BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: FORD MOTOR CREDIT CO.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Myself and my grandfather had a sales contract for a 2014 XXXX, of which we fell back on payments due to outstanding reasons. We were XXXX payments behind and had contacted our lender in order to arrange a full payment of the past due amount to be paid along with the next payment. The day the check arrived, a repo company showed up at my home to repossess the vehicle. The repo man knocked on our door to find that my wife answered, he proceeded to ask if I was there and she told him no. At which time he forced the door open and entered my home. Our XXXX service dogs attempted to protect my wife by becoming aggressive towards the man. my wife had to pull a XXXX handgun on the gentleman to make him leave the home. Once he did he proceeded down stairs where they were hooking our car up to a " repo '' vehicle. My wife warned them that the hand brake was applied and she was willing to provide the keys to the vehicle. The XXXX men refused this and began to drag the car, at the same time my wife attempted to record the ongoing confrontation but was prohibited by XXXX of the repo men by him slapping the phone out of her hands and to the ground, shattering the screen. About this time I arrived home and found my wife in complete disorder and she showed me how far the car had been drug, which was about XXXX yds away from its original position. During the time that they dragged the car they blew the parking rod and dropped the transmission and let debris, skid marks, and fluids all over the parking lot. Next I attempted to ask the men to allow me to retrieve some sensitive information out of the vehicle and to obtain the vehicle 's license plate to return it to the XXXX. They denied my the right to take the tag and made me sign a blank document to retrieve my valuables out. After the " repossession '' was over myself and my grandfather contacted the financing company and told them what had happened, we received no answer from them and were told we would receive a call back ASAP. During this time I called the check writing authority and they informed me that the check was about to be cashed at which time I instructed them to cancel the check because there was a breech in my agreement with the financing company. We never heard from them until bout XXXX months later by being served papers to appear in court and we owed them a large sum of money. After further review of the sales contract we found that they may repossess the vehicle but must due so peacefully and within the limits of law, which they did neither of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Trident Asset Management, L.L.C.
State: MO
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:
A collection agency has a false statement on my file about a returned check. I called this company and they told me they did not have the check. I called my bank they told me they did n't have it and called the company the check and they told me they had no record of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.

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 2016-07-22
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been receiving numerous phone calls from a debt collector named XXXX XXXX from Mandarich Law Group LLP. He has been threatening me that he will take XXXX % of my check and will go directly to my boss to take away the money. I was part of a fraud scam, since I had fallen for an add on the TV stating that for monthly payments they would help lower my credit card payments. Long story short, it was all a lie and that company I had made arrangements with, sold the company numerous times and did n't resolve any of my credit card debt. Now I have this hostile person harassing me stating he will take away from my weekly paycheck, and being that I am a single mother, money is already tight as it is and their is no need to be so unreasonable as for him not to even want to negotiate with me.

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 2021-03-05
Company: Westlake Services, LLC
State: NJ
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:
I paid the settlement with Westlake Financial. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance on my home loan on XXXX of 2015. Since I submitted my request for review, I have been assigned XXXX representatives, I was sent letters of any missing documents, in which I returned all items as requested. I was contacted in XXXX of 2015 and advised that I had been approved for the Hamp Trial Program. I did not agree with the offer, since the payments were still too high for my fixed income. I requested an appeal on XXXX XXXX, and no response has been provided. On XXXX XXXX, 2015, I received a letter from Wells Fargo dated, XXXX XXXX, 2015, stating that my payment would increase from {$560.00} to {$1000.00} a month, effective XXXX XXXX, 2015. No explanation was given to as why there was an increase or at least a 30 day notice. When I spoke to the representative at Wells Fargo, she was unable to advise to why the increase and unable to provide status of appeal. In addition, prior to starting the review, I set up an escrow account for taxes and insurance and I was told by the representative that I could cancel in the event the hamp program was not accepted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon reviewing my credit report in XX/XX/XXXX I noticed Bank of America had to account numbers listed. One account appeared " closed by consumer '' which I did not close and a new account was opened. 
I then went on Bank Of Americas website that verified the last four digits of the account that was closed. I requested all applications, statements to rectify this situation. Bank of America could not produce in a letter I received on XX/XX/XXXX the letter stated the information my have been lost due to a conversion. I then called customer service XX/XX/XXXX and spoke with XXXX who informed me that this may have occurred to a data breach Bank of America experienced. I was never informed of a data breach nor did I close an account and request a new account to be opened which was done.

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 2021-03-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX I noticed a larger monthly payment for Home Depot. I called Home Depot customer service and Spoke with a representative who informed me that there were two accounts in my name. The account was opened when home Depot had a breach in XXXX, all transactions default to my bill. I requested information on the other account along with transactions, statements all receipts for both accounts. I still have not received any response. I sent a follow-up certified letter and still have not had any response pertaining to my request for documents. I have filed a police report.

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 2021-03-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX We bought a used XXXX pickup from XXXX XXXX, XXXX, Tx. They have been out of business for a long while. It was financed through XXXX XXXX XXXX, Ky. They are now merged into Chase Bank. The loan was paid on time but all that we have is a non negotiable title. Somehow 21 yrs. ago a clear title was not issued. We licensed, insured and used the vehicle for all this time. It was 2 weeks ago, when we wanted to sell it to a junkyard that we discovered we couldn't get a clear title because the lien was still on the title at Texas DMV. The title number is XXXX. Chase Bank refuses to discuss the matter. They have provided no avenue to resolve this. We are not customers of the bank. The truck is a XXXX XXXX pickup. The vin number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Saturday, XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud on my account and replacing my card that indicated that they send the request to another business or unit who process of mailing the New Bank Card. The make seem like XXXX comes to the office and issues the bank card the is not true a tracking number is imputed on labels so you do not have wait for tracking number. Then if you establish Business you also order printed labels with you business name and address, account and the Track number is on the right side of the label. So why do Navy Federal Credit Union Customer Service and Supervisor make seem extremely hard to obtain a Tracking Number for them to mail a replace Debit Card when they wo n't have to replace it if that did n't allow unauthorized charges, fees, to be subtracted the account and they secure their member account your assistant with this is greatly appreciated. Please make sure this Credit is working according to United States Federal Regulation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an existing complaint with your office. Re : Loan number XXXX with Carrington Mortgage Services , LLC . The case is still pending I received a letter today XX/XX/2021. The letter mailed to me is dated XX/XX/2021 indicating that I withdrew my application. This statement is not true. I never withdrew my application. I am requesting that my statement that I never withdrew my application be included in my pending complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are two XXXX XXXX card listed on my credit reports which I've disputed and the negative information still has not been removed. For one account it is listed as a charge off of {$2400.00} in XX/XX/XXXX, but with a credit amount of {$1500.00} that month and pays as agrees status through XX/XX/XXXX and a delinquency first reported on XX/XX/XXXX, but also first reported in XX/XX/XXXX. This is all incorrect, obviously, and should have been removed from my report. For the second account there is a charge off amount of {$2300.00} in XXXXbut with no balances for that year, only for XXXX and no available credit ever listed. I've repeatedly requested this negative incorrect information be removed as well. but it has not been.

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 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reporting as a collection item, with a current balance. This account is not my account has not been verified and not accurate. With each Bureau it shows a different amount and starts and stop date. Fields 17 and 12 have information that does not match. Most important this is not my account.

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 2015-11-16
Company: ORG GC GP Buyer, LLC
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:
So I paid GC services in full for a traffic ticket in XXXX 2015 due to an error ( court changes ) in long beach courthouse they were telling me I still owe XXXX $ after many attempts in person and over the phone to get the paid debt removed it 's still has shown up keeping me from getting a license in the past. They also agree and gave me proof that I paid but it is still showing up online and at the dmv.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i was a victim of identity theft and theirs a XXXX credit card account on my credit report that does n't belong to me. United collections bureau are contacting me non-stop trying to collect the debt from me.

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 2015-09-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I want to create a situation to safely pass along my account to my daughter and nobody will comment on how to do it. They say I need 3rd party legal advice and 3rd party legal advice only knows so much. I want to know risk and terms regarding the ending of my account when I pass away and nobody answers those simple questions. I want to know if a debt holder could find out about my giving my account to my daughter who has unpaid debts, but nobody will answer that simple question as to what the bank will show in any availability to debt holders. 

I am widow of retired XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/2021 my credit report was updated to reflect that this account will remain on my credit report. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt. 

The account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  amount : {$13000.00} As of XX/XX/2021 I never received written correspondence informing me of the dispute results.

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 2021-03-05
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Back when Navient picked up my student loans last year from my previous lender they improperly applied my existing payments ( I was six months ahead ) to their loans and then told me I was behind in payments and they were going after my credit if I did n't pay. This forced me to pay early, which I could afford, but was definitely intentional on their part as I spent hours on the phone with their customer service providing written evidence of proof of previous advanced payment. They refused to change my payment due date to the correct advance date even when faced with indisputable evidence of my payment history. I had assumed they were just incompetent and gave up fighting them, but when I saw the news article this morning that the CFPB was filing a lawsuit I realized I was n't alone and this was systematic and intentional. I wanted to add my story to the pile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX we sent a FAX to our lender requesting a payoff amount for XX/XX/XXXX. Today is XX/XX/XXXX and we have heard nothing. A call resulted in a promise that they would process the amount and FAX in 24 to 48 hours. Who is responsible for the adjustment if the check arrives after XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have mailed our payments in a timely manner to XXXX Mortgage, the payee described in our loan documents, to the address provided in our loan documents. These payments were forwarded to LoanCare by XXXX, without our knowledge, until XXXX XXXX. Our checks cleared after the grace period, but were endorsed by XXXX. We had no idea we had late charges until XXXX XXXX. We had no idea we had credit damage until XXXX XXXX. 
We did not receive notice that our loan servicer had changed until XXXX XXXX, as all lender correspondence was sent to physical address. Our home is rural and does not have mail delivery. Our mailing address was described by the lender on their closing docs, which we signed. The lender sent email positive email confirmation of payment without reference to late payment, fees or notice of negative credit reporting. 
We have tried repeatedly to both verbalize and in writing to state our understandable position to LoanCare, but have been met with delay, defensive posturing and red tape. We are pushed to defend our integrity. We feel our lender takes a " deny first and always '' service attitude, shuffling us up bureaucratic ladders with delay if we resist. Our pleas fall on deaf ears, and we are frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my home in XX/XX/2016 This account is closed and is not released of record yet. Per Guidelines, my mortgage lender has XXXX days to process and release of record. This is still posting negative reporting as a late payment and this home is no longer in my name and my lender got wired the funds at closing?! Please help me get this released of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am concerned that I received an email from my homeowners insurance company that LoanDepot has not paid the insurance premium via escrow. I tried to call LoanDepot and inquire however no CSR could find our information. 

Out Mortgage Loan # XXXX The property address is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Please advise.

Company response to consumer: Closed with explanation