BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Wakefield and associates is listed on my all XXXX of my credit reports twice. I mailed a letter to them to verify the debt and I have not received anything in return. I mailed the letter about two months ago. The credit report says its from the medical center. I did n't go to the medical center during the time frame that listed. I need to see some type of verification to make sure this debt is mine. I have called this collection a few times also but cant get in touch with anyone.

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 2015-11-06
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my home loan was foreclosed on XX/XX/XXXX with Ocwen loan, but my Ocwen loan XXXX is showing on my credit as late payments of 120 days. the loan company continued to put late payments until XX/XX/XXXX. I contacted the company of the issue and was told the loan was XXXX out on XX/XX/XXXX and will receive a statement in 2 to 6 months. I was not allowed to fix the problem

Company response to consumer: Closed
Consumer complaint received 2016-05-14
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX XXXX when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First The Government, toke my taxes returns, in XX/XX/XXXX and paid the debt that I did owe off, Now I am receiving a letters from Company call Transworld Inc to my home address from a third party linking my information out such as my home address Name Credit information. This company is asking for more money off the debt I paid off and with an XXXX dollar more interest on the amount I paid in XX/XX/XXXX, saying its from Interest. The company I owed a debt too was paid off in XX/XX/XXXX. Currently showing close and paid. Now a Transworld Systems Inc is trying to get more money out of me. This is crazy I changed job and my information was stolen from my current job, We all received a letter telling us our identity has been stolen. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Monterey Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have a fraudulent account and inquiries listed on my Equifax credit report. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have behind on my mortgage due to lost my job and my wife got XXXX. It had been more than 8 month long for me and I finally come to solutions that need to short sale my house. We submitted the request and lender SLS did not accept it and they said not enough time and even though my realtor called they said they dont have any other options to me other than foreclosure. They keep misleading information by submit the package before 21 days and 15 days and then they said they need 30-60 days to review. Sorry they have to foreclosure my house. I want them to help the struggles family like me to find solutions than foreclosure.

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 2017-03-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 2015-07-01
Company: Pinnacle Credit Services, LLC
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:
Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all parties1. Pinnacle is not the original creditor. 
2. Pinnacle is reporting as an original creditor on more than one of the credit bureaus ( FCRA Violation ) 3. As they are reporting to all 3 bureaus, this debt will continue reporting until XXXX XXXX. XXXX, XXXX statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX XXXX XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) 4. A debt buyer hired by Pinnacle XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
5. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
6. Received a letter stating XXXX was closing the case and information submitted back to Pinnacle. 
7. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
8. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Exeter Finance Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Exeter finance has continually misled to me and admitted their mistakes on a recorded line. They sold me a loan and lied to me how much interest I was paying and how it was accruing.In addition their collection activities have been harassing at work and they have not complied with Georgia rules and given me enough notice XXXX is my account number I have spoken with XXXX and XXXX at their company and they give a list of excuses. They stated and admitted they have made mistakes in their verbal conversations and are constantly not meeting compliance on my account on verbal recorded lines. I am requesting the interest rate I was advised by Exeter upon the receipt of the initial loan 19.71 percent is what I have and I am requesting it to be the 10 percent I was advised. They are sloppy in their training of employees and they are not advising me correct information as when my vehicle is for assignment and notices given. They have distorted truth and admitted to their mistakes verbally but have n't cured them. I was told it was an installment loan annual interest accrued. Instead they gave me an vehicle loan of interest calculating the loan. Their notices after making a payment were not compliant with Georgia on the XXXX day. I made a payment and was told verbally that would negate the notice. Now they are saying after given the money they do n't have to meet compliance. I was never explained the terms of my loan and now I am stuck with this interest rate. Exeter finance never explained the loan to me and has misled me since inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Exeter Finance Corp.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been with Exeter Finance for about XXXX years now and they have been told over a year ago, not to call my work place. They were compliant until XXXX XXXX when I got a call on my phone at work from them. I have the call in my call log at work and if need be I can see if I can get a print out from the main computer that hosts our phones. This is a violation of my rights as a consumer and something needs to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Pinnacle Credit Services, LLC
State: AL
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:
this debt was included in my chapter XXXX case in XXXX, after my case was completed in XXXX XXXX decided to turn this account over to a collection agent in the amount of XXXX it is listed on my credit report status as in collection, I have called XXXX XXXX on numerous time about this account no result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Medical Business Bureau
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've requested MBB to provide validation of debt and they do n't. All they 've sent me are the account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Exeter Finance Corp.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
got me on a computer calling machine after I talk to a representative off this company they continue to call me XXXX times a day, I have already made payments for automatic withdraw from my checking account, and they still harass me, I also told them not to call me on the XXXX and yet I recieved XXXX calls today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint because Equifax has ignored my 2nd WRITTEN DISPUTE REQUEST to provide me with physical proof of the original creditor documents or credit application that bears my signature as proof of a promise to pay agreement that their company has on file that was used to verify the inaccurate account I disputed. Being that they have gone past the 30 - 45 days ' mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly DELETE all information which can not be verified '' that I have disputed. Please help me resolve this important matter as soon as possible. Thank You Kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage which was originally with XXXX. I 've been working with them since XXXX XXXX to complete a deed in lieu process, which was recently approved with a {$6400.00} incentive due to me. I was advised by the representative at XXXX that they would draft the final papers for me to sign and the new servicing company would take it from there. The servicing of the loan was sold to Bayview Loan Servicing , LLC on XXXX/XXXX/XXXX. Given the urgency, I have been following up regularly with my representative at Bayview, to no avail. It seems as if they are purposely delaying the process by not returning my calls in a timely manner or following up with the necessary parties to complete this deed in lieu, which has already been approved. The house has already been taken over by XXXX, yet I continue being billed for water, etc. Time is of the essence and I 'm being put in a stressful position, because of the risk of foreclosure. I need someone to help intercede, given the sensitive and urgent nature of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
i have tried calling emailing no response. i want to know why i was charged XXXX cents interest aand a payment was returned on card ending XXXX. i am not paying interest. i am not arguign about its validity just questioning why i paid it in full. cusotmer here 30 years and still get scripts. bottom line calling in you cant understand the person from XXXX and i dont have time to waste. i was told " its only XXXX cents '' well why? i know you will not refund interest and i cant use the card as a result since if i could pay in full i would. and loyalty means after 30 years it could be refunded. since not i cant use the card need no card agreement tell me why payment was returned. again i called and emailed no response. 
When you can be loyal to me i can then use the card until then i stick with banks that are loyal and dont care about interest because they know they make more when i use the card and lose more on bad customers. also no need to remind me how much has been credited. without credits for interest i cant use the card no more how valid it is. plerase dont retalaite. i am so sad how i am treated here. all the scripts all the lack of XXXX and all the problems

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Credit Karma, LLC
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Someone in Georgia stole my identity, opened fraudulent accounts, and started a Credit Karma account using my old name and social security number etc after my wallet had been stolen. I have finally gotten all three credit bureaus to report only correct information with the help of a lawyer. I contacted Credit Karma to take over the fraudulent account and had to send in proof of my identity. Now Credit Karma refuses to remove erroneous information even after I have paper copies of all XXXX credit reports and none of the false information is listed there. I want Credit Karma to close my account permanently. They allowed a scammer to open up an account in my name and now refuse to correct my information even after I sent them my documents, which is protected under the Fair Credit Reporting Act. I want them to close my account permanently so that nobody else can do this to me. They are perpetuating a crime against me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The federal student loan interest rate is too high for borrowers, which does not provide incentive for Americans to pursue a higher education or enable them to save for their future. Moreover, if a borrower consolidates their federal loans, the interest rate becomes fixed for the life of the loan, locking in the borrower for years of repayment with high interest. This discourages Americans from pursuing higher education opportunities and does not enable borrowers to pay back loans in a reasonable time frame. High interest rates do not allow Americans to pay back their loans in time to save for their future through investing in a home, retirement or saving for their children 's education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing this complaint on behalf of my clients. XXXX XXXX of XXXX XXXX XXXX XXXX, New Jersey XXXX. They are from XXXX and speak a limited amount of XXXX. The clients retired and could not longer maintain the mortgage. Clients stated they attempted to sell the property but the market during that time was too low and they were unable to get their asking price. 
Clients state they asked for a short sale, but was never provided information on a modification or any retention programs offer. 
When they came to XXXX, they had received some terrible advise. They had filed bankruptcy, and had limited amount of savings. 
Once I investigated the information provided and back tracked to Penny Mac, what they did do to attempted to do to assist the clients I found the following : They were sent to a translator that only spoke XXXX as a second language, They were never provided information to obtain a modification, forbearance or mediation in a timely fashion. 
The attempts I have made to assist them has been met with phantom phone numbers to attorney 's and letter send after the fact. I spoke with Penney Mac to attempt some relocation funds in XXXX. The sent a letter when we clearly stated they would be out of the country to attend, to an ailing mother. So the offer expired prior to their return. 
The Client has been issued a eviction but was not Offered any assistance they could use in a timely fashion. 
I believe they are not acting in a fair business manner as it relates to these clients. I have tried to contact agencies in their area, the attorney XXXX XXXX and leave messages with no answer. 


Thank you for any assistance you may be able to provide to XXXX XXXX and spouse. 

XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have my system set up at Suntrust bank to send me text messages when my accounts get below a certain amount. This way, I can transfer money before XXXX and cover any shortage. This past month has been a joke. I never received a message that my account was overdrawn until the next morning, along with their customary {$38.00} overdraft fee.One was even for {$3.00} overdrawn. There were ACH payments as best I understand and do not show up as " Pending '' and are processed during the night, allowing a person NO time to react. The payments were rejected my account was charged overdrafts which really were not as they were not paid just rejected. Then 7 days later the same exact thing. It is outrageous that they can charge you {$38.00} for not paying something. It also does no good to set up a text message if you run an electronic transaction generated by a XXXX party during the night time hours, reject it electronically and not give you the opportunity to cover the shortage. The system they have set up is stacked against those that do not have large sums of money available to keep in various accounts. Electronic ACH transactions carry NO real cost to operate other than electricity, as the Computer systems are already a part of the business operations. So we are charged {$38.00} for an overdraft that never really occurs as the payment is rejected..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief