BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-05
Company: First Associates Loan Servicing LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I Have a loan with Vouch Financial and have made 4 payments which all were made on time. Vouch Financial went out of business and now the have a the loan being serviced by XXXX XXXX XXXX XXXX XXXX. They did not want to give me the physical address of XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRANSWORLD SYSTEMS INC IS REPORTING AN UNVERIFIED FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM A XXXX UTILITY COMPANY THAT WAS OPENED IN XXXX. I HAVE BEEN A RESIDENT OF THE STATE OF XXXX SINCE XXXX. I DO NOT OWN ANY PROPERTY IN XXXX AND I HAVE NOT OPENED ANY UTILITY ACCOUNTS IN XXXX. IF THIS ACCOUNT IS NOT DELETED FROM ANY CONSUMER REPORTING AGENCIES IT WAS REPORTED TO WITHIN XXXX DAYS AS REQUIRED BY THE FCRA, I WILL BE FILING FOR DAMAGES PURSUANT TO 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I requested Portfolio Recovery Associations LLC to stop calling my home several years go but the company never stopped. The alleged debt is a medical bill over 6-8 years old past the statue of limitations. The company is data mining old debt and harassing families for a profit. The allege debt by XXXX XXXX XXXX XXXX sold the debt to Portfolio for penny 's on the dime and the debt is beyond the state of Florida statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, I called freedom mortgage because I noticed on my credit report they reported me 30 days late for months of XXXX and XXXX. I had paid my previous amount on time, but the escrow account had increased which made me around XXXX short. I was never notified of this increase or that I was 30 days late. I have never missed a payment or been late. 

When I talked to customer care she notified me a notice for the increase was mailed to the home the loan is for. ( XXXX XXXX ). I had her update the address to my mailing address were I reside. ( XXXX XXXX ) This same issue happened in XXXX when they mailed a check for an over balance to my escrow account. I have a message saved on their server saying they updated the address, however the lady told me it was not. She then updated it. 

I sent all this information and documentation into Freedom mortgage and they said they were accurate to report the 30 day late. Which I agree, a portion was late, but not due to any fault of mine. 

I called again XXXX, and talked to a lady that said I should have seen this on my statements. I asked her were they are and she said I should get an email monthly that reminds me to login and check it. I notified her that in the 7 years with them I have never received this email. She disagreed with me and said I did. I asked her to send a test email so I can verify i'm getting emails from them and she refused. 

I called back and talked to another lady, who helped a bit more, she sent me a password reset email, and that did come through. I asked her what the difference was between were the emails come from and she didn't know, and had no idea who to forward me to. 

They have something wrong in their system with my email, and are not willing to help fix it. I had disenrolled from their paperless service to avoid this again. The fact still remains that the notice they mailed the old fashion way, was sent to the wrong address and it was the same issue I had to get fixed the year before. They just didn't care because last year it was a check to me.

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 2015-12-18
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
In XXXX i owed XXXX XXXX XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated Johnson mark llc tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and Johnson mark llc documentation reads johnson riddle mark llc, in XXXX? This firm hasnt been johnson riddle mark for a while only johnson mark llc? I got ripped off big time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Misapplied funds. 
On Chase statement date:XX/XX/XXXX under Payment XXXX XXXX it reflects that the total amount due is XXXX, I called Chase for explanation, initially the representative stated that owe them XXXX and asked that i send extra payment to get caught up. 
Couple months ago, Chase with your help got my account straightened out and up to date. I need your help to look into this matter AGAIN. This is very aggravating when I am making all my payments on time. I have my bank statements reflecting all debits. I went back till XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent my XXXX payment last week. My bank and I have records of all my payments. I can provide bank statements if you so desire. Please explain how I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was making payments to this third party company for my visa credit card balance and they called me to demand that I give them my bank information so my payment would be taken out automatically. When I refused to give them the information they became hostile and threatened to take legal action. When I asked for a supervisor I was disconnected. I called many times and they hung up on me repeatedly. I have seen many complaints against this company and a pending lawsuit. I do n't even know if they own the debt. When I request information they hang up on me. They continue to call daily after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Atlantic Credit & Finance, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on XXXX/XXXX/XX/XX/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. " XXXX '' has called me XXXX times in less than XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
in XXXX 2014 I made my mtg. payment. it was n't until XXXX or XXXX they informed me that I missed my XXXX payment. I have since spent months trying to resolve this. I have sent my bank statement showing I made the payment and they took my money. my bank even sent them proof of payment. but Ocwen 's response is they are trying to find out what they did with the money. in the meantime i 'm receiving late notices still, my credit has been trashed, and they are taking late payments. they refuse to fix my account. why am I paying for their mismanagement of funds. I informed them I am filing a lawsuit against them and will not play their game any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my townhome in 1999 and the loan servicing since changed hands to Litton and now to Ocwen. I received a letter from Ocwen stating that flood insurance is now required. Please note it is now 17 years later. 
I contacted the holder of the master insurance policy for the entire condominium property and they advised that there is no flood insurance on the property because only some portions of the property were in a flood zone, others were not. She further sent a document stating that my unit was not in a high-risk flood area. I sent this documentation to Ocwen. 
I received a letter from Ocwen stating that their research shows I am in a flood zone. I think they need to provide me this " research '' specifically the designation of my unit # XXXX as being in a zone in need of flood insurance. 
The response I received was from XXXX XXXX in the Ocwen Office XXXX XXXX XXXX XXXX. I am sending this complaint because I should n't be getting a demand for flood insurance 17 years after purchase. Furthermore, Ocwen was not my original servicer. This seems to me that the demand is outside of the original requirements for my mortgage since flood insurance was not a requirement to initiallyl establish the mortgage. I 've read where mortgage companies are praying on homeowners in this way because they 've receiving kickbacks for the flood insurance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with a company calle d Loancare. They  have turned me into the credit bureau twice in 6 months due to payments not being posted on time. They have also automatically changed my payment amount due to insurance review even though my insurance company has actually charging less. They dont process the payments when they get them so they are putting late charges on my account when the money is in. I am not the only  one out  there that they are doing this to. There are many websites of this happening to many others with exactly the same story. I have been on the phone with the m 20 times and they actually have hung up on me many times when they can not answer my questions. My credit score wa s  XXXX  before they bought my loan and since then it has dropped to  XXXX . I want to refinance but since my credit dropped i wont get the 3.5 % interest rate so maybe this is how they keep their customers. Please help.     Thank you  XXXX   XXXX   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 2016-04-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen has not properly reviewed as my loan modification. The form was filled out XXXX XXXX, 2016 and my Attorney or myself has had no response from Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Just recently I had the opportunity to retrieved a copy of my credit and a consolidated credit search was conducted and as a results there was rrightigjt away identifing what debt I hadhad and were actual mine. One of the account from the list is unfamiliar and I have no recollection of this HERBERT P SEARS CO for XXXX. I believe this is not a debt that I have owned or recollect. I should have received calls, or mail. I have contacted all accounts of debtdebt and have set up arrangement s, and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted Chase Bank regarding my home mortgage which was suppose to be a Home Affordable Modification Program Agreement, off and on since XX/XX/2016 Each time when I call the XXXX I get a different Customer Assistance XXXX but the same answer regarding the amount of my monthly payment {$900.00}. However when I receive my monthly statement from Chase the the monthly mortgage amount is different. This month the payment is {$440.00}. I just was speaking to a representative at Chase regarding the difference and was disconnected. The amount I am paying and the amount Chase says I owes is {$450.00}. As a widow with a daughter with latent XXXX XXXX I am struggling to make my monthly payment. Can someone please explain to me why the huge almost double difference in the monthly payment amounts from XXXX branch of Chase to another? I just made my XX/XX/2016 payment and I paid from the Chase monthly statement I received showing {$440.00}. l called Chase asking for verification of the amount due and the woman I spoke to said the payment was {$800.00} plus, once again a different amount. I would appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
we had a chase bank credit card i thought this card was paid off back approx XX/XX/XXXX its now XX/XX/XXXX and XXXX service files a garnishment against me, i called them and XXXX said it already done and hung up on me that was XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a military family. We took all steps necessary starting in XXXX to avoid foreclosure and bankruptcy. With no other option, we filed Ch. XXXX bankruptcy in XXXX to release us from the house. The house was discharged in XXXX but we are still receiving bills and attorney letters for collections from the HOA. We are told because the deed is still in our name we are responsible for XXXX, etc. The mortgage company will not cooperate with a Deed in Lieu. The mortgage company is forcing us to comply with their short-sale terms of listing the home for 120 days before considering a Deed in Lieu. I have spent hours on the phone since XXXX XXXX talking with various representatives because they ca n't keep XXXX person assigned to my case. The mortgage company changed the locks without informing us. When we hired a real estate agent she could n't get into the home to even proceed with a short sale. We had to wait 2 weeks before the bank would put a lock box on the property so the agent could get in. I want justice for the way I have been given the run-around by the mortgage company and the countless hours I have been on the phone whether on hold, transferred, etc. There is no way I could hold a job and deal with the mortgage company as much time as I have had to spend playing their games! They should be paying me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I got a registration loan with Cash 1 DBA AAA title loans. I am late, but having financial problems. I did explain that I moved to XXXX and commute to work, until my new job starts. They are calling my work, asking for my boss or me. when I told them not to from the start to not call my work. XXXX and XXXX claim they can but I work with the CFPB laws on my current job and know otherwise. They are also, leaving very detailed messages on my home/ cell phone, that even my roommates hear it, being we share the same phone. It is on my loan saying that I am late and they need my payment, with more detailed info etc. It is very detailed. I have continuously told them do not leave a message and now for the continuing harassment at my work, told them to stop calling me or my work. I even sent them a letter on it. I even have voicemails saved to prove it. My roommates just called me today and told me that they left another detailed message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
o My wife opened this account over 15 years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX, Texas in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a XXXX. 
o I XXXX for 8 years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX, o I have XXXX. 
o We both take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls XXXX XXXX refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by Port Folio Recovery both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Atlantic Credit & Finance, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling and harassing me on my personal cell and calling my work, which is explicitly prohibited by The Fair Credit Reporting Act. He mentioned some credit card I had never heard of. Furthermore, they have no standing to contact me about a debt, they also have not verified what debt they claim I owe. I want them to seize all communication and drop this frivolous collection attempt.

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 2016-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to Equifax in XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than 3 months month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX at the phone number XXXX ext XXXX call me on XX/XX/2015 to tell me ones again that my application for short sale has been denial and I have to complete a new application again despite that we have prove our hardship we have 5 month of late payments my income is less the {$34.00} a year I have provide all bank statements tax return invoice of repair for the property I have complete XXXX times the application because each time they denied the application they do n't pay attention and they do n't care for any complaint I am doing to your office the CFPB EACH complaint I send to you they do n't care because your office is not taking any legal action against the chase bank please note I have open today a complain to the Attorney general office explaining that the CFPB SO FAR IS NOT BEEN ANY HELP IN OUR CASEI AM ENCLOSING ALL MY INCOME INFORMATION BANK STAMENTS TAX RETURN AND INVOICES OF REPAIR TO THE PROPERTY SO YOU CAN CALCULATE AND TELL ME WHY I DO N'T QULAIFY FOR A SHORT SALE BY THE LAW THE BANK NEED TO INFOME THE REASON OF THE DENIAL AND SO FAR CHASE BANK JUST PLAY BY ASKING FOR MORE TIME AND MORE TIME VIA LETTER BUT AT THE END THEY DENIAL XXXX TIMES AND ASK FOR A NEW APLICATION PLEASE NOTE WE HAD A BUYER SINCE XXXX 2015 WITH STRONG OFERT {$34.00} cash and because the bank is been playing games the buyer withdraw the offer on XX/XX/2015 at this time the house is bank on the market looking for a new buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
i went to the branch at XXXX, NY XXXX I wanted to deposit {$1500.00} into my account - i needed it ASAP as i had to process payments but they refused to accept my deposit without ID. I asked them to identify me other way but they refused. I was not taking money - it was a DEPOSIT. I was really upset by the treatment and they did n't show me the policy that says so ... It was very humiliating experience. I 've been Chase client for more than 15 years and have numerous accounts but this treatment was unacceptable : by employee and branch manager as well.

Company response to consumer: Closed with explanation