BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: McCarthy, Burgess & Wolff, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collector has called several times per day and left messages for approximately one week. On XXXX/XXXX/2015 they called my wife 's cell phone, she asked for the debtor 's name and they refused to tell her. Today I called back and left a message, soon after the collector called me back. At that time he refused to tell me who I owed the debt to until I gave him more personal information. I refused and said who do I owe the debt to and he refused to tell me. 

To date we have not received any validation notice as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Rausch, Strum, Israel, Enerson and Hornik, LLC did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously filed a complaint against PennyMac Mortgage ( Case number : XXXX ) that was never resolved by the cfpb. The complaint then and now, is that the lender is taking advantage of consumers who enroll in the PennyMac Autopay Biweekly payment program and unfairly NOT reducing the principle balance of mortgages when the biweekly payment is received. The attached payment history clearly shows that biweekly payments are received, but the principle balance is not reduced at all until the end of the month. Meaning that consumers are unfairly paying interest on the incorrect 'higher ' principle balance for those couple weeks each month. PennyMac continues to refuse to apply the principle portion of the biweekly payments to the principle balance when it is actually received. The whole reason for enrolling in the biweekly payment program is to pay off the mortgage early and reduce interest payments over the life of the loan. This practice of NOT applying the principle portion of the bi-weekly payment 'as soon as it 's received ' and waiting until the end of the month, is unfair predatory deceiving and not understood by most consumers. The impact of this practice over the life of a 30 year mortgage is substantial and to the benefit of the lender not the consumer. While PennyMac may have disclosed this practice in fine print somewhere, most if not all consumers do not understand the negative impacts of this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? 

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. 
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. 
The name, address, and phone # of the original creditor, since you are a third party collection agency. 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The Huntington National Bank willfully deposited several Social Security & other checks on which I, XXXX XXXX, was the payee and had not signed in to a checking account ending in # XXXX on or about XXXX, 2012 and continuing beginning with {$31000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX of 2015 I purchased a car from Drivetime in XXXX. I was given temporary plates and was told that my permanent plates would be mailed to me. The expiration date on the plates was approaching so I called. " They are on their way. '' I called everyday for 2 weeks. Nothing. My son went to the store for me and was pulled over, 1 day after the temps expired. He was ticketed. I went to the Drivetime store and spoke to XXXX, the GM. He stated, " I am so sorry. Your car 's file was placed in a drawer with some others and the paperwork for registration was never sent out. '' He then proceeded to ask for the ticket and my insurance information. He stated, " I will make sure this is taken care of before the court date. It was our fault. This is our responsibility. '' I was given another temporary plate and when I asked for the original ticket, he said he needed it for payment. 
Through XX/XX/XXXX I have been calling, and following up. It escalated to Customer Relations where I was speaking to XXXX. Per XXXX only part of the initial ticket would be paid even though XXXX said it would all be taken care of. And then when I called again, I was told by another rep that XXXX would no longer be taking calls from my on this matter. It was considered closed. 
We have not received any letter from the courts so we thought the matter was indeed taken care of. My son, who is now XXXX, is swearing into the military this week. We find out that NOTHING has been paid and my son has WARRANTS!! When I call Drivetime, I speak to XXXX who has to " research '' this because it has been 6 months and then says, " If I were you I would get a lawyer. '' Then she follows it up that they will only pay a partial cost of the fines as XXXX initially stated. 
I 'm sorry but after almost a year of fighting with this company, not even including the mechanical issues I have had with the car is just to much! If they had done their job filing the paperwork there would never have been a traffic stop to begin with.

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 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Never received a bill for the following charges : Very suspicious and confusing way of billing me- via phone text messages First charge was supposed to cover total amount for service and parts XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$490.00} XXXXXXXX XXXX XXXX This charge was confusing and surprising - came out of nowhere XX/XX/XXXXXXXX XXXX XXXX XXXX {$220.00} XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23
Company: DriveTime
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I requested and received a {$400.00} payday loan from XXXX on XX/XX/XXXX. I lost my job on XX/XX/XXXX however I continued to make my payments of {$71.00}, twice per month as agreed because I could not do more to pay off the loan. I did notify them and they would not work with me to reduce interest or to stop interest charges. Although they did not argue that I could not make a payment XX/XX/XXXX, they are now charging me approximately {$130.00} per month with just a few dollars going toward the principal balance. I am still unemployed and not from a lack of diligently seeking employment. I have to borrow money to pay this loan! I have asked XXXX to work with me but they will not. To date, I have paid XXXX approximately {$630.00} and they told me that they would be charging me {$130.00} for another 8 months or so!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Capital Management Services, LP
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX sold my debt to XXXX management. I fell behind on a payment and before I could settle they sold the debt. So I feel they are n't the ones to be paid. Although the they have received payments from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: TSC Accounts Receivable Solutions
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:
TSC is non-responsive and is not providing any form of verification, either in this or the other responses, nor over the phone. What XXXX XXXX provided is simply a copy of a bill in my name. I believe this bill was made in error and have requested proof that I was the one that received this service. A simple bill with my name on it does not prove this is my bill. As it is not my responsibility to prove this debt, I consider this debt invalid until TSC can prove that this is my debt and not an error on their side or the originator of this bills side. 

My Rights Under California 's Fair Debt Collection Practices Act and TITLE 15 -- COMMERCE AND TRADE, state that I must be provided proof that I owe the debt. Simply providing a bill with my name on it is not proof of responsibility. The fact that TSC states that they " believe '' this " account is accurate '' is just their opinion, not proof or validation of the debt. As such TSC is violating my rights. 

In addition, TSC has not proven that if this is even a valid debt, that they have been assigned the debt for collection. 

As I stated before, the continued reporting of account, # XXXX, for the current amount of {$220.00}, without all the above validation has caused me harm, and will continue to cause harm. As I have now brought this to their attention multiple times, and their refusal to remove this from my report until such time as they can provide debt validation, is a violation of my rights under the California 's Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX/XXXX/XXXX i checked my credit report and noticed that an account that was DELETED on XXXX/XXXX/XXXX was re added to my report. I WAS NOT NOTIFIED THAT THE INFORMATION WAS GOING TO BE RE ADDED TO MY REPORT After per Experian " when an item is deleted it is removed from your credit report and taken steps so it does not reappear ''. That is not the case!!! this account needs to be removed from my credit report ASAP. I have attached the copy of the letter received from Experian confirming that the account was deleted. My true credit report is not being shown. The account is XXXX XXXX XXXX act # XXXX! Also the account XXXX XXXX XXXX is a fraudulent account that i have advised multiple times does not belong to me and was open fraudulently. i also advised multiple times that the name XXXX XXXX does NOT belong to me! I demand this account & name be removed ASAP or legal action will follow!

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 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received 96 month fixed term loan from Bank of America. Made XXXX payment XX/XX/XXXX. Made last payment XX/XX/XXXX. I have made XXXX consecutive payments of amount due and have not missed XXXX payment. I have paid more than amount due totaling {$990.00} and overpaid by XXXX payment ( {$440.00} XXXX. B of A says I still owe them {$6500.00}. How can I owe them, if I followed terms of loan? I wrote them back XX/XX/XXXX and letter came back undeliverable. I was concerned then that my balance was not going down. I filed complaint with you and received response from B of A XX/XX/XXXX. Letter said fixed term loan for 96 months. I do not owe them and I do n't want them to ruin my credit. If anything they owe me for overpayments I made. How can I get this corrected?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$920.00}

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 2017-03-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When closing for my home mortgage on the property at XXXX MD XXXX. I closed with a mortgage company who after my closing sold my Mortgage to PennyMac. During closing I was told to purchase home owners insurance on the property which I did. For the value of {$390000.00} i was only required to have {$330000.00} of coverage as what was estimated at far market value to replace the home. Today XX/XX/2017 I received a letter from PennyMac istructing me that I must increase my insure coverage ( the letter by the way was dated XX/XX/XXXX ). Upon speaking PennyMac on XX/XX/2017 they infomed me is must increase my coverage to {$5000.00} dollars past what is on the current loan. I was told that this was THEIR policy. If I did not do this then they said PennyMac would buy insurance for me. I believe this is in violation of my mortgage agreement that I signed at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: COMMERCE BANK
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had an account opened a XXXX Credit Card ( I believe, it may have been a debit card ) at Commerce Bank, without ever asking for it, similar to those who had accounts opened at XXXX XXXX. This card was offered to me every time I went into the branches, so I know it 's something they were pushing. Without anyone reporting this, we 'll never know if this was one person 's mistake, or a bigger issue, so I want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a mortgage through PennyMac. My husband has not worked for 5 years now and he is not really able to work now because of health issues. He called PennyMac and asked them about removing the PMI from our loan to lower the payment. In the conversation, the person he was speaking to told him that he would be better off if he missed a payment, that way he would qualify for some of the new programs that help people who are behind in the payments. So we talked about it and decided to do that and then we used the money to pay some utility bills that were in arrears. Then they told us that we did n't qualify for any of the new programs and started being very aggressive about collecting the payment that we missed. Now, each month, they show that we are 30 days late on our payment. That 's 4 months that we have on my husband 's credit that shows we are 30 days late on the mortgage which makes it so that we ca n't do a VA loan to get the PMI off our payment. This month they sent us a letter saying they were going to foreclose because of the missed payment. My husband told them he only missed it because they told him to miss it but they said " No, we would never have told you that. '' We do not have the money to make up the late payment, but there should be someway they could put that payment on the end of our mortgage and remove the 30 days late notices they 've been putting on our credit so that maybe we could refinance and pay some of our bills and still have a mortgage payment we can afford.

Company response to consumer: Closed with explanation