BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: Eastern Management Group LLC
State: IN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was recently contacted by a XXXX XXXX from telephone number XXXX. She told me she was with a location service. She then went on to accuse me of Internet fraud. The person in question then went on to say that I owed {$1600.00} to the Eastern Management Group and she was collecting for them. 
Prior to this phone call I received a call from my ex-husband my son and my current spouse who she had contacted stating she was trying to find me because I was being charged with internet fraud. This woman at badger in my son at his place of employment continuously asking him is this the kind of stuff she does. And then when I talk to her, she stated my son replied yes this is what she does. My son never stated that. 
This woman continue to harass me stating that if I did not pay her the full amount today she would send out a process server and I would be arrested, she also threatened my XXXX license. 
I requested documentation to verify that this loan was even mine and I also asked her to send me a disclosure about her being a debt collector I received neither one. 
XXXX XXXX informed me that I did not get back with her with a payment she would then contact my employer and have my wages garnished.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX companies involved XXXX ( accnt # XXXX ) and Dovenmuehle ( accnt # ending in XXXX ) both working under XXXX XXXX XXXX XXXX loan # XXXX. 

My wife and I are both in the military and we are trying to buy / close on a house in the next 30 days but I cant make the offer until I have a letter from XXXX to clear up a problem I did n't create, but I am doing my best to fix. Dovenmeuhle was servcing our loan since the refi XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Lender-live. In spite of multiple attempts to give address corrections to Dovenmuehle since XX/XX/XXXX, Dovenmuehle failed to make corrections to our mailing address and also inform us of the account changes. Even Dovenmuehle sold the loan to XXXX XXXX, they continued to cash our checks. XX/XX/XXXX-XX/XX/XXXX they forwarded our money to XXXX XXXX, however in XX/XX/XXXX they stopped forwarding the money to lender-live, however continued to cash our checks vs returning the checks to our banking institution ( XXXX ). The only reason we became aware of the now 4 months past due amount on this loan for our rental property in XXXX is because we are trying to buy a home here in XXXX since XXXX. Our credit score was in the XXXX 's back in XXXX and now they are at XXXX and we need this black eye removed from our credit ASAP so we can buy this house and get kids in schoolWe have brought the account current by taking XXXX dollars out of our savings because Dovenmuehle refuses to tell us when we will have our money back. XXXX refuses to acknowledge the mix up and provide us a letter to clear the issue up with the ( XXXX ) credit companies. My wife and I own XXXX homes as we have spent the last 20 years in the service to our country and through deployments we still have religiously paid all of our bills through the XXXX bill pay service every month for payment on this property ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and every other property. 

I confident that when you review the attachments outlining the facts, you will see that we are not at fault here and an investigation into this prepdatory lending on all the above named parties in warranted. Its not fair that they are taking advantage of us in this fashion when we have earned our income fighting for this country and paid our bills! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX need a letter signed and emailed to me ASAP that outlines that the pastdue amount has been brought current on this account on XX/XX/XXXX and anyreference to late payments or past due amounts removed from my credit filecompletely. I need this for both me and my wifes credit ( XXXX # XXXX XXXX ) School is getting ready to start and I need to get my family moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my hunsband got laid off from his job that he bend have for XXXX something years.we had to let our car go back .son had to come back from collage.we coundnot afford my house payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: AMERICASH
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, XXXX, I applied for home refinancing online with Americash. The loan officer said that if my loan is approved, it would take no longer than 45 days to close the escrow. I submitted all the paperwork they requested and I paid {$39.00} to send the documents by XXXX overnight on XXXX/XXXX/XXXX. The loan was approved a week later and more documents were requested which I promptly provided. I was approved for {$510000.00} to pay off my XXXX mortgage, my second mortgage, and my student loan payable in 30 years at 4.25 % interest. On XXXX XXXX, XXXX, the loan officer said that my debt to income ratio was too high and that I would need to have a co-signer for the loan. My daughter agreed to be a co-signer. The loan officer also modified my loan to pay off {$6000.00} that I owe on my credit card from the previous month. The new loan came up to {$520000.00} payable in 30 years at 4.375 % interest. More documents were requested and were provided promptly on the following business days. On XXXX XXXX, XXXX, the loan officer called me up and said that my loan refinancing is being put on the back burner because there were many loans that have priorities that need to close before the end of the year. Finally, on XXXX XXXX, XXXX, I got the final approval from the loan processor and she said that the earliest we could close the escrow was XXXX XXXX, XXXX I made an appointment with the notary public to come to my house after work on XXXX XXXX. The papers were signed, sealed, and delivered. The loan was scheduled to be funded on XXXX/XXXX/XXXX. The loan processor requested my latest XXXX pages bank statements and I sent the statements to both the loan officer and the loan processor. I even provided a copy of a canceled check and deposit that they requested. That was ten days ago but the loan has not been funded yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AR Resources Inc contacted me on my cell phone on XXXX/XXXX/15 claiming to be a debt collector, but they would not tell me who they represented until I verified my PII ( including the last XXXX of my social security number ), which I would not do because I know I have no outstanding debts. They refused to tell me who they represent, so I told them that was against the law and they ended the call. Friday XXXX/XXXX/15 I received a paper collection notice in the mail from AR Resources Inc, claiming to be collecting on behalf of XXXX in the amount of XXXX. I did have XXXX claims for that provider, XXXX on the date of service they listed ( XXXX/XXXX/15 ), but the amounts did not match either claim, both which have been paid. I logged into my insurance website to review my explanation of benefits. The standard charges for services rendered that date were XXXX and the contracted rate between XXXX and the provider was paid on XXXX/XXXX/15 in the amount of XXXX. This company is trying to collect the difference between the standard fee and the contracted fee the provider would charge, which is fraudulent. That amount does not exist to be collected by anyone, as the contracted rate between the insurance company and the provider has been paid. They were aggressive on the phone and refused to identify themselves and now, they are trying to collect on a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: AR Resources, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called ar resouce inc that has my medical loan. After getting diconnected and the agent calling off a different number then i called on. The agent continued the conversation without reverifying who i was or doing the mini miranda again or told the calls being recorded.I asked them the lowest payment i can make. The agent advised me she can do a settlement. I asked her whats the longest i would have to pay off the settlement the agent said a month. I advised i cant do that whats the lowest payment i can make. The agent then told me well i can break the settlement off into 2 monthly payments. Yet that was not the answer i was given when asked how long i have. Again i advs agent i cant do that and again asked whats the lowest payment i can make she advised me $ XXXXs. I asked if i can make a {$5.00} payment she said no. I stated so i cant mail in a {$5.00} payment. Rudely agent said well yes. I then asked so then can i go online and make a {$5.00} payment rudely again she stated well yes. I asked for the information to make a payment online was given info thats not working and asked for it to be mail. Gave the infomation then hung up on me. I then called back asking for a supervisor and was told i can transfer to a voicemail. I asked when is one available and the agent just tranfered me to a voicemail in which i still have not recieved a call back and its been a month. Let alone the fact of being given deceptive information This is the worst practices of an agency that ive ever dealt been forced to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was opened in my name with XXXX on XX/XX/2022. Experian has " investigated '' and said that XXXX confirmed the information to be correct which it can not be as I have contacted XXXX and they have an open investigation open. They told me they tried to change the address on the account to somewhere in XXXX, I live in XXXX XXXX  and my previous living was in XXXX XXXX and XXXX XXXX. I never applied for credit or checking or savings with XXXX and I don't understand how this information could have been verified with an ACTIVE FRAUD investigation underway.

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 2016-06-16
Company: The J. G. Wentworth Company
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Currently, I am in a short sale process. I have a been trying to get a hold of my 2nd mortgage lender to proceed with the short sale. However, they are telling me, my real estate agent and the title company that they do n't have any information about my loan. 
Last year I started a short sale process, which I received the enclosed approval letter from the 2nd lender-Weststar Mortgage. However, do to the buyers and my previous real estate agent we were not able to go to closing. I relisted the property for sale earlier this year and we continued a new short sale process. Now, that we need the 2nd approval, we can not find the servicer or lender that has the 2nd loan. We have tried to reach to Weststar Mortgage ( who had the mortgage last year ) several times. They are not helping us and are being very rude about it. I have pulled my credit and no 2nd mortgage is reported. I went to XXXX and the MIN # is not pulling up anything. But, I am not able to sale because there is a 2nd mortgage recorded in XXXX XXXX and it 's showing up on the title search. No release has been issued for this loan. So, I am currently stuck with the and I 'm not able to sale. 
I am reaching out to CFBP for help. As I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My prior loan servicer, Select Portfolio Servicing ( SPS ), is reporting my account as " foreclosure started. '' However, foreclosure proceedings were never initiated. 
On XX/XX/2012, my account was transferred from XXXX to SPS. Prior to that, I entered into an agreement with XXXX under XXXX 's Cooperative Short Sale Program. The loan was not referred to foreclosure by XXXX. 
SPS informed me that they did not participate in the " Cooperative Short Sale Program, '' but instead invited me to participate in " Cash For Cooperation ''. I accepted the invitation and the account was settled in a short sale. 
Thus, SPS is incorrectly reporting my account as " foreclosure started ''. This is damaging my credit score and causing me to pay significantly higher interest rates on financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: PNC Bank N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank checking overdraft account. A problem arose in XXXX when XXXX XXXX continued to draft a monthly payment from my checking after I had cancelled service with them and temporarily stopped using this checking account at PNC while out of the country. When I returned I discovered the error, XXXX reimbursed me, and I asked PNC to waive the overdraft charges. They refused. Within three months they closed the account and charged off the balance. In XXXX I contacted PNC and asked if I could pay the balance, in exchange for their cooperation with my credit reporting, and they agreed to report the status as " paid in full '' if I paid them {$1000.00}. I paid them that amount on XXXX XXXX, XXXX. They continue to this day to report the status as " Collection/Charge Off ''. I continued after my payment to call them and correspond with them to ask them to comply with what they had agreed to do. In the course of that communication, I discovered that the actual amount they " charged off '' was {$410.00}, which would be the amount they reported as a loss ( charge off ) for their taxes. This is listed on my account, in their computers, and I was given this amount over the phone by two PNC employees. This would be due to the fact that they sold the debt to numerous collection agencies, which would be income. When I began discussions to pay the " charge off '' amount, PNC repeatedly told me the amount was {$1000.00}. I had received offers from several of the collection agencies to settle the debt in amounts in the $ XXXX {$500.00} range. I did not trust that offer, and so I contacted PNC directly. For XXXX, PNC will be reporting my {$1000.00} payment as income. When the {$660.00} in income from the sales to collectors is added in, PNC has made a handsome profit on this account. The current status of the account is " Paid in Full '' - but PNC refuses to report this status, as they agreed to do, and they have dealt in bad faith with this account from the beginning when they refused to waive the overdraft charges, they lied to me point blank when they told me that they would report the account as " paid in full '', they lied to me repeatedly about what the " charge off '' amount was, and they continue to operate in a vindictive bad faith manner, with the groundless claim that they are " obligated '' to continue to report the account as " collections / charge off '' I demand that PNC report the status of this account as " paid in full '' - as that is the current status, and it is what they agreed to do before I made full payment. 
An interesting final note, when I asked for paid in full reporting status " if '' I paid in full, I asked for their agreement in writing. They refused. They said 'trust us '' - It is illegal to lie to customers in a collection process

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I have a car loan with BMW through XXXX. Our payment is {$500.00} a month and which we signed up for. We 've had difficulty making our payments the last few months. We asked them to refinanced it and they said we were not approved. We told them more than once that it is hard to make our payments and they have not given us any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: J J Marshall & Associates, Inc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been trying to get validation of a debt that is being held by JJ Marshall & Associates.What they sent was a print screen and what is reporting on my credit report does not even match what they supplied. Also I asked for a break down of fees, payment history and copy of the signed legal agreement and again the only sent me a letter and print out screen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Professional Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation