BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-23
Company: Stellar Recovery, Inc.
State: MD
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 made several attempts to correct this matter with XXXX. I called and wrote email. I was told on several occasions that XXXX do n't make adjustment customer bills. The service was not working but I was still billed. I was charged for equipment that I had returned. I wrote several letter to corporate and never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Credit Plus Inc
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Greater Suburban Acceptance is reporting incorrect Information to all XXXX of my credit bureaus. I 'm requesting that they send me all documentation. The car was repossessed and sold. 
1. I need the original documentation on the loan agreement 2.I need the information on the price the car was sold for 3. I need proof of the difference in balance that they 're saying I owe them 4. I need a direct person to talk to if I have future questions in regards to this loan

Company response to consumer: Closed
Consumer complaint received 2015-11-02
Company: IQOR US INC
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08
Company: Stanislaus Credit Control Service, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On this date XXXX XXXX, 2015, I reviewed my credit report and notice that STANISLAUS CREDIT CNTRL placed a collection account on my XXXX XXXX and XXXX credit report. This is my first knowledge of the alleged debt. I have NEVER heard nor received any notification through the United State Postal Service from this company. I am enforcing my rights under the Fair Credit Reporting Act and the Fair Debt Collections Act, due to failure of contacting me prior to placing a unknown alleged debt on my credit report without a clear notification of who the original creditor is and informing me of my rights to dispute with request for validation. STANISLAUS CREDIT CNTRL has CLEARLY violated the Fair Credit Reporting Act and the Fair Debt Collections Act by not sending proper notification and informing me of the proper disclosure verification of debt that is required by Federal and State Laws, according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), ( c ) ( 2 ) ( E ), 611 ( a ) 1 ( A ), and Fair Debt Collection Practices Act Section 809.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: Specialized Loan Servicing Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was sold to specialized loan services. We have had nothing but problems with them since. We were trying to modify our loan and were never told it was approved until after we missed theach first trial payment, which denied the modification. When trying to contact them our assigned agent would never return calls and everyone we talked to was extremely rude. Now we are at risk of losing our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the test of the fax I sent to the company : I became aware yesterday that your company has reported my mortgage payment 30 days late on two occasions this year. I have never missed a payment and have access to bank statements to verify. This issue has impacted my credit negatively and I need you to correct theses negative credit entries immediately. I believe the problem that your company has considered non or late payments to be related to my impound account being re-evaluated and the payment increased as a result. I make all my payments automatically through my bank 's online bill pay feature. I suspect I missed the escrow payment increase notification but as soon as I became aware I increased my payment as well as sent additional funds to cover the amount that was behind. 
Your company has always accepted all of my payments including the extra {$220.00} to cover the impound escrow shortage. I have never failed to send a payment that included the full principal and interest due on my loan. 
Just to reiterate, this issue is extremely urgent as it is affecting my ability to secure financing today. I would really appreciate your response to me with a letter stating that the issue has been resolved and that the credit reporting agencies have been notified to remove the 30 day late notices from my credit reports.

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 2016-03-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 times.

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 2017-03-29
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am writing with regard to my recently closed lease of my Honda XXXX ( XX/XX/2014 ) with Honda Financial Services. I was under the impression through my dealer that excess milaege would either be waived or reduced and rolled in to my payments upon return of my vehicle and leasing through Honda. 

This was not the case and I was hit with a bill to be paid up front with a courtesy reduction. I was going back and forth between Honda and my dealer regarding the fact that I wanted to roll it in, but I I was not permitted to so and I was financially unable to pay at the time. 
The matter has since been resolved, but I was hit with a late payment on my credit report which I feel should be cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is for a complex that I never lived in and charged me and put this on my report card. I want this removed. This does not belong to me. This apartments were called XXXX. They are owned by XXXX XXXX. XXXX do not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Citizen 's Bank, gave us a commitment for a condo, and then at the last moment is not coming to the closing. Since the financing contingency expired before the closing date, my down payment is exposed according to my lawyer. However, Citizen 's acted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: ERC
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:
On XXXX, XXXX XXXX, 2015 at XXXX EDT, a debt collection agency called Enhanced Recovery Company ( ERC ), based out of XXXX XXXX Florida , XXXX tried to contact me with a robocall. The robocall did not address me by name and instead gave me a XXXX number to call and also gave me a XXXX-digit reference number. I did not have a pen handy and the information was given only XXXX before disconnecting. I checked my caller ID and it said " private number, '' so I had no one to call back and did nothing at the time. I received a XXXX robocall from ERC on XXXX, XXXX XXXX, 2015 at XXXX EDT, this time the XXXX appeared on my caller ID. I was told to call XXXX and given a XXXX-digit reference number. I called the number demanding to know why they 're calling me since I know I do n't owe anybody anything. They asked me if my name was the person they 're trying to collect a debt from. I said no and that I did n't know this person. They apologized and promised to remove my home land line number from their list so presumably they wo n't call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally applied for mortgage remediation in XXXX XXXX. My request was denied in XXXX XXXX. I applied for mortgage remediation again in XXXX XXXX. I started making trial mortgage refinance payments on XXXX XXXX, XXXX. My mortgage was refinanced in XXXX XXXX, and I returned the final signed documents on XXXX XXXX, XXXX. 

Despite all of my payments to the mortgage company, Citizens One reported my account as 150 days late as of XXXX XXXX, XXXX, and then 120 days late as of XXXX XXXX, XXXX. Both reports are false. When I called to complain about both items ( which are now on my credit report ), I was told that my account was now current, but that Citizens One would NOT be removing either negative item from my credit report. I have attached four files to demonstrate all of these assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted an application for a loan modification to Caliber Home Loans. 
They asked me to provide information which I did, they asked for several things they were : Profit and loss statement, a letter of verification and a credit report authorization. I faxed all of these to them. I have fax reports showing date they were faxed. 
On XXXX XXXX, I received a phone call and a letter saying I was refused a loan modification because " you did not provide us with the documents we requested '' This is not true. I sent in everything they asked for and have proof that I did so. They did not even evaluate my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Home Loans assumed servicing of our home mortgage from XXXX on XXXX XXXX, XXXX. For XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX we did not receive monthly statements with Caliber. The first monthly statement we received was dated XXXX XXXX, XXXX. We have repeatedly requested that Caliber send us the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. In response to a previous complaint, they responded on XXXX XXXX, XXXX : " We are still investigating why you did not receive the statements in XXXX and XXXX XXXX and XXXX XXXX. '' To date we have not received the statements for XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX. Please see page XXXX of the attached letter for confirmation of Caliber 's statement. 

We need these statements because XXXX has recently confirmed that they did not post our XXXX XXXX, XXXX payment to our account. Subsequently this caused a cascade of problems with Caliber. Caliber has been unwilling to address these missing statements or provide relief for the mistake made on XXXX XXXX, XXXX. They have corrected problems in our account that occurred in XXXX and XXXX XXXX but have not addressed the XXXX XXXX, XXXX issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Municipal Collections of America Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from this number XXXX asking for XXXX XXXX. There is usually a real agent on the phone and i have told them on at leas XXXX occasions to take me off their call list because this is my work cell phone. I continue to get these calls without fail everyday at XXXX. 
I have also received automated collection calls from other numbers from different area codes for this person ( at different times in the day ) which mention that this person ( XXXX ) is being collected on for unpaid debt. For some reason they have my work cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A debt collector, XXXX is trying to collect a debt that is not mine in the amount of {$6100.00} I have asked for debt validation and only received a photo copy of a bill, and now they are asking for {$6200.00} This false debt was previously owned by XXXX XXXX XXXX and was removed from all credit, prior to that it was owned by XXXX XXXX and was also removed from all credit. This debt is not mine and keeps being sold to new collectors in an attempt to collect it anyway. How do I get this to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender failed to provide the client and our office a detailed explanation of the reasons for loan modification denial in violation of Regulation X, 12 C.F.R. 1024.41 ( h ). 
Please cease and desist all foreclosure activity pending resolution of an appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ) .. The lender has stated that they denied the loan mod review due to incomplete package being received for review - The lender did not request a Letter of Explanation for XXXX income and did not send a missing letter document or a denial to the client. If they would have done there due diligence in the review of the file they would have found that XXXX is not employed so there were no pay stubs to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Stellar Recovery, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report. 

Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Progressive Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My student loan was sold to progressive financial due to default on a student loan. I have made attempts to rectify this debt but was told to pay more. Progressive financial has a history of illegal practices with multiple complaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: MST Financial Services, L.L.C.
State: WA
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:
A disputed debt was sent to a XXXX collection agency. The XXXX collection agency has failed to notify me of how to dispute the debt, failed to notify the CRAs that the debt is disputed, and is now charging me more that the original amount. I believe some or all of these violate federal law. They have also failed to respond in full to my letter sent certified mail.

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 2016-07-24
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have know knowledge of this dispute for only XXXX unbelieveable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Franklin Collection Service, Inc.
State: CA
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 my XXXX XXXX XXXX bill when I cancelled my coverage back in 2015. I even called when they sent a bill that was incorrect. The lady on the phone looked into it and said I was correct and did not owe the money and she would submit the information. I 've called XXXX XXXX XXXX again now that it has been sent to collections and they say they ca n't help me on the closed account. XXXX XXXX XXXX continues to give this collection to someone new every few months and I dispute it every time, but no one will help me resolve it. This is on my credit report hurting my credit and it should n't be. I 'm being harassed about this bill with no one bothering to help me get it resolved. I paid this in full a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a collection/charge-off listed on my credit report of {$40.00} to Pinnacle Credit Service, LLC. I 'm not disputing that I owe the money, but I ca n't get any information from XXXX on what the debt is for or even how to pay it. I have emailed and left voicemail with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: ERC
State: MD
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:
XXXX has sent this account to several different debt collectors. I did have XXXX at one point but the service was so bad and the technicians had to come out 6 times. The service was never corrected. Enhanced never sent me a validation request letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Citizens One reversed a payment from my loan stating that a check they received from me has been stopped by XXXX. The photo copy of the check they sent me had a different name and was payable to XXXX XXXX. It was a check issued by XXXX to XXXX on behalf of someone else. After further investigation, Citizens One claimed that the check that was sent on my behalf was cashed by XXXX and an error was made by XXXX. I notified XXXX and they replied that a check on my behalf was paid to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015. I was also informed by XXXX that a check can not be cashed by someone who is not the payee. I am wondering how Citizens One knew that it was XXXX XXXX who cashed the check and how it was cashed when my check was payable to Citizens One. Citizens One does not want to give me a credit for the {$250.00} check that I paid them and told me to go to XXXX since they claimed that it was XXXX error and not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: ProCollect, Inc.
State: TX
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 am disputing this item and would like proper validation as these charges are not accurate. I 'm requesting full validation

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