BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-07
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We finished a chapter XXXX bankruptcy in XXXX 2015. We fell behind in mortgage payments in XXXX because i did not have a job yet. I became employed in XXXX and contacted Shell Point mortgage servicing to start a payment plan to catch up on the past due balance and resume payments. We started discussions with them XXXX XXXX. Our initial phone call we spoke with a loss mitigation rep and talked numbers. We discussed a 12 month repayment plan and the first contact indicated we should be able to start the repayment immediately. They also said there were no fees being added each month. Our rep kept saying it needed to be approved by the investor. We sent our financial documents to them by XXXX XXXX. I have called every week. In XXXX they said we were approved for a loan modification which I said unequivocally several times we DID NOT WANT. We have the funds to catch up on payments. Every call I have asked when we can start repayment. I get a call from our rep XXXX XXXX every 2 weeks. ( I call at least once a week ) we STILL do not have a repayment plan. I believe they are trying to force us into a loan modification now. We want to wait and refinance when our credit is back to normal. We are ready to start paying them the money ... I ca n't figure out WHY they wont start the repayment plan. You would think the " investors '' have a fiduciary duty to their investors. They have to have some motive for delaying our repayment plan. With chapter XXXX we could get up and just leave. But we dont want to- we want to PAY them the amount owed. If our balance gets too large they will deny us any repayment plan or I am sure ask for the complete financial package again to delay further. This is now over 3 months .... all we want is the repayment plan! Now they are piling on fees with no explanation. The rep says there are no fees- but when I pull the loan details they are there clear as day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had an account with XXXX, XXXX. I closed the account in XXXX, and in XXXX I received a debt collection notice from a third party. After contacting the collection agency to officially dispute the debt I contacted XXXX. After speaking with multiple representatives I was informed that their policy on account closures is to -Obtain a new address -Inform the customer about the final bill -Ensure payment for the final bill amount. 

None of those steps were followed. We moved, set up USPS mail forwarding to our new address, and continued with life. 
XXXX claims they have sent XXXX bills to our old address. None of them were forwarded. The collection agency sent the collections notice to our current address. 

A XXXX representative gave me the number to their collections department, which went to a different third-party agency than the one that sent me the collections notice. 

The stance from XXXX is " We did everything wrong, can not provide you with a transcript of our conversations or a copy the recorded conversations with our representatives, so pay up. '' The collection agency does not respond to any written communication by me regarding the dispute or any resolution. I am currently seeking an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-22
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do n't have any business with Kia Motors finance or Hyundai Motors Finance XXXX. They are calling me on what is almost everyday trying to collect. I have told them repeatedly to STOP and REMOVE me, they have the wrong person. They are continuing to harass and threaten me with their bullying. This needs to STOP. they have the WRONG person and the WRONG number! disgusting what these XXXX companies can do to people

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: RGS Financial, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continuous calls every day asking for someone who does not live here. Finally told them yesterday that I am so done with their calling. Stop calling and take this number off their list. No one here by that name. 

What I think they are doing is checking who ever this is they are looking for on some type of info sheet and calling so called relatives which is harrasement. They need to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have been receiving harassing phone calls at my place of employment. The multiple callers refuse to disclose the reason for their call ; have been rude to other staff in the office ; and have been asking inappropriate and personal questions about me. This is now jeopardizing my continued employment at this firm. I have been placed on probation because of these continuous disruptive phone calls. In running a search of the phone numbers left for a call back ; I have been able to identify the company as " National Credit Adjusters , LLC '' with an address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, KS XXXX. The phone number is XXXX XXXX XXXX and the extensions vary, XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Essential Retrieval Group
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-05-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company : Citi Bank Issue : Citi Bank closed my checking account while I was signing up for the promotional bonus. Then near the promotion closing date, I got an email from Citibank to state that my Citibank Checking Offer was not fulfilled the Offer 's eligibility requirements for the following reason : Your checking account is closed and therefore not eligible for the offer. 

I would like to file a complain for unsavory business practice as Citi has purposely closed my account and has been Deceptive or at least misled me to believe that it was ok to put my money all in saving.

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
Consumer complaint received 2016-06-19
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I disputed before the amount this debt collector says I owe with a previous debt collector Please see CFPB case XXXX I 'm still waiting documentation from the original creditor. 
Then For this debt is not valid.

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 2016-07-28
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WE fell on hard times with our business, we asked flagstar to give us a lower payment, or sometime to recover, instead they kept us in a crazy loss mitigation for more than 1 year, and instead of lowering the payment, they made it almost {$1000.00}. more because they added all of the back payments, interest and late fees. 
We love our home, we are trying to get back on our feet, but now we 're 4 payments behind again, and we 're now trying to sell the home because we ca n't take the XXXX anymore, but the mortgage is now so high that I ca n't sell it for what I Owe. 
Flagstar did not help us they, are preying on us and the fear of 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 2016-10-29
Company: Hameroff Law Group, P.C.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Hameroff Law Firm, in XXXX, Arizona sued me for a debt less than XXXX dollars for collection. Before the lawsuit, they would call me at all hours of the day, leaving horrible messages and the few times I spoke to them, they left me in a state of panic. I explained the current circumstances at the time and how I could pay but they would not accept it, they wanted all the money at one time and immediately. Communication with them was absolutely terrifying and I was afraid to even answer the phone. 

Hameroff sued me, I went to the courthouse but it would cost me additional money to answer, money I did not have. I left messages to the company but they did not return my calls. 

I began working with XXXX to help restructure my debt and even they had a difficult time establishing any kind of worthwhile communication. Hammeroff, treated them the same way they were treating me. 

Eventually, they got a judgment against me and garnished my wages for close to {$300.00} dollars every two weeks - that is the equivalent of half my paycheck. 

The debt could have been paid in one payment, but rather, they penalized me with close to {$1200.00} in fees for a debt that was less than {$300.00} dollars. 

Hameroff Law Firm, made it impossible for me to reply in court, make arrangements for payment or work with me - rather it was abusive phone calls, threats and harassment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
on XXXX XXXX i paid entire balance on my capital one card and requested to close my account they are not closing my account and are charging me interest as of XXXX XXXX XXXX how do they charge interest on zero balance i called them they were not interested in cooperating with me can you please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to get my mortgage company to schedule a new appraisal so i can eliminate PMI on my loan. I followed the mortgage companies directive and sent in a signed request. It was confirmed received almost 6 weeks ago. I have spent the last 2 weeks calling every couple of days trying to get resolution on my own for an appraiser to contact me. I have been told my request has been escalated several times but i still have no resolution to this issue. i am hoping by writing to this bureau and appraisal will finally be completed so i can eliminate PMI from my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am submitting a complaint because Shellpoint continues to dual track and perform deceptive, unfair and abusive loan servicing practices and has now given me an endless runaround for 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding LLC did not contact me about the alleged debt that they placed for collection on my credit report with the XXXX credit bureaus ( XXXX, XXXX, and XXXX ). I did not receive any notice from them that would allow me to dispute the debt in question and though I have tried to contact them I've noticed recently, after reviewing my credit reports from XXXX, XXXX, and XXXX, that the address on file with each reporting agency is different. This is a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX is reporting an open account XXXX XXXX XXXX. This is not accurate. They may have acquired this fraud debt then but I have been disputing this matter since XXXX of XXXX. I was XXXX to XXXX from XXXX XXXX XXXX XXXX. Someone purchased a motorcycle in my name! I have asked repeatedly for the documents to prove I made this loan. I have NEVER received anything. The reason is because I was not in country to make this loan. I provided both the original creditor and XXXX this info. No response. I have spent more than {$100.00} sending them certified mail, no response. They are first reporting a debt that is fraud and second reporting the date of when they got the account, not the actual date the fraud took place. I do not know what else to do. Someone also opened a XXXX phone line during this time, XXXX has since taken the reporting off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Capital One Bank, despite several attempts by myself to formally place a change of address with them, has continued to issue new bank cards via mail to an old address no longer my place of residence. Despite my personally appearing at my local branch to change my address noted on my personal account, Capital One Bank recently sent via mail a new chip card for my personal checking account. My local branch manager states that this error is due to Capital One Bank card processing department. Either way, Capital One card processing and Capital One has jeopardized my personal financial identity security by releasing a new bank card to a residence I longer reside at. Their incompetence to update their data base with my new current address, which has been updated on the actual account has put me at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-

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 2016-05-30
Company: CITIBANK, N.A.
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Good afternoon, I filed for chapter XXXX bankruptcy protection in XX/XX/XXXX and included my CitiMortgage XXXX mortgage as part of my debts in that process. 
XX/XX/XXXX, nearing the end of my repayment program, CitiMortgage offered me the opportunity to be part of a loan modification program that would allow me to get back on track with payments. I successfully made the 3 trial monthly payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, signed the agreement paperwork which outlined the permanent terms for the remainder of my mortgage payments and was enrolled in the program. 
Out of the blue on XXXX my CitiMortgage discharged my mortgage and they have refused to make good on the terms set forth in our legally binding agreement of XX/XX/XXXX and with that my credit rating has further suffered due to their negligence. 
I will be happy to provide my bankruptcy attorney 's name and contact information as he too has tried to assist to no avail. 
Thank you for any help that you are able to provide.

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 2015-09-12
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
To whom it may concern : This is to let you know that I requested XXXX XXXX XXXX XXXX XXXX on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : Citibank XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

XXXX XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens of the XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from XXXX XXXX XXXX XXXX that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from XXXX XXXX XXXX Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.

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