BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-03
Company: TOWNE MORTGAGE COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Towne Mortgage, DBA AmeriCU XXXX # XXXX, originated and " manages '' my mothers FHA loan, which I am authorized to manage, handle all business, and make the monthly payments on. Every year, Towne Mortgage slaps a ridiculously expensive XXXX insurance policy ( highly profitable for them ) on my loan that makes my monthly mortgage and escrow payment go from about XXXX dollars per month to over XXXX per month, which we can not afford. This policy is completely unnecessary for FHA ( I know, I spoke with an FHA representative during the time the loan was closing ), as the master insurance policy for our large association covers the interior of all of our units, per the developer-written bylaws of the association. These bylaws have never changed meaning none of us with loans needs an XXXX policy. My neighbors have loans with other large lenders like XXXX XXXX and in talking with them none of them have to go through this year after year with their lenders. I provided this information prior to loan closing, and have provided the online link to the association documents in the past when this happened before, so it is not like they do n't know this. I have a saved email from XXXX of Towne Mortgages employees who fixed this problem for me several years ago PROMISING this would never happen again, yet is has. I will attach that email. Consequently I have withheld my XXXX, XXXX and XXXX payments until the insurance is cancelled retroactively, a new mortgage analysis is done to return my monthly payment to the correct amount, and all late charges are removed from the escrow account. What is most frustrating is that all the times I have tried to communicate this problem to Towne Mortgage in the last months NO ONE other than collections will return my emails or fix this. When I send a form in on their website XXXX no one ever responds to it, when I signed up for their encrypted email and send them a request to remove the insurance off the loan the XXXXXXXXXXXX is restricted and the email gets rejected. When I call and ask the operator for someone, anyones email that can help me, they always tell me to send it to XXXXXXXXXXXX, and guess what happens? - NO ONE ever responds to me. Since I can not get any help, I am sending via certified mail my XXXX XXXX and XXXX payments of XXXX to a person whose name I got who is the manager of loan servicing along with a copy of this complaint. Her name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been paying on a car that I purchased 3 years ago for {$15000.00}. My loan is through Santander. According to my payment history I have paid {$15000.00} to date. Santander says that I still owe over {$13000.00}. My payment history shows that the majority of my payments through-out the years posted totally to interest and not towards the principle at all. My loan has an interest rate of 15 % and based on the figures they have charged me 50 % to 100 % the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX I received notification from XXXXXXXX XXXX that they were changing the branding of their credit card from XXXX to XXXX. The new card should arrive by mid XX/XX/XXXX. XXXX XXXX came and went no new card. XX/XX/XXXX came and went no new card. Called and was told would mail new card. XXXX came and went no new card received. Called again and was told new card sent. A new card was finally received in XX/XX/XXXX and activated. In XXXX I withheld payment of the bill until they could get me a new card. I requested company reverse late fees, interest and credit reporting since card was not received until XX/XX/XXXX when due XX/XX/XXXX. I am requesting the reverse all interest, late fees and reverse their in accurate credit reporting from XX/XX/XXXX - XX/XX/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 2016-07-25
Company: Paypal Holdings, Inc
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal Credit claims to have offered a payment plan which requires an amount due of around XXXX a month, this offer was never received but am interested in taking advantage of it. I do not have offer details as again, they were not received. However, there are several fraudulent orders from an XXXX which need to be resolved first. These orders run into the thousands and were placed by a relative with a very similar name, XXXX XXXX. My full legal name is XXXX XXXX XXXX, he was able to successfully place these orders as the name as well as address matched. If Paypal Credit is willing to work out a settlement and accept a payment plan of XXXX a month then I will gladly make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I.C. System Inc. reported a debt that I do not owe, and they damaged all my credit report on all XXXX credit bureaus. 

I demanded they show me PROOF, and requested pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim was disputed and validation was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IC Solutions Debt Collectors repeatedly call me even after I had already made payments, they call multiple times a day during unorthodox hours and have now taken to calling my husband who 's information they should not have access to.

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 2015-11-13
Company: Northland Group 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:
My name is XXXX XXXX. My account number with XXXX XXXX XXXX shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from Northland Group regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called XXXX XXXX Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself two times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email XXXX XXXX XXXX and request the phone recording from Northland Group, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid Northland Group XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I bought a ticket to an event at the XXXX XXXX festival that happened in XXXX NY in XXXX XXXX, 2015. Here is the event description XXXX I found out I was not going to be able to attend the event and I identified a woman ( friend of my father ) in NY who was interested in purchasing my ticket. We agreed on a price of {$45.00}, and that she would pay me via paypal. I sent her the ticket ( address in NY ) once I saw that she had submitted the money transfer. However in the subject line of the payment, she said, payment for ticket to XXXX, XXXX ( name of the event ) and now paypal is holding the money pending an XXXX investigation?? She has provided the website for the event and explanation that the transaction has no involvement with anyone in XXXX or any good coming from XXXX. This would seem to be a mistake that could easily be cleared up, but the payment was submitted on XXXX XXXX, 2015 and paypal still has n't released the payment to me. They will not give me a timeline for when the investigation will be complete or if they can simply not process the transaction and return the money to the sender. I do n't believe they should be able to hold my money indefinitely. This guilty by 'word association ' is bordering on ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30
Company: AMERICAN PACIFIC MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX : XXXX, Is very unprofessional hes been sharing personal information with builders without my knowledge or permission he doesnt want to send me a cancellation letter stating that I no longer wants to go thru with the deal that he was offering his trying to get me to pay for appraisal and credit repair that he didnt tell me about before working with him he also send information to XXXX XXXX stating that I close on XX/XX/27 and I never sign or agreed to nothing hes claimed

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 2020-12-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : CFPB Nos. XXXX and XXXX  XXXX XXXX Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by XXXX  on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). XXXX XXXX  response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage through Flagstar Bank that I feel behind on in XXXX. I began a modification process in XXXX XXXX and was placed on a trail period with payments {$100.00} more than original payments. After successfully making XXXX payments I was told paperwork would be sent in the mail regarding the modification. I received a packet that contained documents to be signed by a notary and a witness with a due date just days after receipt. After reviewing the documents it was obvious that no previous payments were credited to my account. Additionally, I was asked to pay closing costs, an additional {$40000.00} for my home and to start the 30 year term over again. I called today to make another `` trail period payment '' and to discuss the issues I had with documentation when I was told that my file was closed and I would have to reapply for a modification. I was told that my home was going back into forclosure process and they were not able to take my payment. My " single point of contact '' was not available to communicate with and I was forwarded to a voicemail after asking who I could speak to about these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe FABCO. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ), 609 of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I have already made several requests require to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. It has been past 30 days since my original request so this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The papers I revived did't show me anywhere the FABCO is a entity that is entitled to FORCE a claim against me based on OHIO XXXX XXXX Taking assignment of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00}

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 2015-09-15
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am writing on behalf of our business, an auto dealership, regarding harassment by a collection agency which arose out of billing errors on old invoice for transport services. Accounting needed to verify appropriateness of old debt invoices that were sent almost 2 years after the fact and paid all old invoices directly to the company. A balance remained that was being investigated and company referred the matter to collection agency with no notice to our company. Debt collection company claims entire amount assigned to them by other company including amounts already paid directly. Refused to investigate actual amount in dispute, threatened and harassed comptroller and contacted the undersigned using the foulest of language, screaming and repeated calls after written notification that the amounts were in dispute, to return the debt to the maker, and to cease all harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Trident Asset Management, L.L.C.
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:
Trident Asset Management Is using unethical practices. 
XXXX they changed the open date from XXXX too XXXX on an account so that they could report past the statute of limitations. I have the supporting documentation for this and sent letters to both XXXX XXXX XXXX. XXXX of where they did this. Trident Asset Management Is also reporting XXXX collections from XXXX & XXXX as current accounts that are delinquent on my XXXX report taking my payments from 100 % to 60 %. A few months ago I sent letters to each credit bureau asking them to remove old accounts that expired their statue dates. The Bureau 's obliged and did so with the exception of Trident 's XXXX that fall under this complaint because they had a few months left. Hence XXXX they are now changing dates to get back at me and try to report longer. And they are also reporting collections accounts as original creditors and not as collections as they should be on my XXXX report. Actually the XXXX from XXXX should have expired anyway but they are still reporting it. I do not believe this an accident, How many mistakes can XXXX company make? I believe they are doing this as to spite me for asking the credit bureau 's to remove their accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question XXXX OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Ford Dealership XXXX TX did not give me the incentive packages that I was qualified for. Ford Motors was running a {$2500.00} cash back offer on new Ford Transit XLT, I was not given this cash back and was told to put down XXXX for XXXX cars. In addition I was told my credit score was too low to receive 1.9 % APR on both the vehicles. The first vehicle was 3.9 % and the second XXXX was 1.9 % While in the finance room I left to get some lunch and my mother was conned to putting down {$5000.00} for XXXX cars for APR of 1. 9 %. I immediately realized this and refused to take delivery of the second vehicle. I feel that we have been lied to by deceptive trade practices, the truth in lending was not disclosed as we actually were qualified for 0 %. Ford Motor Credit is complicate like other large dealerships in knowing and abetting the unfair, illegal discretionary lending practices the dealerships are involved in.

Company response to consumer: Closed with explanation