BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: PREFERRED CREDIT INC
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX in XX/XX/2016, we made payments for a few months. In XXXX and XXXX we had some financial trouble and fell behind. We picked back up and made payments over what we owed to get out of " collections '' even though they were still accepting our payments. In XXXX the finance company called my work phone, I explained that I can not take calls at work and asked them very firmly never to call my desk again. This month we are short due to me having to take time off of work for health issues. the payment came out this morning and they called my desk phone again! I may lose my job because of this and it is a huge violation since I have asked them previously to take that number off of my file they CAN NOT call it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Medical Data Systems has placed an account on my credit report. I have disputed this account with them several times to try and verify if the account is mine. I have requested that they send me a copy of the ORIGINAL contract with my signature and personal information verifying this account. They have never sent that information. This is also a Medical account so my medical/personal information was shared without my consent which is a violation of the XXXX policy. I have made them aware of that as well.

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 2015-04-08
Company: CarMax, Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I went to Carmax XXXX XXXX XXXX, XXXX, IN XXXX on XXXX XXXX, 2014 to possibly trade in and purchase a car, I did not buy that day. I went back with a friend on XXXX XXXX, 2014 and decided to purchase. XXXX XXXX, 2014 I wet back and exchanged the car, already financed through XXXXSince then I have checked my credit and it was highly damaged from this purchase, Carmax went to XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX pulled my credit XXXX times on XXXX XXXX, 2014, XXXX times on XXXX XXXX, 2014 and XXXX more time on XXXX XXXX, 2014 when I exchanged the car. XXXX agreed to finance me right away and they only pulled my credit XXXX time. 
Not only is this unethical and seriously damaging my credit, XXXX XXXX refuses to remove all these " hard '' inquiries. These are all listed separately not as XXXX, because of this it is counting as XXXX hard inquiries, destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a Honda Accord in 2012 at the Honda of XXXX in Ohio. I was sent an advertisement for a XXXX percent interest rate and thought I 'd take advantage of the opportunity. Once I arrived at the dealership and consulted with XXXX XXXX, she informed me that not only did I not qualify for the XXXX percent interest rate but I also had the option of only XXXX car at a higher interest rate, around five percent. I thought this was odd because my credit score was XXXX at the time but with her pushy tactics, I felt forced into the deal. She told me that I did not qualify for the XXXX percent rate but there was another program I qualified for that included higher rates. Last year, I went to another dealership, Honda of XXXX in Ohio, to trade my car in and I was told about restrictions against a trade-in deal. I found out that the Honda of XXXX dealership overcharged me for the car and I was responsible for excess charges. The salesman at the Honda of XXXX also informed me that Honda of XXXX was known for schemes such as the one I am now entangled in. With the recent lawsuit filed against Honda concerning discrimination, my situation aligns with the trouble I have been and still am experiencing. It was as if Honda drew me in just to take advantage of me. I am a middle aged black man.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Adler Wallach & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX in full. I made XXXX payments : XX/XX/XXXX and XX/XX/XXXX. Each payment was in the amount of {$190.00} to cover the outstanding balance of {$390.00}. Also, I received a letter from XXXX dated XX/XX/XXXX acknowledging payment. This balance had already gone to AWA Collections. AWA has continued to negatively hit my credit report after XXXX was paid in full. I have contacted both parties and provided proof, but neither will remove from my credit report stating I still owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: STATE FARM BANK, FSB
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I allowed XXXX friends to have their tax refund direct deposited in my account as they had no account. The IRS allows XXXX to an account. They were received and given to the individuals. Then State Farm Bank decided to close my account which still had a balance of a little over {$1600.00} claiming they suspected fraud. I called and verified my information and the still decided to close the account. How do I get my money from State Farm Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from MEDICAL DATA SYSTEMS INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MEDICAL DATA SYSTEMS INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2016-09-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Several Months ago I filed for a home loan modification. The company SLS has our mortgage, they are somewhat new to us. I have taken the liberty multiple times of sending in every document they requested of us. I spoke to our representative XXXX, just before the XXXX XXXX holiday. XXXX assured me since I have submitted the same docs over and over they had everything they need to put our case under review. I have not worked since XX/XX/XXXX2016. I look in our mailbox today receiving a packet stating they could not review any of the modification options because we did not send in all of the documents they requested. What I found out is, if the documents are not sent in full each time they request a certain document ( s ), our documents are not saved in their system in a file assigned to us, and they are losing sensitive data with all of our personal information disclosed. I am out of options and tired of repeating my efforts for the fifth or sixth time I need someone to intervene!!! My name is XXXX XXXX our home address is XXXX XXXX XXXX XXXX, CA. XXXX. My mobile number is : XXXX I am caring for my dad who is a victim of elder abuse and going to work right now is not an option. Our household income is limited and I need help desperately. My husband is working XXXX jobs at time 7 days a week to sustain our home and we have a graduate XXXX. I am overwhelmed, heartbroken, and spent. The Company is Specialize Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX XXXX # is XXXX XXXX XXXX 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 2017-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX has 2 company 's attempting to collect a debt and both are only sending itemized charges and ALL OF PRIVATE INFORMATION THAT WAS COMPLETED ON THE ALLEGED VISIT AND BOTH ARE REPORTING ON MY CREDIT AND ATTEMPTING TO COLLECT THE DEBT

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 2016-08-23
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My vacation club account went into collection as I have had financial difficulty and have not been able to pay. I contacted my original creditor XXXX and they said they transferred/sold the account to Monterey Financial. 

Monterey Financial told me that I need to pay the full balance, OR that I would be sued, and lawyers will file claim for more legal action and my credit will be severely tarnished. 

I explained I do not have the ability to pay, and XXXX said I was stalling and lying. He stated several times that I am in breech of contract and that I need to pay the full balance, and there were no other options. I asked XXXX if he had the contract, and he said he did not. How can you collect on something stating I am in breech of contract when he does not even have the contract? 

He said he will mark my file as " Refused to Pay '' and continue with the legal process unless I have payment to him by end of this month XXXX/XXXX/16. This is the first time I spoke to him on XXXX/XXXX/16! 
I do not have the full balance, can not even get credit and I said I could n't afford that. XXXX said the only option is to pay the full balance. How is this not predatory? I am getting charged fees, high interest and more fees and then I have to pay the FULL balance? I have not received any letter from the collection agency, detailing any information either. 

What is not even clear to me is if I pay the full balance, do I even get my vacation club status active? It seems they are closing my account fraudulently, as I owe a significant amount less than what the value is on my vacation property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a new home in XXXX, XXXX on a contingency basis. Our current home in XXXX has not sold and therefore we can not go forward with the closing on the new home. On the XXXX of XXXX we received from the builder a Cancellation Notice, and were told that they sold our future home to someone else. We refused to sign the Cancellation Notice, due to the fact that the form was too vague and misleading, and asked the Builder to rephrase it, and/or delete the last sentence. They refused. The Notice states : by signing this Notice we 're giving up the property ( showing addrss. ). Then also states that signing this Notice of Cancellation does not provide Buyer the guarantee that the Seller will refund all Earnest Money Deposits. We 've contacted First American Title, Agent said to us that the form is too vague, and that normally the Notice should include and disclose the total amount to be refunded, ( the builder refuses to do that ). We then contacted a local Attorney in XXXX. He suggested that there was no need to delete the last paragraph, but just the word NOT would be sufficient. The form was then signed inside First American Title 's office and sent to the builder by the agent. We asked the agent if she could refund our deposit of {$17000.00}, she answered no, unless the builder ok 's it, she further said that she represents both, the Seller and the Buyer, but it seems that First American Title is very biased toward the builder. The Nevada XXXX XXXX XXXX even asked me if I asked First American Title for the refund, I answered yes, and was refused. First American Title also told us that the new home can not be sold, until we sign the Notice of Cancellation. This morning, I called the agent and asked her if the new home was sold and occupied, she refused to answer she said, since she can not discuss any Escrow matters with anyone. Can you please try to help us in recovering our deposit back?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialised Loan servicing does not allow you to speak or work wtih a single contact. Instead you have to call in and try to get someone on the phone that has no clue what is happening on your file. They wo n't transfer the account to your supposed single point of contact or asset manager stating it is their policy not to do so. If you call XXXX and enter the loan number and social you will NEVER get your contact on the phone. Instead they say to schedule a call back then no one calls back. After you submit all required documents they close the file out a few days later stating they did n't get them in time and you have to start over sighting this is the investors rules which is NOT TRUE XXXX

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 2021-03-23
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was deleted from my credit report from all 3 bureaus back in XXXX. 


" If you discover that an old debt has reappeared on your credit report as a new account or contains inaccurate information about its age or status, it might be because a debt buyer " parked '' the debt on your credit report, or re-aged the status of your debt. These debt collection practices might be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX and should have been covered. It was due to the hospitals mistake of marking me male, I contacted them as soon as I found the mistake but they said I would have to verify who I was with the XXXX provider. After talking with my XXXX provider, they assured me that there wouldnt be an issue. The hosital continued to say I owed them money and sent it to collections. I was and still am covered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been a customer of Specialized Loan Servicing LLC ( SLS ) for the past ten years. My mortgage payment is due on the XXXX of each month. I typically pay it on the XXXX ; however, occasionally I must wait until the XXXX. The payment is not considered late until the XXXX, so this should not cause a problem. Unfortunately, each time I wait until the XXXX to pay, the company reports my payment as late. They have explained to me that their computer does not have the ability to recognize payments that come in on the day they are due. This is unbelievable and, if true, should be illegal.

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 2016-03-28
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.

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 2015-04-18
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied and received {$50000.00} from the Hardest Hit Principal Reduction Program. The money was sent to my mortgage come in XXXX 2014. The applied {$48000.00} and took the difference and paid my XXXX payment and applied some to late fees. In late XXXX the funds were reversed and sat in a suspense account and no one was able to explain why it was reversed. It was then applied and reversed XXXX more times and each time money was taken away from the principal. To date only a little over {$44000.00} was applied toward the principal and I was told they took the remaining {$5000.00} or more dollars and paid my XXXX, XXXX and XXXX payment which I have been paying my monthly mortgage. In XXXX explanation they said they were given directives to do it this way then they said they never received any doucumentation as to what to do with the money and it is their perrogative to do what they want and I have no say so in the matter. It is the least to say that this has been fraustrating. So many agents have been dealing with this matter that it is now a total mess and what seemed to be a gift to help with my underwater mortgage has now been turned into a nightmare. I need hellp being directed to the right agency who can speak for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A Colorado company named Specialized Loan Servicing is managing my home loan. The calculations that they used for the escrow account are wrong. Being as such they want me to send in more money every month to cover their falsely calculated impound account. Every month. I have made my monthly payments every month. Today via a phone call I was informed that they will not apply my last payment because it was not paid in full. This will inevitably cause a " Notice of Default '' action to occur. 

In the past ( XX/XX/XXXX ), I had sent Specialized Loan Servicing documentation showing the correct information that is needed to calculate the proper property tax amount. I was informed that they did not receive that information. 

Can you assist me in helping Specialized Loan Servicing understand their errors and calculate the correct mortgage payment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Monterey Financial Services LLC
State: NY
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:
When signing up for a loan through XXXX I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted {$1300.00}, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation