BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We closed on our house in XX/XX/XXXX and property taxes for that year were collected at closing. The original servicer/lender ( XXXX XXXX  ), per our closing agent cashed the check for the XX/XX/XXXX property taxes on XX/XX/XXXX. Our loan was subsequently service released a few months later to LoanCare, whom is now our current mortgage servicer. We received a delinquent XX/XX/XXXX property tax notice early XX/XX/XXXX of this year. We proceeded to email LoanCare on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no return response. It appears per looking at our payment history that LoanCare disbursed payment in the amount of {$2500.00} to satisfy the delinquent XX/XX/XXXX property taxes, which the funds were previously sent and cashed by the original servicer back on XX/XX/XXXX. Essentially we have paid the XX/XX/XXXX property taxes twice with the advancement of payment by LoanCare. We had the understanding that as our current mortgage servicer, LoanCare would contact the original servicer on our behalf to resolve the matter. However, LoanCare just proceeded to advance payment, thus causing us to have a severely negative escrow balance. Our monthly mortgage payment will increase significantly when the next escrow analysis is performed. Please provide any assistance that you can.

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 2017-03-25
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i went on a 7 month deployment XX/XX/2016 my car was left in the care of someone while my wife left the state they left it in a parking garage and someone stole the wheels from the car. i reported the car stolen in XX/XX/XXXX or XX/XX/XXXX because it was not parked where it was said it was parked. they found the car in XX/XX/XXXX it was stored in the insurance lot from XX/XX/XXXX until XX/XX/XXXX when it was placed in the lot all that was said was wrong was the wheels had been stolen. my wife had contacted XXXX and they stated it was just the wheels we paid {$400.00} dollars to get the car towed to a collision center. while at the collision center they told us that the car was totaled they would not work on the car due to the interior was ruined with mold all over the interior including all electronics. we tried to get XXXX to send another adjuster to look at the car and they refused to send someone out to look at the car. XXXX only gave us money for the wheels and closed the claim. the car was sitting in the collision center for 3 months before everything was said and done with the insurance claim with a storage fee of {$95.00} a day. i had no option but to have navy federal reposes the car because i could not afford to repair the car myself and get it out of storage. the car has since been repossessed and sold. i had to get another car loan through a car agency. and tried to refinance the car i no longer had to lower the payments so i did n't have to make 2 car payments of {$400.00} a piece for a car that i no longer have. i was denied the refinance of the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Convergent Resources, Inc.
State: FL
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 received a letter from convergent XXXX about a collection debt of {$3500.00}. They say the original creditor was XXXX.client account number XXXX.I do not know who these people are and I do not have any outstanding balance with any company such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Old medical bills waited over year too contact Me now insurance wo n't pay also figure different on credit report from calling in

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 2018-11-30
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
we have a closed case with this company already however upon checking there was a Loan Renewal dated XX/XX/2018 I did NOT Authorize & it is pending for {$650.00} and starts XX/XX/2018 now i spoke briefly with Company on XX/XX/XXXX phone call & asked about the loan they stated they rec Complaint & had stopped ACH withdraws from my account but THEN stated I still OWED them XXXX come XX/XX/2018 there better not be any withdraws from my account as they stated they stopped it Loan Application Application Number : XXXX Loan Type : Renewal Loan Status : Pending Application Application Date : XX/XX/2018 XXXX Loan Amount : {$650.00} Total Amount Due : {$0.00} Due Date : XX/XX/2018 this is from there website and that is under My name & Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE XXXX. XXXX XXXX. {$46.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received Alert for my credit bureau alerts stating I have an open account and failed to pay to XXXX. I closed my account with XXXX and due to previous collection tactics I was told to deal straight with XXXX phone serivce due to previous problems with collection shrewed tatics, threating court ect. I have been in communications with XXXX XXXX paying the last balance of my account which is XXXX. I 'm was confused when I received an alert from my credit montntoring agency that states that Convergent Collections indicates that they have been attempting to collect a debt in which I never received correspondent especially since I have been dealing with XXXX and paying by check. In order to report to the credit bureaus of XXXX, they must show that they have been in contact with my debt in an extensive time, I fails to make any attempt to pay my debt, which is crazy cause i have a check for last months agreement of XXXX cashed out by XXXX. I have no written correspondence from Convergent or any contact with any rep, or even a written correspondence to dispute any amount. Under fair credit reporting jaw can you submit to XXXX Credit bureau without any documentation, phone call or any correspondence and then report on my credit without any written correspondence. Under fair credit reporting is is unjustifiable, especially since I was and have paid a whole XXXX balance and have been speaking to XXXX even when they reported this to XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing numerous accounts that has been reported on my credit profile for awhile now. None of these corporations has been able to verify nor validate these accounts to me but somehow Experian stated that they have been verified and validated ; which is not true which is a violation of the FDCPA providing false and misrepresentation of information. They sent me a letter dated XX/XX/2017 stating that they will not reinvestigate the information but has failed to send me any documentation to verify and validate these accounts and has continued to report this information on my credit profile which is another violation of FDCPA. I have never given Experian the authority to report my personal private information which is IDENTITY THEFT.

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 2016-02-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This reverts back to a complaint from XXXX XXXX Case number : XXXX related to the settlement from a law suit with the federal government giving us up to a 41 % principle reduction Modification opportunity in which XXXX explained where the income they used to process our Modification of XXXX XXXX, that income information was provided by us back in XXXX. Since then my wife was forced to changed jobs as I was and our income was negatively impacted plus, the Social Security income they used was inaccurate by over a thousand dollars too high. This income for the XXXX 41 % principle reduction Modification was not provided by us in XXXX it was transferred from a XXXX Modification we had applied for. The reason we did not respond back to CFPB when we received XXXX 's response was, XXXX told us they would consider us for that 41 % principle reduction opportunity. We then started sending the required documentation and were at the final piece of documentation necessary to complete the package for review when XXXX sold our loan to Shell Point servicing a division of New Penn Financial, LLC effective XXXX/XXXX/XXXX. When we received that notice we attempted to get that final documentation sent to XXXX XXXX at XXXX, 3 times with no response from him or XXXX. Then on XXXX/XXXX/XXXX there is a Notice of Trustee Sale filed against our home at the XXXX XXXX XXXX XXXX Office with a scheduled sale date of XXXX/XXXX/XXXX by XXXX with the recorded copy mailed to XXXX XXXX in XXXX XXXX. Since the mortgage has been sold I have attempted to reach XXXX XXXX on XXXX different occasions with no call backs. ( I got the contact number on my own from searching on line! ) I have not gotten anything in the mail from them. On my first call I did get the loan number ( XXXX ) and I was told there is a sale date of XXXX/XXXX/XXXX in the file and that the loan was discharged in Bankruptcy, from the person answering/directing the calls, which is not true ... ..Only my wife filed Bankruptcy ... ..I did not file, she had personal financial issues she needed to resolve. We have not received a denial letter related to the Modification with XXXX, that was almost completed or anything except a Notice of Trustee Sale. We want to save our home and that 41 % Principle Reduction opportunity gave us that chance and now appears gone as is our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Other

Complaint:
On XX/XX/2016 I purchased an airplane ticket for the amount of {$1900.00} with my CapitalOne credit card. In XX/XX/2016, I disputed {$500.00}, but the amount actually debited back to the merchant was {$1900.00}. The merchant contacted me immediately, and I explained that this should not happen, but they did send me a copy of the invoice sent from CapitalOne, which shows {$1900.00}. I asked the credit card company multiple times to tell me what it was debited to the merchant and how it can be resolved, but they were not willing to provide me with the actual information. After the merchant threatened to report this to collection company, because the case was resolved in my behalf for the amount of {$1900.00}, I paid the merchant again the amount of {$1900.00}. I asked multiple times CapitalOne to credit me the remaining of the amount of which they debited the merchant {$1400.00} ( {$1900.00} - {$500.00} ), but they refuse to do that. I am losing faith in receiving this amount ( {$1400.00} ), and that is why I am turning to the Consumer Financial Protection Bureau. After contacting the CFPB, the bank returned my money, just to bill me again on XX/XX/XXXX for the same amount with a pretext that I did not provide them with sufficient evidence to receive that return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CURRENT DUE DATE : Your current due date is XX/XX/2023 PAYMENT FREQUENCY Biweekly START DATE CRITERIA In order to set up bi-weekly automatic payments the loan must be paid ahead by 1 month at this time. If your account is paid ahead 1 month you will need to select a Draft Start Date that will ensure a full payment ( 2 bi-weekly draft installments ) is received prior to the next due date and allows the account to continue to be contractually paid 1 month ahead. 

PAYMENT DATE Please select a draft day of the week ( XXXX ) that is most convenient for you. The day of the week selected will remain the draft day for the duration of the ACH enrollment. Your payment will be drafted on this day every other week. XXXX half of the monthly payment amount will be withdrawn every other week. In a years time, 26 voluntary drafts will be made. Every month, each draft will remain in the suspense account unless/until the funds available in the suspense account reach the amount required to satisfy a full monthly payment, at which time the funds will be applied to the account in accordance with the terms of the loan documents and/or other direction, as provided. 

Please Note : Every XXXX draft will be applied as a principal reduction. 


Wednesday MONTHLY PAYMENT : The current contractual payment amount is {$2100.00} Please Note : All drafts will include principal, interest, applicable tax, insurance, and any additional funds you may designate for payment of principal and/ or escrow. 

ADDITIONAL PRINCIPAL I would like additional funds deducted and applied to PRINCIPAL monthly. 
Please deduct an additional {$100.00} per month, {$50.00} biweekly. 
ADDITIONAL ESCROW I would like additional funds deducted and applied to ESCROW monthly. 
Please deduct an additional XXXX  per month TOTAL MONTHLY PAYMENT Your total monthly payment is {$2200.00}. 
Your biweekly draft is {$1100.00}. 
DRAFT START DATE The draft start date must be on a day of the week selected for drafting, and more than 15 days from today. ( e.g., If the selected draft day is Thursday then the start date must be on a Thursday more than 15 days from today ) Select a new date that will comply with the start date criteria. 
Above is the error message received from XXXX XXXX XXXX 

XXXX IS NOT ALLOWING THE ACCOUNT TO SET UP BI WEEKLY PAYMENTS AFTER MAKING XX/XX/XXXX PAYMENT AS REQUESTED BY THE XXXX. 
AT THIS POINT THEY ARE NOW REQUESTING THAT THE PAYMENT FOR XX/XX/2023 BE MADE BEFORE THE ACCOUNT CAN BE SETUP FOR A BI WEEKLY 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 2016-02-27
Company: Convergent Resources, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent Outsourcing did not have a permissible purpose when it made an inquiry of my XXXX credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Convergent Outsourcing explain why it accessed my sensitive financial information and to provide any documents to support their reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a statement in the mail from CMRE Financial Services saying that I was in collections for a balance of XXXX for XXXX XXXX XXXX XXXX XXXX a place I have never been ). I recently did have imaging done, but I called both facilities/doctors that ordered and administered my appointments and imaging and XXXX said that I had no outstanding bills. I looked up XXXX XXXX XXXX XXXX and their phones just ring until you get a recording that specifically mentions if you have a billing question to call a certain number, that number also just rings and rings. The letter from CMRE states that have tried to collect this outstanding balance multiple times, yet I have never once received a bill. I do not know what to do at this point, because I do not owe anyone money, but these people are falsely stating that I do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent Outsourcing, particularly XXXX XXXX, continue to call my job, harassing secretaries and anyone else who will answer the phone. She constantly leaves messages with my coworkers informing them of the debt and often leaves the company 's name, phone number, and a reference number. I have repeatedly asked her not to contact me at work as this jeopardizes my employment and is in clear violation of the FDCPA. 

I have also sent a written cease of communication notice that she claims she never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DESIGNED RECEIVABLE XXXX is reporting on my credit file. This account is not mine. I was a victim of Identity Theft. I have provided an Identity Theft Complaint and Affidavit and Police Report to the agency and still have not gotten this account resolved and deleted off my credit file. I have also disputed this with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Convergent Resources, Inc.
State: MI
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:
I have received multiple letters in the mail over the last several years for a debt that was discharged in bankruptcy in XXXX. I believe I received a letter in XXXX, XXXX, and again, today. After each letter, I called the collection agency to advise the debt was discharged in bankruptcy, and even offered to provide a copy of the signed entry of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Convergent Resources, Inc.
State: CA
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:
I did not owe this amount, the Convergent agency lied on the report to say the account was opened on XXXX XXXX 2015. There is no balance on this account and I have requested this entry to be removed from my credit report with them several times including call on XXXX XXXX and then again on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company constantly calls my cell phone sometime 2 times a day. They use the call back number of XXXX and XXXX.They leave no message on the answering service. on the XXXX number 11 times since XX/XX/2013. on the XXXX number at least 15 times and the XXXX number 5 times.I do not want to receive any further phone calls on my cell phone.They have called after XXXX and before XXXX violating fcra regulations

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 2016-12-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Our firm, XXXX XXXX , XXXX has sent to Synchrony Bank, d/b/a Old Navy Visa, on behalf of our client, the appropriate Cease and Desist letter and POA. 

The bank has confirmed receipt of the POA and CAD letter on XXXX XXXX, 2016 and continue to contact our client up to 7 times a day, since XXXX 2016 to current.

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 2017-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Although XXXX states the debt is not mine, collection agencies are showing up on my credit report. This has been disputed and resolved with removal from credit reports, two years ago. Now it 's a different collection agency, disputes were filed again, XXXX has dropped it, but Experian claims it was investigated and the debt belongs to me. Experience DID NOT do any investigation!

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