BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment, which Loancare wo n't look into, wo n't resolve and wo n't help me figure out the 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 2020-03-19
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Previous complaint. Monterey Financial Is violating the Fair Debit Reporting Act and Fair Debit Collection Practices Act. They were reporting the collection account twice on my credit reports and were trying to be sneaky thinking people don't check. They have fixed my XXXX  report and I see with the last dispute they had sent it to be fixed on XXXX. But they haven't fixed XXXX. This hurt my credit for a good period of time and that's wrong and a violation. My original balance for my XXXX was {$5300.00} which I did make some payments on. Then the account was closed/charged off. Now you are trying to say you can continue charging me on a closed/charged off account that's nearly 5 years old? and charge me almost {$9000.00} in interest and fees. That's extortion! I will have my attorney reach out because your debit collection practices are against the law and you are trying triple my balance owed. Not to mentioned you have tried to collect that balance twice and damaged my credit. which I have proof of. See how that turns out for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: URS Holding, LLC
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX XXXX, XXXX I received a call at work from XXXX XXXX representing United Recovery Systems XXXX XXXX in regards to my father 's XXXX XXXX account ; he is the primary cardholder along with my mother. This was after XXXX XXXX took the monthly payment from my parents joint account which I discovered later that evening. XXXX XXXX proceeded to harass and demand that I do a check over the phone for the full amount of approximately {$3900.00}. I told her I would call her later because this seemed out of the blue and how in the world did my work number get involved if I am not the primary account holder. My parents opened the XXXX XXXX account back in XXXX. They have had the same home phone number since XXXX only now they have voicemail there were no messages or letters received at the home address that mentioned there was a problem with the account that was recently closed due to pressing and serious XXXX issues that caused late payments but from XXXX until now my parents always paid their bills on time. I calmly refused to discuss the account with XXXX XXXX and told her I would call back before XXXX that evening which I did but she apparently was unavailable so I spoke to another rep and told her that XXXX XXXX already deducted the past due amount ; furthermore I told the rep not to call my job ever again otherwise I plan to take this to another level. I do n't have the address of the collection agency because I never received anything in the mail stating that XXXX XXXX turned over the account to them. I did ask the representative that I spoke to later that evening on XXXX XXXX to send me a copy of the letter they allegedly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My problems started when my mortgage company Carrington Mortgage Services LLC returned my XX/XX/XXXX payment. I called when I saw it was returned to my bank account and immediately may the XX/XX/XXXX payment in or on XXXX XXXX. The payment was not debited for 7 days I made the XX/XX/XXXX Payment in or around the XXXX XXXX. 
They are threatening me with Notice of intent to foreclose by mail and certified letter. They are holding one full payment not partial payment in Unapplied funds. I made both payments with a representative on the phone with Carrington and followed up on the phone. 
I feel they are pushing me to foreclosure and not accepting my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took a vehicle loan out with Compass BBVA over 2 years ago and have always made my payments. Earlier this year there appeared to be an issue with my insurance renewal not meeting the correct coverage and Compass decided to take their own insurance out on the vehicle. They did this without ( i ) notifying me ( ii ) informing me that my existing insurance did not meet their requirements ( iii ) providing any evidence whatsoever that a policy had been taken out ( iv ) with exceedingly expensive premium ( way above any normal insurance cost ) ( v ) without any regard to the fact that I already had insurance and account for the money already spent. I was contacted by Compass BBVA on the XXXX Septemebr 2016 to make a payment on account, at which point I queried with them the additional costs. I refused to pay the additional cost and placed the item in dispute for someone to call me back to discuss. Instead I paid the normal monthly installment so that it would not affect my credit. No return call was made. I then made a further call to discuss the matter and customer services could not locate my account due to an error in administration when inputting my social security number. I was therefore not able to discuss the account further. I then filed a complaint with Compass as to why I could not discuss my account with anyone. After their investigation they apologised for inputting my social security information in wrong, I 'm amazed that they could not locate my account information by anything other than my social security. Still to do this day I have never been contacted about this other than to demand money yet they have gone a placed a late payment marker on my credit profile. This is an absolute disgrace. Please assist with this issue. A late payment marker should only be applied to an account that has its normal monthly installment late, not when the installment has been made and an item that does not relate to the contractual sum is placed on the account and then disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I would like Midland Funding LLC to provide contract with my authentic signature that begun this alleged debt. I previous requested that they provide contract with my authentic signature, but I never received a response from them. Midland Funding LLC are in violation of FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My purse was stolen as well as my information. My card was used at ATMs in differ Locations to withdraw funds on separate days. Starting XX/XX/XXXX funds taken via ATM through the XX/XX/XXXX. This is when I realized the account was compromised. I went to the bank locked the card and told the teller of the issue in person. Card was suspended and new card mailed to the wrong address. My funds were reimbursed in total from the withdrawals of XXXX from the atm. Then taken after they said my claims were basically fraudulent. Shortly after my routing and acc number were compromised transfers of XXXX withdrew via XXXX acc dispute ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion has been provided a copy from XXXX 's showing there was no money owed before they did half the update to this account. First they had a balance owed and showing a Charge off. 

There was no charge off as stated on my credit report XXXX/XXXX/2017 File Number # XXXX that was mailed to me there should be no charge off first you had an amount owed now its a charge off there no where on the letter that show nothing that Transunion has showing There was no charge off as Transunion has showing I 'm also filing with the FTC about your information and updating accounts right after proof has been sent to Transunion

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 2015-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I filed an Federal Trade Commission report and affidavit and police report of being a victim of identity theft, and all bureau 's except for XXXX blocked the concerning information. Fifth Third Bank continues to report on my credit report, although it was not reporting at one point. I do believe my attorney stated once something is removed it is illegal for it to be put back on, well it 's been put back on and I am tired of fighting with this. This is the last fraudulent account reporting and if they do n't remove it I am going to have to sue them because it is keeping me from living my life and moving on from the horrors of being a victim of identity theft. It even kept me from licensure for my dream job because I do n't have a perfect credit file! For them to come back and claim they investigated as if I did n't file all the paperwork which makes them by law have to remove the file and block it, is an absolute smack in the face and I am tired of it. Remove it now and MAYBE I wo n't sue for damages because it has kept me from getting a house now and a new car, and kept me from getting a job XXXX! this is ridiculous to get something done with this company, every other company included in the affidavit removed the info and has found that the accounts were opened fraudulently during a legitimate investigation in a suitable amount of time. You ca n't tell me XXXX other company investigations found fraudulent activity and fifth-third actually investigated anything. The account itself is registered to an address in XXXX where I have never even lived!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Back in XX/XX/XXXX, a friend that I used to live with in XXXX Texas called me and said that someone called her looking for me saying that if I didnt call back they would be taking me to court. I called them back and they stated that they were some type of legal agency ( XXXX XXXX ) and they were calling to collect the debt owed on a loan I took out at Ace Check Cashing. I do remember getting a loan with them, but due to unforeseen circumstances I was unable to make a payment, and I was told it was sent to collections. I was told that if I disputed it I would be sued in court for an amount over {$1400.00}. They asked me to make a payment of {$400.00}, which at the time I couldnt. I was told that they could set me up on 5 weekly installments of {$80.00}. I didnt feel comfortable leaving my debit card on file with them, so I ordered a XXXX XXXX card to have for those payments. They kept my debit card on file, despite me giving them my XXXX XXXX card, and would attempt to charge my card for {$80.00} every Friday. I would then call and make my payments with my XXXX XXXX card. One day I questioned them asking if this was real and I was told that when I make my last payment I would receive some type of letter in the mail stating ( I cant remember what it was called ). I made my last the month of XX/XX/XXXX. I never received anything from them. I would try to call them and the phone would pick up and then disconnect, or it wouldnt be answered at all. On XX/XX/XXXX I tried to reach out to them again, and I spoke with a lady who said that its only sent when requested. She stated she would email it to me and i should have it within an hour. I never received an email from them and when I try to call I am back to getting disconnected or no answer. I have already reached out to both my bank and XXXX XXXX, but I dont know what else I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting!

I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.

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 2017-05-26
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom  It May C oncern, I have an account with  XXXX   XXXX    XXXX    ( Federal ) I  recently had an informative phone conversation with a representative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX    2015, ove r 60 days after I had a payment due. As a result, the late payment was reported to m y credit score.      On top of that, my email and phone number were not updated with  XXXX  Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).

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 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America is forclosing on our home however XXXX is the company that we were working with on a loan modification. Once we questioned them as to how this could happen they sold our mortgage to selene. XXXX has refused to work with us and has added {$80000.00} in fees to our loan. Now saying that we do n't make enough to keep the house. How can they do this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Vengroff Williams, Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I changed companies. My old companies health provider was XXXX XXXX and my new Health Provider was XXXX. XXXX when I want XX/XX/XXXX to XXXX I gave XXXX XXXX my new XXXX XXXX information. XXXX XXXX mistakenly billed XXXX XXXX for the XXXX and they paid it although I wan no longer a member. 
XX/XX/XXXX I received a letter from XXXX fomenting payment for {$330.00} for my prescription. I called them up and asked them why there not requesting payment from XXXX XXXX and they said because I XXXX. I called XXXX XXXX and they said that this type of mistake was common and that they would just " reverse '' the charges and bill XXXX. this week I received a letter from a Bill Collector the XXXX hired to collect this dept. 

I do n't feel that this is my dept. I paid XXXX XXXX my {$25.00} CO-Payment and my business transaction was with them and I had no transition with XXXX but now my good credit is in trouble because this debt has gone into collection. 

This is another case of BIG BUSINESS squeezing the working man. 

Please help me. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX Contact : XXXX @ XXXX / ID # XXXX XXXX XXXX Contact : XXXX @ XXXX Collection Agecny : XXXX / case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX  for over {$5000.00} and {$8000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX which was discharged

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 2019-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account with XXXX XXXX agreed to a settlement with XXXXXXXX XXXX XXXX by my wife on XX/XX/19. Balance was {$4600.00} they settled for {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a house in XX/XX/XXXX with HUD loan from XXXX XXXX XXXX The maturation date of this loan is XX/XX/XXXX. 
Loan # XXXX The loan is now with CHASE bank. I have consulted with the branch in regards to documents pertaining to loan. They responded with a letter stating they did not hold records past XXXX years. 
In the past XXXX  years, I have made additional payments to the loan that have been classified as unapplied. These unapplied payments are added to the principal, then I am given a misapplication reversal which subtracts them form my principal. So basically I do not get credit for my additional payments. Ex. At the origination date of the loan, I was scheduled for XXXX payments of XXXX. Two payments were made every month the first year of the loan. This was not reflected in any change in principal amount nor change the second years payment amount. I also spend hours at the bank correcting the errors made to additional payments that were unapplied another instance I made a double payment to the mortgage and only one of the payments was applied. I believe my loan has been already paid in full and I would like the CFPB to help me count and review all the UNAPPLIED payments Ive made to close this loan as paid in full. 
XXXX  states that I may request this information regarding the entire length of my loan. I need the CFPB to help me obtain information pertaining to my loan 1. Annual tax and interest statement XXXX 2. A disclosure statement that includes amount of loan, the annual percentage rate ( APR ), finance charges ( including application fees, late charges, prepayment penalties ), a payment schedule and the total repayment amount over the lifetime of the loan. 
3. Any documents pertaining to prepaid funds.

4. Any other documents relevant and pertains to loan Thank you XXXX XXXX XXXX maiden name XXXX XXXX

Company response to consumer: Closed with explanation