BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: SECURITY FINANCE CORP
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Security Finance of Oklahoma is a signature finance loan company. When I found myself unable to pay, I first began getting harassing calls making me feel threatened. I then had an employee from Security Finance come to my home and threatened that they would have me put in jail if I did n't pay my bill.

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 2015-11-17
Company: WESTERN UNION COMPANY, THE
State: AL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
On, XXXX XXXX, 2015, I sent {$100.00} to XXXX XXXX who was in XXXX atthe time. He did not have the proper identification required to collect thefunds that I sent him. 
I was told by Western Union to cancel the transaction. The transactionwas successfully cancelled by Western Union on XXXX XXXX, 2015. However, Ihave yet to receive a credit on my XXXX debit card issued by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is the orginal company and they became XXXX. The collection agency now is Source Receivables MNGMN. I have disputed owing {$720.00} to the three credit reporting companies. XXXX keeps reporting " Verified and Updated ''. So, XXXX or Source Receivables just keeps repeating that the money is owed and past due. XXXX 's account services told me via a telephone call on XXXX that I did not owe any more money because I had been paying a month in advance. They also said all phone calls are recorded so I requested they listen to that XXXX phone call several times. That call would backup my claim. I was always told my request was being escalated and they would call me back in 5 to 10 business days. Never got a call back and they kept increasing the amount they said I owed. On XXXX, I paid {$390.00} for the bill due XXXX, which is the same day I was told I did not owe anything further. I had 5 devices and four were paid off and one was returned. All lease terms were completed. XXXX unlocked all phones and I was able to change to XXXX. I want my past due {$720.00} to be removed and I want to listen to that phone call along with a XXXX representative. I think they do not record all phone calls and that is why I did not hear back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Lender refuses to provide a loan history. I requested it orally multiple times, and in writing several times. They refuse to provide. As one of their excuses, they claimed they provided a statement one and a half years ago and do n't need to now. Another excuse they use is they did n't recieve the fax, though it was faxed multiple times, with confirmation, to the various numbers they provided. Each time, they say they wo n't respond to an oral request, and refer me back to the fax request process that I 've done multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX cfpb Re : Bayview Loan XXXX XXXX XXXX XXXX XXXX XXXX I have sustained unmeasurable financial and personal loss as a result of the misleading and unethical conduct of Bayview Loan Servicing. I believe I am due a substantial reduction of fees, interest, and principle as a result of the gross mishandling of my mortgage. The attached timelines chronicles the events that effected this situation, to date. I must stress it was based upon Bayview advised that I decline the original modification as the offered a principal reduction program of which my approval was " eminent ''. 
1. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( loan XXXX ). Shortly thereafter the loan servicing was assigned to Bayview Loan Servicing ( account XXXX ). 
2. XXXX XXXX, XXXX. After 22 months qualified for Home Affordable Loan Modification - Representative 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX. XXXX ). 
3. XXXX XXXX, received notice that I qualified for a new modification based upon a national mortgage settlement reducing monthly payments " up to 39 % ''. From XXXX XXXX Bayview Loan XXXX XXXX. XXXX XXXX, XXXX - received notice of approval on XXXX XXXX XXXX XXXX 5. On XXXX XXXX, XXXX as instructed by XXXX XXXX ( per the advice of his supervisor ) to decline loan modification and apply for settlement program, which I did. 
6. Over a period of a year, supplied documentation to XXXX. Each time he acknowledge and stated things were moving along well. 
7. XXXX XXXX, XXXX receive notice of Default and Intent to Accelerate from Bayview. XXXX year after being advised to decline loan modification. 
8. With the assistance of XXXX XXXX international ( client XXXX ), Representative XXXX XXXX XXXX Bayview re-opened modification program application. I was under the assumption it was the same program XXXX proposed, assigned to XXXX XXXX at Bayview ( who has been most helpful ) XXXX. 
9. XXXX/XXXX/XXXX Approved for loan modific ation ( not from settlement ) program with a massive balloon payment of {$310000.00} but a lowered interest rate. Far from the 39 % reduction I was lead to believe. Representative XXXX XXXX XXXX x XXXX. 
10. XXXX/XXXX/XXXX XXXX XXXX informed me they do not offer settlement reduction modifications. I said I had a copy of the proposal, which I forwarded to him ( attached ). 
Please note if I proceeded with the original modification, rather being instructed by Bayview to reject it, I would have been making payments over the past 23 months, there would not be an extreme past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was shopping for an investment property mortgage refinancing and XXXX XXXX XXXX ( XXXX ID XXXX ) from Wells Fargo, XXXX XXXX, Iowa was helping me. He quoted me an interest rate of 3.5 % with a 3.679 % APR. He also stated my credit score was XXXX. My credit score is around XXXX from the XXXX credit bureaus. In addition, XXXX stated the appraisal fee would be {$470.00}. When XXXX e-mail me the loan paperwork, the interest rate is 4 % and there is a whopping {$8000.00} closing costs for the loan. The appraisal fee also changed to {$720.00}. I called XXXX and e-mailed XXXX asking why. He never returned my calls or respond to my e-mails. This is deceptive advertising on behalf of XXXX and Wells Fargo. I do n't know how many more consumers are being ripped off from people like XXXX and Wells Fargo if they do n't read their paperwork. Something should be done about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I have reported my card stolen XXXX different times now. Every time this causes me to open a new credit account. I 've told the bank and XXXX that the reason I keep reporting it stolen is because XXXX keeps getting access to my new card. Visa is providing them this. I told XXXX to stop getting my new card number, and they have refused. They also refuse to let me cancel except in person or by mail which I can not do.

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 2015-11-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to my local credit union and applied for a checking account. I was denied for a traditional checking account and was offered a XXXX chance checking account. Once you have had the checking account active for 12 months you can request a review to be considered for a regular checking account. Coming up XX/XX/XXXX will be 12 months that I have had the account open. I was advised by the bank rep that it came up in their system that I owe Wells Fargo and that they submitted information to XXXX that shows I mismanaged an account with them. The concern is that if I mismanaged an account with them. Then why would they allow me to open another account with them after reporting this information. Basicly its telling other banks not to do business with me, but it 's ok for me to do business with them after they have reported this negative information. They are also reporting a balance after I paid the account off in 2014. The information they are reporting remains in XXXX for 7 years and will limit you from obtaining a standard checking account instead of a second chance checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2011 I was in foreclosure with Wells Fargo my mortgage holder. I paid {$9600.00} to bring my mortgage current. I continued to make payments ( even paid more ) and my mortgage was not taken out of foreclosure until XXXX of 2011. Since this time they have reported my account as two months delinquent. They admitted they also misapplied {$300.00} of my payment which also makes my payment short and not counted as a full payment. Wells Fargo did credit my account the {$300.00} but will not fix the extenuating issue of my loan being reported as delinquent and late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Northstar Location Services, LLC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.

Company response to consumer: Closed
Consumer complaint received 2017-01-24
Company: Monterey Financial Services LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a same-as-cash 12 month payment plan From a XXXX. This was later transferred to Monterey Financial Services, LLC. My loan was paid in full in XXXX 2017 ; however? Monterey continues to collect payment through the automatic debit I gave set-up. They do not respond to phone calls and website is completely bogus. I am Unable to log in to my account and unable to re-set password etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.

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 2015-06-23
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to explain to the SLS Mortgage company that I do not need to pay escrow on my mortgage payment. I pay my insurance separately and my home is tax exempt as a " parsonage '' to the church. So I simply started paying my mortgage payment minus the escrow amount. So now this company consistently takes the escrow out of my mortgage payment anyway which is causing my payment to show up as late or a " partial '' pmt. Yet the escrow balance is very high!! From the very beginning I have been trying to get someone to listen to me and understand my situation buy NO ONE will!! They asked me to send a written request to remove the escrow payment with proof of the above situation, which I did, but then they refused me and will not do as I ask and turned down my request with a totally unsubstantiated reason for doing so! This has caused my credit rating to be greatly reduced and now I am not even able to try and re-finance my home with a different company because they have ruined my credit rating unnecessarily!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Monterey Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX Complaint Department Monterey Collections XXXX XXXX, CA XXXX I am writing to dispute the following information that your company provided to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This item regarding the said debt owed for {$370.00} is inaccurate because this debt was filed in my Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX. I am requesting that Monterey Collections have the item ( s ) removed to correct the information. 

Enclosed are copies of XXXX XXXX XXXX, Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete and correct the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX Enclosures : 1. XXXX XXXX XXXX - Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX XXXX. Collection Letter from Monterey Collections dated XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Northstar Location Services, LLC
State: MD
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:
My business sold XX/XX/XXXX XXXX continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form XXXX on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to XXXX on XX/XX/XXXX. XXXX XXXX then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.XXXX would not send a copy. They have now turned this over to a collection agency XXXX

Company response to consumer: Closed
Consumer complaint received 2016-05-04
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had no knowledge of this account, I never sign up for preferred credit, I try calling them to dispute this but they wont help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: AMERICAN HONDA FINANCE CORP
State: SD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My lease was up on my Honda Accord. I took the car back to the dealership where I was told that I had thirty days to get an inspection and return it. On the tenth day I received a bill for a payment, lease extension and late fees, Called number on the bill and they said know the dealership has to take the car, XXXX, whom I spoke with said she would call the dealership so they would take it and take final bill to them. Now I keep getting bills and no one seems to know anything. Bill just keeps coming. Tried to file complaints at dealership and they said they do n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Hewitt-Capital
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This company has called me from a block phone number twice yesterday and to my mother home phone leaving a name and phone number only, when I called back a lady named XXXX answered the phone and said someone would have to be at home for paperwork to be delivered there and that person must show legal id and also called a reference and left the same message while still calling from a blocked phone number. I called back to the phone nimber listed lady name XXXX answered the phone amd said the company name is XXXX.When I asked for XXXX to transfer me the phone when to a guy that would give me a phone number to call nor address and told me he was calling from XXXX.when I tried to look up these companies online did n't give me any information and the phone number they called from I could n't get answer back after I called and left voicemails. I called today to company that I had the debt with XXXX they gave me the phone number to debt management partners then when I called them I got the phone number to Hewitt capital and a young lady named XXXX told me the account was locked and she would n't answer any questions nor traffer me to anyone she got my contact information and no one has called back yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looks like a zombie debt purchase. They are trying to collect for a subscription to a water service which we did not have, and certainly did not authorize at the time of the collection date. I requested proof of debt, I've never received it because the debt is older than what they state it is. I disputed the debt a long time ago ; they just rubber stamped it as valid without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
We got a letter today saying they will take money out of our bank account, but the money was taken out 2 weeks ago, without notifications. We have dealt with this company before, bad practices! They have taken over $ XXXX over the years and have not got a XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collector is attempting to re-age a XX/XX/XXXX debt by reporting to credit bureaus that it was opened in XXXX XXXX and to make matters worse reporting that the account went into default in XXXX XXXX, moreover they also claim that the first date of delinquency occurred XXXX XXXX. The the payday loan was originated in XX/XX/XXXX but XXXX solutions has re-aged the account and has confirmed the above dates to all XXXX credit bureaus. They have also claimed that they just found me in XX/XX/XXXX XXXX solutions is in clear violations of FDCPA. I have contacted all XXXX Credit bureaus regarding this matter and XXXX and XXXX and they have failed to abide by the policy in place to prohibit such reporting. I would like this erroneous item to be removed by both bureaus. I have went through the steps of contacting the bureaus but they have just taken the word of the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Cash advance fee

Complaint:
Wells fargo Visa card and checking account - demanded over numerous years that all overdraft protection be removed and was assured it was not. each time I overdrafted it, it took from my credit card, allowing me to continue using my debit with no clue I had a XXXX balance. what should have been a one time fee and my card decline on the next purchase turned into multiple " lower fees meant to save me money and help me continue shopping ''. these added up to far more than the one time fee. sure enough, happened again. only this time, the overdraft fee turned into a fee hitting me from the checking account AND credit card side multiple times, then hitting me with cash advance fees. A soda , drive thru and gum purchased totalled all of XXXX bucks, which has now cost me XXXX and climbing as the cash advance fees rack up. apparently, they stick the cash advance debt behind your running balance, preventing you from ever freeing yourself. three separate times now I have called and been assured it was removed.

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