BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: Linebarger Goggan Blair & Sampson LLP
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a NOTICE OF DEBT from Linebarger, Goggan, et al for a parking violation. This correspondence claims to collect an outstanding debt when this is the first I have heard of such a claim. I did indeed park in the said lot on the said date, however there was no attendant on duty either upon arrival or departure from this lot. I also did not observe a machine to make payment. I will gladly pay the {$5.00} flat fee which is the advertised rate for this lot and mail it directly to the XXXX ( owners of the lot ), but I refuse to pay the astronomical {$60.00} fee demanded in this letter. I have researched this law firm extensively and have uncovered hundreds of other victims of this scam. Someone please close these snakes down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: BANK OF THE WEST
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not. 
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have requested that Experian remove items from my credit report that are included in my Chapter XXXX bankruptcy ; these ( 4 ) accounts are listed separately as " negative accounts '' : XXXX ( $ XXXX- {$710.00} ) ; XXXX ; XXXX XXXX ; XXXX . I have provided copies of my Chapter XXXX Schedules XXXX several times, and separately for each of these items ( as required by Experian ). I 've also requested that Experian investigate and provide proof of a fifth " negative account '' : XXXX ( {$100.00} ), or remove it from my credit report. Experian simply refuses to do so, however, XXXX and XXXX have both removed these accounts from my credit reports.

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 non-monetary relief
Consumer complaint received 2017-02-28
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
For the 2nd time is as many years I 'm filing a complain against Ally for the same reason. I 've been billed for taxes on my leased vehicle. I called Ally and spoke to some woman in XXXX that had no idea on how to help me and told me to contact my tax professional for assistance. When I asked to speak to someone in the XXXX she said no one was available. At this point I 'm seriously considering hiring an attorney to sue Ally for harassment and if possible or incompetence. In the state of NY, taxes are included in the lease payment. I, along with most people, feel that someone legally can not be made to pay the same thing twice ( double taxes ). Last year, someone from Ally ( whom did n't even apologize ) said that it was their mistake and that the 2nd and 3rd bills went out before the correction was made to the account. So what 's the excuse now? Incompetence? Illegal business practices? Whatever the reason, I 'm not paying twice for the same thing.

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 2017-03-23
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get two to three robo-calls a day from the CBE Debt Collection Group. When I answer the phone there is no one on the line, just a prerecorded message telling me to call them. I have no one who has claimed that I owe them anything ; I have no one warning me that they are turning a debt over to a debt collector ; I have no outstanding debt ; and I am certain this is a phishing expedition or scam, and I am not going to call the CBE Group to reinforce their manipulative tactics and questionable motives. If they believe the CBE Group believes it has a claim against me they can write me a letter explaining their claim and provide documentation or they can call and talk with me directly, but I will not initiate contact with them. I want their harassing calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a homeowner who is currently recovering from a XXXX and I have been off work for the past 6 months. I received payments from earned leave and advanced leave from my employer. In XX/XX/2015, my leave reserves were depleted. I still required recovery time, and I was placed on FMLA without pay. I have been unable to pay on my Bank of America mortgage since XX/XX/2015. To date, I have missed XX/XX/2015, XX/XX/2015 and XX/XX/2015 payments. I contacted Bank of America as soon as possible to inform them of my current financial and medical status. I was informed by them to file for the Keep Your Home Program and they can offer {$3000.00} per month toward my mortgage and provide temporary assistance with some utilities as well. I applied with the Keep Your Home California program and I was conditionally approved XX/XX/2015. The KYHC program indicated in the notice that my loan servicer Bank of America must agree to a Loan Modification in order for me to get help. Bank Of America sent me a notice in XX/XX/XXXX stating that I they would be reviewing my account for the Hardest Hit program. Then on XXXX/XXXX/2015, I received a call from Bank of America and spoke to an Agent by the name of XXXX. XXXX stated to me that I have until XXXX/XXXX/2015 to pay {$7.00}, XXXX or they will be issuing a Letter of Intent to foreclose on my home. 
I know that I am behind on my mortgage, and I have been trying to return to work, and hope to return to work soon. However, I am suppose to be in a work-out stage with my loan servicer and I should not be threatened with foreclosure while I am in a work-out stage. 
Additionally, I do n't understand how they think that I can come up with {$7800.00} by XXXX/XXXX/2015 when I am currently XXXX and not working. I had to deal with Bank of America Representatives before, and I have had them laugh in the background, make fun of me, belittle me and try to shame me because of my circumstances. People like me and Homeowners like me need real help and real solutions, and we do n't need people trying to cause more heartache and problems in our lives. We are people too. I am hoping to get back to work soon so that I may be able to continue being a productive citizen in society. 
Bank of America is deliberately, willfully and intentionally trying to sabotage me and keep me from getting the help that I need so they can foreclose on my home. 
I have invested a lot of money into my home, and I want to keep my home. But Bank of America and it 's representatives are giving me the wrong information. I had XXXX from Bank of America tell me that she was giving me a number to the Hardest Hit Program, but she gave me a number to the KYHC program. When I informed her of this, she just non

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: GLA Collection Company, Inc.
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is an account from XXXX where my grandson was attending school in Mass. The housing set the students up with housing that is near impossible for a student to attend school and work a job that would earn enough to pay a {$700.00} per month rent. His rent was paid up to the time he felt he could not continue classes due to the fact he could not afford the rent. Eviction was threatened and he decided to leave school so he would not continue to run up a debt for his rent. However the housing has charged him, for a broken lease while they immediately rented to another student. Since I was the co-signer the debt now comes to me. I feel this is very unfair and possibly illegal if the housing filled the vacancy and is receiving rent while collecting from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2015 I paid {$2500.00} in one payment and my regular monthly payment is {$900.00}. The difference was intended to be principle but they placed the amount in an escrow account for insurance. The insurance was cancelled as I obtained my own and the escrow was supposed to be closed in XX/XX/XXXX and refund checks in the amount of {$180.00}. and {$910.00} we due to me. The letter stating this is attached. I have never received the checks. I called the office 3 weeks ago and they said they had to research and call me back. They never called so I called them a few days ago. The customer service person said I was n't entitled to the refund and the letter was in error. He also said the notes said if I called tell me that. I am entitled to the refunds. How can they sent a letter and then change their mind and not contact me. I would like this business audited by the Justice Department. I believe they are a crooked business and scam artists. I am a XXXX, if you do n't have time XXXX, I would be happy to assist.

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 2017-01-22
Company: ORG GC GP Buyer, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I want to file a formal complaint against GCS, LP, and I selected the loan category ( Federal student loan ), because the loan servicer/collection agent, GCS, has not been able to provide important details, like the type of loan, original loan balance, interest rate, etc. Their last representative, XXXX, has been calling me on my mobile number, which has been listed on the National Do Not Call List, since XX/XX/XXXX. She is calling me before XXXX, and the last call was on Wednesday, XX/XX/XXXX at XXXX. I assume she is calling me about a student loan that was disputed and verified by the U.S. Department of Education and XXXX University. 

In XX/XX/XXXX, the Financial Aid Dept. ( FAD ) at XXXX University awarded me a student loan to cover the cost of XXXX courses, but those funds were not distributed to me, because I earned a scholarship from the XXXX, and the FAD determined that I had received an over-award of financial aid funding, so they returned the funds to the financial institution. 

In XX/XX/XXXX, the U.S. Department of Education and XXXX University verified the over-award of financial aid and the cancellation and return of loan proceeds in a letter that I sent to XXXX ( XXXX ). At the time, XXXX was located in XXXX, XXXX XXXX is a subsidiary of XXXX, and XXXX is currently being sued. 

GCS is trying to collect on a matter that has been disputed and verified. They are also adding thousands of dollars in fees to a non-existent debt. Please do all you can to stop this madness! I have enclosed contact information for the U.S. Department of Education ( DOE ), GCS, XXXX University ( XXXX ), and XXXX ( XXXX ). 

Regards, XXXX Contact Information : ( 1 ) DOE, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( 2 ) GCS, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( 3 ) XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( 4 ) XXXX - XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.

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 2017-01-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Just read about deceptive experian/XXXX {$1.00} marketing and then charging $ $ for unwanted services. I 'm a senior citizen who they took advantage of by charging me hundred+ $ $ per month on my credit card for over a year before I realized what they were doing. I complained by phone but they were obnoxious and would not return my $ . It was XXXX of these XXXX companies but I can sure use your help getting my $ $ back. I 'm retired And told them at the time over the phone they were thieves to force a service I never enrolled for and had no use for. Please Help.

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 2015-09-30
Company: Stewart Information Services
State: CA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX 2006, I entered into a contract to buy a condo development which was under construction at The Residences XXXX. I gave a down payment of {$140000.00} which was 50 % of the purchase price. I made XXXX payments XX/XX/XXXX, 2006. All checks were made payable to Stewart Title Escrow. They were cashier 's checks XXXX. About 5 years ago I went to Stewart Title to try and get my down payment back but they would not give it to me. I am hoping that you can help me get me money back from Stewart Title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
hello, My name is XXXX XXXX. my wife and I have a mortgage with Caliber homes inc. back in XXXX under there advise started a modification with there company and since the our back payment of XXXX has turned into XXXX. partly because they took forever to yield any results. when we started this process it was to see if we could put what we owe to the back end of the loan and start fresh. My wife has a XXXX and because i used up all paid sick days to take care of her and our XXXX children. my Job was understanding about my situation i didnt lose my job but days with paid were only so many days and we went over the amount. there are few months were we were short in the paycheck. so in XXXX we tried to make good her medication was under control and she was back on track which means i was back on track but that was not concerned them since XX/XX/XXXX all we did was increase the bill to the point where its out of control and now we are in forclosure with no sale date. if feel lied to and i was mislead. i want action

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a number that calls me XXXX - XXXX times a day ( XXXX ) without leaving a voicemail as to what the matter is about. It started on Tues. XXXX XXXX, 2015 and has been non-stop since then. The call will last about half the length of time before my phone goes to voicemail so it 's impossible for me to answer. Then when I call back it is a phony English automated message. I have no idea what debt they are trying to collect. It 's starting to get really frustrating. 

I recently changed my address and received a bill in the mail for no-show from a doctor whom I never seen. I 'm wondering if that is from them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
0n X/XX/2017 I paid my local personal tax via check. One check for my husband and 1 for myself. Both checks in the amount of {$9.00}. Both checks have been cashed but my bank still has not posted them on my account. They show that they have cashed them but refuse to post to my account. It has been over two weeks that they have cashed them.

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