BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Mercedes-Benz Financial will not provide a lien release. On XXXX XXXX I purchase a used vehicle from XXXX XXXX that had a lease balance of {$42000.00}. I got a loan from the XXXX XXXX XXXX XXXX for {$30000.00} and paid cash of {$12000.00}. The XXXX made their check payable to me and to XXXX XXXX, and we were instructed to endorse the back and forward it to Mercedes-Benz Financial along with my cashier 's check for {$12000.00}. Mercedes confirms receiving the funds, posting date XXXX XXXX, XXXX. 
My DMV registration is incomplete because I did n't get the lien release from XXXX XXXX Co. I contacted Mercedes-Benz on XXXX XXXX, XXXX, and was told that they did receive the payoff funds but it had not been applied to the Lease payoff, and that XXXX XXXX would receive the release in about a week. Today, XXXX XXXX, Mercedes-Benz Financial Services says that they applied the {$12000.00} check to XXXX XXXX account, but that they will be sending back the {$30000.00} check to XXXX XXXX in 30 days because the payee is n't correct. However, they accepted the funds and have had benefit of them since XXXX XXXX. Needless to say, I have begun making monthly payments on the XXXX XXXX XXXX. loan. Also, If they send the funds back to XXXX Fed now who knows where it will get applied. If it pays off my new auto loan, I may not be able to get a new loan with the same terms. I want Mercedes-Benz to keep the funds that they have acknowledged depositing and release the lien. Currently, this vehicle has a loan and a lease concurrently. Also, if they feel that there was a problem with the check from XXXX XXXX it should not take 90 days to decide this. If I would have know, I could have gone back to the Credit Union and asked them to change the payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Barclaycard posted my payment to the wrong credit card XX/XX/2016. Subsequently, I have logged over XXXX phone calls totaling more than 29 hours to resolved this issue. Unfortunately, they posted the credit card payment to a business account. The credit card side and the business side are distinct entities who can not communicate to resolve the problem created by posting the payment to the wrong account. Barclaycard has reposted the payment to the wrong account several times subsequent to the initial mistake while charging me interest and penalties indicating that I had not pay the amount. I have been told my manager after manager that the problem was solved. Today I have spent more than one hour again because Barclaycard is attempting to recollect {$1000.00} that was previously paid. Today I was told by the manager that Barclaycard " did not have the time and resources to review all three affected credit card accounts nor the hours of phone calls logged. ''

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 2015-06-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in the process of going through XXXX XXXX XXXX to pay my debt that I have accrued over the past couple of years. They have set up a payment plan that will help me get out of debt in the next few years. I have been receiving calls from Synchrony Bank at my work number when they have my cell phone number as well. From what I understand it is illegal to call a person at work. They have done this repeatedly and sometimes they do n't even say anything and I can tell it is them because my office phone has caller ID. I have contacted XXXX them this and they gave me your website should Synchrony Bank continue to call my office phone. I was instructed XXXX to not take the call and give them their number and I have done so and they still continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-23
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Medical bills were to be sent to auto insurance company for car accident. The was never sent to insurance company for processing, How Remex Inc a debit collector got my phone and acquisitions that they sent me statements and I did n't respond. They never sent any thing and didnot even have the right information. Even after i ask them to send me a bill they gave me the run around and also filed false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an address listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 

XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX/XXXX/17 Transunion removed XXXX credit inquires from my credit report and then in XXXX/XXXX/17 they were added back to my credit file without notification, this is in violation of FCRA ACT. I have attempted to rectify the situation with Transunion directly and several representatives are unable to give me an answer. These are also companies I 've contacted Transunion about in the past and companies I 've contacted directed. Attached are the inquires and I want them removed permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a federally backed loan by XXXX - a government owned company division of HUD. 

I submitted all requested information to apply for modification. The servicer, Gregory Funding, says that they did not receive all my paperwork. I have resent them. They will not confirm receipt. 

I sent via email which I have a copy of. Their preferred method is to have customer log into account and upload the documents directly. When you do it this way, there is not a record of the submittal created. I am at a loss on how to proceed. 

Moreover, I requested a CARES ACT forbearance due to being impacted by COVID 19 and my loan being backed by XXXX, a Federal company and division of HUD. The servicer refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I did not get a response and it 's been months. I just want these hard injuries off of my credit because I did n't try to open the accounts they have listed.

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 2017-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A check was sent to Avant on XX/XX/XXXX to payoff loan. Avant- cashed the check in XX/XX/XXXX. They have not credited my account as of XX/XX/XXXX and refuse to track down check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted TransUnion recently to dispute a trade line entry in the credit report TransUnion compiled in my name. In the dispute I indicated that XXXX XXXX billed me a fee ( note : at termination of the service ) and has failed to provide the details of the charges in spite of repeated written and verbal requests for the details. TransUnion indicated that the dispute would be investigated and a response provided within 30 days. TransUnion closed the investigation without addressing the substance of the dispute ; rather TransUnion performed a superficial inquiry of the original report by XXXX and ignored the context. As disturbing as this is, even more problematic is the fact that TransUnion allowed XXXX to submit this one-time entry of collection status in spite of a 10+ year solid, on-time payment history ( which XXXX did not report ) ; TransUnion facilitating this coercive behavior of XXXX in attempting to collect an unsubstantiated debt. TransUnion has also failed to provide the details of its " investigation '' in spite of my request. It seems unfathomable that a company holds so much power to impact a consumer 's financial health and takes such a reckless approach to a request to have the party that is filing the negative report prove the substance of its report. TransUnion 's recommendation to solve the issue - contact XXXX. If they had responded to my original request for the details of the charge, I would n't be here.. .Reckless!

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 2016-01-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was called at all hours of day & night Some calls at XXXX. Some at XXXX XXXX all west cost time. With them telling me I will go to jail with the warrant. They call friends & family telling them the same thing. Harassing friends and family. Contacting credit reporting agencies several times a week. Report to my credit report five times a week in some cases. Lowering my credit score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: AMERICAN HONDA FINANCE CORP
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Fair debt collection practices act violations:1. Debt collectors are not permitted to ask a consumer to pay more than they proportionally owe [ 15 USC-1692c ] 807 ( 2 ) ( a ). By failing to validate the debt, the debt collectors are doing exactly that. By failing to provide a CERTIFIED STATEMENT OF ACCOUNTING as required under the Uniform Commercial Code Article XXXX. 
2. Sending a paper known as a financial statement that is not signed and or certified DOES NOT constitute as a valid certified statement of accounting [ 15 USC-1692g ] 809 ( b ) and violates the rights of the consumer or borrower. 
3. The debt collectors have added on extra fees that were never provided to the consumer or borrower and is in violation of the FAIR DEBT PRACTICES ACT [ 15 USC-1692F ] 808 ( I ). Because an accurate certified STATEMENT OF ACCOUNTING has yet to be provided, the actual amount purportedly owed is misrepresented and violates the rights and entitlements of the consumer and or borrower. 
4. The purported debt collectors and or financial institution have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
5. The financial institution and or debt collectors are threatening to take property that is not theirs to take. This is a violation of the FAIR DEBT COLLECTION PRACTICES ACT [ 15 USC-1692e ] 807. 
6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law. 
7. After receiving notice to cease and desist all communication until the debt has been validated and verified the financial institutions and or debt collectors have violated federal law [ 15 USC-1692c ] 805 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with Elan Fin Svc # XXXX. The reason for writing today is in regards to several late payments reporting on my credit report beginning in XX/XX/2020 through XX/XX/2020, due to Covid I was unable to make the payments. As soon as I was able to, I got my payments made and were caught up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill on XX/XX/2020 never received anything prior to this the creditor is XXXX I never had XXXX before I've had XXXX  for the last 12 years and they are trying to collect amount of debt of {$350.00} my email address is XXXX I need someone to get back to me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Eastpoint Recovery Group, Inc
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Representative from this agency called my mother threatened to take legal action against me if I didn't call to make arrangements to pay off debt when I kept explaining I was out of work at that moment. I explained I'll be more than happy to make payment plan but I needed time to find a job. The representative kept pushing and tried to involve my family to help me pay off this debt. I finally agreed to a payment plan and she kept threatening to take legal action for a payment I wasn't able to make on time and repeating office getting fee for returned payment. I made them aware of my financial situation but they insisted on having me enroll in a payment plan when I was out-of-work. I'm very disgusted by their intimidation tactics. I'm not refusing to pay. I'm doing my best to catch up with my financial situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have recently successfully completed our chapter XXXX bankruptcy. During the bankruptcy the company demanded large payments throughout the entire year of XXXX of a total sum of around {$44000.00} that has not been accounted for. Toward the end of our bankruptcy we received letters from the mortgage company who took over or bought or loan stating our current mortgage, escrow was substantially increased and they demanded payment and recently we received a certified letter dated XXXX XXXX, XXXX, that they have not received most of our payments for XXXX and a ( Notice of Default and Notice of Intent to Foreclose ) on our property. Our bankruptcy attorney reached out to the company and so did I, but the company would not return or respond to our concerns or answer any of our questions. The company is asking for a sum of {$13000.00} which continually fluctuate. The company also said they did not know of our chapter XXXX had been discharged, but a CERTIFICATE OF NOTICE was also sent to their location. I have a letter that I 'm going to forward to their office which their office would prefer me to fax. I asked if they had a physical address and the reply was no they are a call center. I have supporting documents to validate that their accounting is not accurate. My loan is a conventional fixed loan, so I do n't understand the increased amounts of our monthly payments ; increased principal balance we owe ; increased escrow account ; the company is refusing to accept conforming payments an imposing unreasonable charges, fees and other charges I do n't feel we are legally obligated too. Please investigate this case I will forward the supporting documents I have. 
Sincerely,

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 2016-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am filing a complaint because I was made aware that i had a fraudulent account with XXXX showing on my chex systems file in the amount of {$340.00}. I filed a police report and have attempted to call chex systems to speak to a live person in trying to get this matter resolved and the automated system is not allowing me to reach someone. I need this fraudulent account to be removed from my chex systems file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
A collection agency has sued me in a different city from a debt that is not valid and an error made by the hospital without properly contacting me. My very first contact with them was a summon to go court in XXXX, while I live in XXXX where there are numerous courts. I was not given proper chances to dispute the debt. I was dishonestly billed close to XXXX XXXX dollars for an XXXX and a XXXX, with no prescription and 30 minutes of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Manhattan Financial Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Applied for a Mortgage loan with Manhattan Financial Group got approved with a loan account number XXXX, paid 1st Payment on XX/XX/2016 for a due date of XX/XX/2016. They sent a letter stating that my loan has been sold to new lender XXXX home loans on XX/XX/2016 and the XX/XX/2016 payment should go to the new lender and not to them. My check to Manhattan Financial Group was cashed by them on XX/XX/2016. They are obligated to send this money to new lender instead they kept this money with them. I sent several mails with no response from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2.XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

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 2016-06-29
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I paid off final payment in 2004 and only 3 years ago started getting harassing phone calls and letters of garnishment from this company Overton, Russell, Doerr and Donovan, LLP. 
I only save my important paperwork for 8 years as does most people. 
They sent stuff to the XXXX District court and also on the paperwork are garnishee 's that have no idea what is going on and also I never had any loans with, not even associated with original school loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation