the auction date. We currently have aCASH offer for the house and are seeking postponement of the sale datein order to be considered for a Short Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX Colleges in XXXX and utilized their student loan services. I called the lending institution to put my loan into a deferement as I 'm still in student status, albiet at a different college, and I was informed that there was no such option. The statement clearly says " XXXX Colleges XXXX '' on it, but when you call the customer service number the phone is answered with " Patient Billing Services ''. It appears that XXXX treats their student loans as patient bills and there is no way for me to defer the loan or to lower the interest rate.

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 2021-03-21
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: United Student Aid (USA) Funds
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This fraudulent debt appeared on my credit file. I am a victim of identity theft. So I notified the company 's and they refused to show original contracts so I can better investigate the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: BANCO POPULAR DE PUERTO RICO
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This matter pertains to four issues : ( 1 ) This company has placed multiple claims in my credit report for the same item. I have disputed this and all items below a number of times without a single response from the company. The company has now sold the account, yet continues to list it as a damaging item in my credit. 
( 2 ) This company is falsyfing information about last payments to claim this needs to remain in my credit longer than it already has been. They first claimed delinquency in 2008, when contacted them about proof they were not able to provide any. 
( 3 ) This company never provided any evidence or substantiation to the amounts being reported. I engaged a lawyer to help me and this company refused to furnish any data. 
( 4 ) This company sold the alleged debt to a third party, continues to report this old item, while not being able to provide any data as to the source of this claim, dates, or any relevant information, and has not contacted me directly, rather it has called my mother and other family members and disclosed that I have a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan holder is Specialized Mortgage Services of XXXX XXXX. My loan number is XXXX. A bank draft from my personal checking account with XXXX XXXX of XXXX was sent directly to XXXX, sent in time to arrive on or prior to XXXX XXXX, 2016. Due to the fact that I check my bank balances every morning, I noticed that the payment to my mortgage loan account was never credited nor deposited. After several phone calls to SLS, it was mutually determined that I would stop payment on the first draft and issue a second one. A bank draft from my personal checking account reached SLS on XXXX XXXX and was deposited on that date as well. XXXX XXXX was, according to SLS the last day that payment received by SLS would be credited to the account as " payment made on time. '' A stop payment on the first draft was issued on XXXX XXXX, 2016. I was subsequently served with a letter by SLS stating that my payment was refused due to a stop payment. On XXXX XXXX 2016 I received another letter dated XXXX XXXX 2016 from SLS stating that my mortgage loan was delinquent by more than 30 days, and they had not received my XXXX payment. A cursory review of my checking account shows both the XXXX and XXXX payment deposited by SLS. I have never been late with am mortgage loan payment in the 23 years I have been a home owner. How can I get XXXX to respond and stop their bad behavior?

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 2015-06-30
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015 I was notified that my mortgage with XXXX XXXX XXXX was being taken over by Specialized Loan Servicing , LLC. All payments after XXXX would go to SLS.I made 3 payments to them ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). Each time they delayed and harassed me about late payment. I phoned them, spent several hours talking to them trying to resolve this. Kept getting passed around. Now they have cancelled my insurance, yet collected for it in the escrow account. I responded to the first letter. Received another letter ignoring my first letter. Every time I send a letter, I send it return receipt requested so I know they have gotten them. I did not ask to do business with them, I was perfectly happy with XXXX XXXX XXXX. They should operate in an ethical and professional manner and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Incomm Holdings Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased the card for {$200.00} at XXXX in XXXX XXXX nh on XX/XX/21 at XXXX XXXX  that evening we tried to register the card. But had difficulty understanding the teleprompts so I put the card back in the package with the receipt s and had to have my brother make the purchase that I bought the card for. I have every intention of doing on going business with these folks as I've heard good things about them! The card was taken from my office by we are quessing one of the XXXX children my girlfriend takes care of during the week it has been a nightmare to put all these parents thru questioning there children and searching for the card that's why it has taking me so long to call and try and figure out how to straighten out the issue one person out of the 4-5 people I talked to told me he had the card number and it had not been activated.but I would have to call back during the day and speak to a supervisor now I have every piece of information except the card number I have the packaging which when provided he looked up card and cancelled it or locked it but they refuse to issue me a replacement even though they know that the card I paid {$200.00} can not be used they still refuse to replace card even though I have the two store receipts and the package,. I gave them the information needed so they are not going to lose a XXXX yet they are going to steal my {$200.00} just because I didn't have the card number that he looked up in two seconds and locked the card this is plain straight out robbery this makes absolutely zero sense how can they be allowed to do this there excuse was someone may find the card ( SERIOUSLY WHAT THE CARD I GAVE THEM THE INFORMATION IN ORDER TO SHUT OFF ) this is unfare practice and plain robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This company purchased my mortgage loan recently and I have a perfect payment history. I have called on XX/XX/XXXX and spoke with XXXX who was rude and avoided my direct question whether they were a licensed third party collection agency-she finally admitted " yes '', I asked, why would SLS send a new customer a " collection notice '' and it even referenced that it was an attempt to collect a debt ... she said because they also service delinquent loans. I replied by saying my loan was NOT delinquent, and that I received my XXXX mortgage payment notice had incorrect payment amount and that it did n't reference my separate check # XXXX for an escrow shortage of {$740.00} and XXXX said that my info was wrong, there was NOT an escrow shortage ( even though I have notice from previous lender that there was so I sent the payment and check was cashed but not applied to my shortage ). I was promised a return call by XXXX a supervisor no later than XX/XX/2016. I never got a call and called their customer service number XXXX and was on hold for 16 minutes and hung up. I called back again today and same thing. I expect an immediate reply to my incorrect mortgage payment and an apology for treating a new customer so rudely and poorly. My next payment is due XXXX so urgency is appreciated.

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 2016-01-19
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on y mortgage and am getting assistance from The state of Arizona and the hardest hit fund set up by the government. All I am asking for is a current statement which they wont supply for thirty days. They plan to foreclose XX/XX/XXXX and it takes the state at least 30 days after receipt of the statement to fund the deficiency to the bank. I can not get them to send me this information and I do not have an alternate place for my wife, XXXX young children and ailing mother in law who lives with us Account number XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit card
Issue: Delinquent account

Complaint:
A credit card account went over the balance, I usually keep it high to make it gain interests, after the month 's end, the financial institution ( Banco Popular de Puerto Rico ( BBPR ) ) charged the usual monthly interest rates on the card, it goes over the credit Limit on XX/XX/XXXX, by XX/XX/XXXX XXXX I 've submitted my payment. 

Today XX/XX/XXXX I receive an alert from XXXX that there is a negative report on my XXXX XXXX Credit Report. This financial institution after making my payment on time ( which I make multiple payments a month ) is targeting me from working at a local competitor company by holding my fund on my checking account as well, but I 'm resolving that issue by moving to XXXX 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 explanation