BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: Oracle Financial Group LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from Oracle Financial Group saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( XXXX XXXX XXXX ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted XXXX XXXX XXXX which informed me my debt was half what ORACLE FINANCIAL GROUP stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while ORACLE FINANCIAL GROUP is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
DENIAL OF HAMP MODFICATION BECAUSE OF FAKE MORTGAGE NOTE The purpose of this complaint is to request an explanation of the reason we were denied a HAMP Modification. The Master Servicer XXXX XXXX XXXX and Co-Servicer Bayview Loan Servicing have denied a Hamp Modification due to the fake note and fake mortgage documents the Master Servicer XXXX XXXX XXXX filed with the XXXX XXXX Recorders Office. 
On XXXX XXXX, 2016, I received Hamp Modification denial notice dated XXXX XXXX, 2016. On XXXX XXXX, 2016 notified XXXX XXXX in a Qualified Written Request and stated I had concerns regarding why we were denied for a HAMP MODFICATION and to please send Hamp Modification Program Guidelines, laws, rules and regulations why we did n't qualify. The denial contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. XXXX XXXX stated she would get us more information explaining the denial and why ; however, XXXX XXXX never did. XXXX XXXX asked me not to contact the Bayview Loan Servicing Hamp Escalations or the Consumer Financial Protection Bureau regarding this matter and to give her some time to respond. Although I asked for the denial of the Hamp Modification information on multiple occasions, Bayview Loan Servicing and XXXX XXXX failed to provide an answer to the QWR and respond to me. Therefore, I am now requesting the reason for denial of Hamp Modification again and as before requesting not just the reasons given on XXXX XXXX, 2016, because those reason contradicts paperwork received from the Master Servicer, XXXX XXXX XXXX. ( SEE EXHIBIT A ) On XXXX XXXX, 2016, we received paperwork we were denied for a Hamp Modification reason stated : " Minimum required reduction : We are unable to offer you a HAMP modification because in performing our underwriting of a potential modification we could not reduce your principal and interest payment by at least XXXX per cent. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a decrease in my credit score from XXXX on XX/XX/XXXX and upon looking at why, it showed that a collection agency had filed against me. I called the Caine and Weiner debt agency and enquired about the account. Apparently I have been a victim of identity theft because it was an amount of {$280.00} that originated from XXXX for a XXXX XXXX, this account was opened in XXXX. I explained to them that I have never owned a XXXX XXXX or had an account with XXXX. I have been informed by XXXX  ( paid company to monitor my credit/personal information ) that my phone number has been seen on the dark web, and whoever used my information, may have used my phone number to get the information. They also had my driver 's license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Debt Management Partners LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or 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 explanation
Consumer complaint received 2017-05-19
Company: AES/PHEAA
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:
AES/XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information sinceXX/XX/XXXX2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, XXXX XXXX XXXX XXXX, and proof of identity to AES/XXXX back in XXXX 2017. After multiple calls I did n't receive an XX/XX/XXXX XXXX XXXX from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my XXXX XXXX XXXX. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from AES/XXXX  actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My late mother and I are Borrowers on a XXXX XXXX XXXX home mortgage loan. We signed loan adjustment agreement documents to modify my loan agreement with Bayview Loan Servicing , LLC, in XX/XX/XXXX. My mother passed away suddenly in XX/XX/XXXX In, XX/XX/XXXX I signed loan adjustment documents and forwarded all of the requested information and my mothers death certificate, via mail and facsimile ; still, as of today, the loan has not been converted to the new loan terms. I have been attempting to work with Bayview Loan Servicing , LLC to modify the loan terms, with XXXX XXXX XXXX Bank due to my mothers untimely passing and changes in my finances and my ability to continue to make the loan payments under the original loan. On XX/XX/XXXX, Bayview Loan Servicing , LLC, sent me another permanent loan modification agreement that would take effect upon completion of the Stipulation Agreement. I signed and sent that agreement back to Bayview Loan Servicing , LLC, on XX/XX/XXXX, I made timely loan payments under that agreement, but Bayview did not change the loan terms. Bayview still has the original loan terms XXXX payment, rate, etc. ) in its system. I received notices from Bayview Loan Servicing , LLC that my loan is delinquent and they have threatened that if I do not bring the loan current, it would start foreclosure proceedings. I contacted Bayview Customer Service and the asset manager assigned to my loan explaining that my loan was modified. They agreed that the loan was in a modification and that I was to ignore the pre-foreclosure notices and continue to make payments under the modification agreement. I have been sending in mortgage payments since XX/XX/XXXX, I was told by the asset manager that they were in the process of converting the loan terms. While this is all going on, Bayview was reporting to the XXXX major credit reporting agencies that I was delinquent on the loan. I am now leaving in fear that Bayview Loan Servicing , LLC, is going to foreclose on my home. I have been making timely payments to prevent foreclosure proceedings and I have complied with all the loan terms I have agreed to. Still, they want to take my home and I am not sure how to XXXX this But, I do know that i should not have to leave in fear of being homeless, when I have done everything I was asked to do XXXX times now over the course of a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
My Complaint is against Synchrony Financial I believe strongly that Synchrony Financial is falsifying my XXXX Accounts with both XXXX XXXX & QVC regarding Late Fees and interest charges.It appears that Synchrony is also misleading both myself and CFPB when it comes to refunding the Late Fees & Interest Fees.This months Bill reflected XXXX Credits in the amount of {$70.00} for Late Fees than turned around and reapplied another Late fee XXXX the Minimum Payment along with the {$70.00} that was suppose 2 be credited Back so the way I see it Synchrony never went into their system 2 remove the Late Fees which now stand @ {$140.00} .Now for the past 2 months I have sent 2 Dispute Forms 2 Synchrony disputing their fraud and they are still doing the same Fraudulent act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
my loan with bayview loan servicing was sold to XXXX on XX/XX/2015 according to XXXX there was no escrow in my account to transfer to XXXX.my mortgage was then increased by XXXX as you have to have XXXX to start escrow .I can not understand what happened to the escrow acct with bayview loan servicing.i get help from nj tax freeze every year. I can not understand if I had to have XXXX. XXXX for escrow to started with XXXX did I have extra money the the bayview account. also my mortgage was sold to XXXX 2x in one month what is that all about.also I would like this resolved with bayview as it has really messed up my loan with XXXX. I have contacted the dept of banking reguarding both of these companys. as I think they should not be allowed to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Experian Information Solutions Inc.
State: LA
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:
In recent months, I have worked hard to rebuild my credit and paid accounts I did owe. However, there is an account I did not recognize by a company known as  XXXX   XXXX  through my credit report on Experian. I have no recollection of opening an account or authorizing any of my information for collection with   XXXX  . I contacted  XXXX   XXXX  on the number that was provided on my credit report on  XXXX   XXXX ,   XXXX   and requested my application and any other authorizations for validity. The representatives and supervisors whom I spoke with failed to provide any documentation that the account is mine to my mailing/home address and email. As of my last known dispute on  XXXX   XXXX ,   XXXX  , in which I challenged ownership of this account, Experian declared that the account shall remain on my report. When I requested for their method of verificatio n ( FCRA Section 611 ( a ) ( 7 ) ), Ex perian replied that all they did was send a request to  XXXX   XXXX  with no documentation provided to me from the furnisher that the account is mine. I contacted  XXXX  again on  XXXX   XXXX ,   XXXX   and spoke to  XXXX   XXXX  in thei r Vendor Services depa rtment which record-keep applications and other authorization documents. I provided my full name, full social security number, and other information to her, and she found nothing that ties me to that account at all. I contacted Experian shortly thereafter to conduct a conference call as proof and they were non-compliant in accordance to ( FCRA Sectio n 616 ), as well as being told by their supervisor stating that, it did not matter whether or not I authorized the account, the fact that they have my social security number gives them the right report onto my credit file. Hearing this statement hints to me the allowance of fraudulent reporting between these two com panies and Experians reporting practices.     Attached to this complaint is my Experian Credit Report as  XXXX / XXXX /  XXXX   and they can be found on the bottom of th e 8th page as well my personal identification such as my drivers   license and ssn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: AMCOL Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never was sent a bill from either the hospital or Amcol agency in South Carolina. The collection agency only contact me when the debt was placed on my report. Also the amount due was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of Cavalry Portfolio and disclosed I made a recent payment while account was in collection, complete false. Cavalry Portfolio can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
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:
XXXX  is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX    XXXX  , and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to  XXXX  back in  XXXX    XXXX  . After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,   XXXX  .  Five  months later, after requesting  one to  be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,   XXXX   and according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from  XXXX  actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of 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 2022-01-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company ( jp morgan ) repeatedly notified us that insurance has/will expire when it is current. Checking with account information shows the correct date, not the one included in their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Caliber Home Loans, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, XXXX, I, and my former wife, XXXX XXXX XXXX, executed a contract for the purchase of a recreational vehicle in the State of XXXX. In XXXX, XXXX and I separated. As we proceeded towards divorce and a separation of assets, in XXXX the recreational vehicle was voluntarily returned to the finance company. No payments were made after the return of the vehicle. At no time did the finance company comply with XXXX laws regarding repossessions and serve the necessary pre- and post- repo notices, nor did it ever advise as to the disposition of the vehicle. However, in clear violation of XXXX law, Caliber Home Loan attempted to collect on this debt in XXXX. When I responded that they were far outside the statute of limitations, XXXX filed a XXXX with IRS. XXXX law is very clear that unless a finance company complies with all of the required notices, it is no longer in a position to collect on the deficiency balance. Caliber then stated that a payment was made in XXXX but that alleged payment is not listed anywhere in the account history provided to me by Caliber. Finally, Caliber mailed a statement stating " YOUR ACCOUNT HAS BEEN PAID IN FULL. '' When speaking to a representative of Caliber, I was informed that the account had been charged off and that no payments had been made. Further, this statement indicates that the recreational vehicle is now listed at an auction site in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Mortgage was included in a chapter XXXX bankruptcy that was discharged back in XXXX. Now in XXXX of XXXX they filed a Motion for In XXXX Default Judgment for Foreclosure and Order for Foreclosure Sale. Both my ex-husband and I have been out for over a year. I moved out in XXXX of XXXX and he in early XXXX. They keep contacting him, yet when I 've tried contacting them they will not speak w/ me. I 've also attempted to contact their XXXX To no avail he is unwilling to help or disclose much since he is their " legal council ''. I told him nimerous times on our call that we no longer resided in the home and that it has been vacant for well over a year. Now they are attempting to have my ex-husband sign a " Loan Modification '', yet have made no attempt to contact me. My ex husband provided me with the following contact info : XXXX, loan # XXXX, phone # XXXX. Have made several attempts to contact with no success.

Company response to consumer: Closed with explanation