BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
California Business Bureau of XXXX, CA, has attempted, on numerous occasions, via their representative XXXX, to collect over {$1000.00} above the principal balance of an alleged medical collection with XXXX Hospital in exchange for deletion of this account from my credit report. The company claims they have validated this debt with statements and bills in 2010, however, I stated I do not recall this, and they have refused to send updated copies of this debt validation to my current address or remove this from my credit reports. 

California Business Bureau has attempted to extort excess money from me, the consumer, in exchange as a barter for deletion from my credit files. I believe this to be a violation of the FCRA and a very unethical practice. 

I have disputed this debt with the original creditor as well, XXXX HOSPITAL, who claims that the debt is valid based upon me recalling one of the services performed ( XXXX ), though I still dispute the dates of service in question and total amount said due. The original balance is quoted as being {$1700.00}, and CBB is requesting over {$2800.00} to close the debt and remove from my credit report. 

In addition, I have filed a complaint with the XXXX and the Attorney General in California for this company 's extremely unethical business practices. Note that XXXX, CBB Agent, stated " I 'm not supposed to do this and normally we do not do this, but will delete this for you if you pay this amount ''. The company has refused to further dispute this information, nor has accepted responsibility for the attempted bartering with their agent and non-compliance with FCRA. It is also worth noting that NEITHER THE ORIGINAL CREDITOR ( XXXX HOSPITAL ) OR THE COLLECTION AGENCY ( CALIFORNIA BUSINESS BUREAU ) HAVE COPIES OF MY DRIVER LICENSE, SIGNED DOCUMENTS BY MYSELF, or SOCIAL SECURITY CARD proving this is my debt, or that I was seen on the alleged date of service for the alleged services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have made at least three requests for modification of my mortgage with Caliber Home Loans, all of which have been denied. They have not provided sufficient reason for the denial and three appeal letters have always resulted in a denial. I am concerned about the practices of Caliber Home Loans and their possible discrimination against certain type homeowners. They appear to want to appeal to all homeowners and say that offer help for distressed mortgages etc, but they have made no effort to assist us as evidenced by all the denial of modification requests. They only have been servicing our mortgage since XX/XX/XXXX and since this time have been not been helpful in ensuring we can remain in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Once again I am providing the proof that item for case number XXXX has been shipped to address you provided to me and TOLD me to send package to. Please issue my refund of {$1400.00} immediately as I 've followed your rules and have done everything you have asked of me. I 've been told several times that I would have my refund within 72 hours and it has been over 11 days now. I 've filed a complaint with the bbb and cfpb since my refund has yet to be issued as promised by PayPal several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber offered a permanent modification, it was signed, notarized and sent back on XXXX XXXX, 2016. On or about XXXX XXXX, 2016 the payment was increased by about {$150.00}. When Caliber was questioned about this on XXXX XXXX, 2016, the customer service representative said it was because of an escrow shortage. They also said that an analysis was done in early XXXX, so the analysis was requested and the rep said she would not send it out. She finally relented and said it would be sent out, but to this day the analysis has not been received. It was questioned as to why the shortage was not included in the monthly payment or the balloon payment, the final mod was offered XXXX XXXX, 2016, but when that question was posed, the rep abruptly ended the phone call. Now the payment has been decreased to the original modification monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
AFTER RAISING MY MONTHLY PAYMENT FROM {$580.00} TO {$820.00} I CALL THE COMPANY AND EXPLAIN THAT I COULD NOT AFFORD SUCH INCREASE, I LIVE ON SOCIAL SECURITY CHECK, THEY OFFERED ME TO APPLY FOR A MODIFICATION LOAN, FILED OUT ALL REQUESTED DOCUMENTS AND WAS DENY ANY HELP ... .THERE REASON WAS " YOU ARE CURRENT " WHAT A JOKE! THEY SUGGESTED TO APPEAL? ANOTHER JOKE ... ..I AM AT A LOST!!!!!!!!! 

RESPECTFULLY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted XXXX XXXX on XXXX XXXX, and XXXX XXXX of this year, telling them about the problem and they refuse to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Prospect Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I used Prospect Mortgage in XXXX Alabama on a residential home purchase. I had a contract on a home contingent on sale of mine. I had to close on my house by the XXXX of XXXX, in order to accept contract for sale. Me and my real estate agent both told the loan officer at Prospect what our deadline was, they said they could meet it, and we sent them information to begin the process on XXXX XXXX. 

The closing date comes, and Prospect has n't funded my loan. This is after they confirmed to us we were good to close. Then they come back and say the closing attorney is n't approved. So the attorney fills out paperwork and submits it. Then they say that can take up to several days. 

The XXXX, still no closing. The XXXX, no closing, so I emailed their consumer advocate. This seemed to get the ball rolling, although I never sensed any sort of urgency on their part. We closed on tuesday, the XXXX. 

Because of the missed closing date, I had to rent XXXX storage units and move XXXX, once to storage and from storage to my new house. I had to stay in a motel for XXXX nights. I had to throw away food I had no way to keep since storage units do n't have electricity for refrigeration. I lost time away from work. The loan officer said to keep a record and submit my expenses for reimbursement. 

I did submit almost XXXX dollars worth. Never during the process did the branch manager call me to apologize, or give me any indication that he was even concerned or involved. The processor that did my loan was fired, and the loan officer resigned, because they ca n't seem to meet closing dates. The branch manager, XXXX, refuses to reimburse me. He did n't even apologize except through email after his manager brought it to his attention. 

He has lied to me in every dealing with him, and there is an almost identical complaint about XXXX and the local branch on the consumer affairs page. My agent says her mortgage guy could have closed me in 3 weeks, I went 40 days with prospect. I have done XXXX mortgages, never ever had XXXX this bad.We were told multiple times we were good to close through this process, only to be delayed again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Aqua Finance, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX from XXXX & XXXX XXXX on XXXX/XXXX/XXXX. The financier was a company by the nae of Carmel Financial who approved a revolving open ended charge account. On XXXX XXXX, XXXX, I received a letter from Carmel Financial notifying me that Carmel Financial Corporation Inc has sold my account to Aqua Finance and that the account has changed to a close ended, simple interest account. Shortly after that notice, I received a second notice from Aqua Finance notifying me that my account would be sold AGAIN to a third company - where the terms and conditions of the original contractual agreement would be changed again if I did not respond within 30 days of the notification. I called the number provided and stated that I did not agree to the second sale. During this same time I began receiving collection calls from Aqua Finance about an annual {$30.00} fee? Aqua Finance has been unable to reproduce a copy of the verbiage where I agreed to pay the annual fee. Now I am receiving late fee charges on statements for not paying the fee. I have never missed a payment at this point in time. 

As a consumer and a banking professional - Aqua Finance has conducted their business in an unethical manner at my expense. Transferring the original debt from company to company, all while changing the terms and conditions of the original contractual agreement to benefit their bottom line at the expense of customers. I have requested their lawyers contact 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 2017-10-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed all six of my accounts with Comenity Bank. Comenity requested verification documents from me and I replied. I sent requested documents twice to the company and yet my accounts were still closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is under foreclosure and a short sale has been in place since XXXX XXXX, 2015. We are dealing with a negotiator at Caliber Home Loans who changes her mind weekly about accepting or not accepting an offer. We have a XXXX lien which is requesting a specific amount of the loan to be paid towards them. Caliber previously agreed to paying them from the short sale and now is forcing us to use our relocation fees to pay for this XXXX lien. 

Meanwhile, another motion has been filed by Caliber to proceed with foreclosure. We can not seem to get this finalized once and for all. Our realtor has done all he can to work with Caliber on a resolution but to no avail. 

This process has been more than emotionally draining and frustrating. We are trying to avoid foreclosure and it does n't seem Caliber wants to cooperate and this particular negotiator seems to be the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
TOYOTA MOTOR CREDIT CORPORATION has no legitimate claim I to my consumer property. They are not a party to the contract I signed with XXXX The Contract listed XXXX as the CREDITOR/SELLER. 

TOYOTA MOTOR CREDIT CORPORATION is not Holder in Due Course of my Consumer private property. I feel that TMCC has conspired against me along with XXXX. I was not given FULL DISCLOSURE and COSUMATION pursuant to Regulation Z of the Truth In Lending Act. 

I have sent out communication via certified mail to TMCC to resolve this matter privately, which they have disregarded, violating my Federally Protected Consumer Rights. 

TMCC has now placed a repossession order on my private consumer good. I am being intimidated by a repossession man and tow truck at the front of my home at which I had to call the police at around XXXX XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was originated with Santander USA in XXXX. This auto loan became a volunteer repossession in XX/XX/XXXX. The vehicle was sold and a dispute was honored and remaining balance after the sale of the vehicle was made with Santander USA. Santander USA updated my credit report and still reflects {$0.00} as of XX/XX/XXXX. This account was settled and closed out. I am now receiving harassing phone calls from a Debt Agency regarding a balance which has now impacted my credit majorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Compass Recovery Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of XXXX Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with Compass Recovery Group ( XXXX ) XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in XXXX  when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX CRCP # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated Compass is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Atlantic Credit & Finance, Inc.
State: NY
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 collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Completed refinance with I Mortgage Company from previous lender XXXX XXXX. Loan closed early XXXX. My first payment due date was XXXX/XXXX/2016. I 've made both XXXX and XXXX payments and have statements from IMortgage as both cleared with my bank ( XXXX/XXXX/16 ) and XXXX/XXXX/2016. Receiving notices and threatening phone calls from IMortgage that they have n't received payments. I have spoken with them twice and they state it takes up to 60 days for " their system to update ''?? Just received another statement from them asking me to pay for XXXX and XXXX as well as upcoming XXXX payment. Again both payments have been made and I have Loan Statements from IMortgage. They requested and I sent to their Research department information with supporting documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Continental Finance Company, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Called my Human resources dept on XX/XX/XXXX, told them I needed to contact them and needed to serve me paperwork at work. My HR rep told them they are not allowed to serve me paperwork at my place of employment. I then called the number back and they told me, XXXX XXXX was name of person, that she was a Law firm, garnishing my wages and faxing paperwork to my employer to do so,. They said it was a " charged off " debt from XX/XX/XXXX with Continental Finance. I asked for their address of business, she refused, said she had to protect their employees, I asked for a copy of the paperwork she was referring to or a copy of the debt, she refused. She then began screaming at me, tells me she could force me to sell my house for the debt and I would loose my house. She said if I called her back she would sue me for harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I never received any loan from this company I sent over afadavivt they claim.it went to account ending in XXXX I never received any account number like this in my life they are not being to helpful in resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we have XXXX complaints XXXX is with Caliber Home Loans they took XXXX homeowners premiums from our escrow XX/XX/XXXX and they are trying to make us repay our own money they cut a check to XXXX XXXX XX/XX/XXXX and stopped payment on this check after they over nighted a check to XXXX Then XX/XX/XXXX they went up on our payment XXXX dollars a month saying we were XXXX dollars short in our escrow we went to an Attorney and at first he said they were wrong but two weeks later he says they are right

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife & I had a FHA backed XXXX yr mortage serviced by XXXX XXXX XXXX, signed in XXXX, XXXX. We filed for Chapter XXXX bankruptcy protection in XXXX XXXX, including our mortgage in the filing. All mortgage payments & arrearages were being serviced per our Trustee 's Agreement on time, & without prejudice, even as we attempted to refinance our mortgage to a much more advantageous rate. We finally found someone to do an FHA Streamline on our mortgage, when we were informed that XXXX XXXX XXXX filed an insurance claim in XXXX XXXX against our FHA MIP due to our loan " being delinquent. '' Our mortgage was then " picked up '' by Caliber Home Loans, whom we were informed would be our new loan servicer. We were also told we no longer had an FHA Loan, according to Caliber. We have no idea how we could be taken out of our FHA loan-preventing our Streamline Refinance- & put into some " XXXX status '' as we were informed that our mortgage is now in. In addition, we are still paying FHA MIP payments in our mortgage payments on our mortgage since Caliber took over our mortgage, as well as we have yet to have our mortgage payments be reduced after a significant drop in our homeowners policy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I caught my father, XXXX XXXX, who lives at a distant address in another town with my sister stealing mail from me ( these letters are mailed in my sister 's name XXXX XXXX who shouldn't get mail here and he claims she told him to steal from me ) but this time he wanted IMPORTANT TAX RETURN DOCUMENT ENCLOSED : Citibank XXXX XXXX XXXX XXXX XXXX, TX XXXX -- I refused him and returned to sender!

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 2022-10-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage trans go over to a new servicer and tripled in payment. It went from a little over {$1100.00} to XXXX. I called Mr. Copper, the new mortgager servicer and they advised my escrow went up significantly and I should call the county tax accessor. 
I called XXXX XXXX tax office in XXXX Va and was told that I did not have an outstanding tax bill. The next tax bill due would be in XXXX. 
I can not afford this bills increase and still live. 
I relayed the message to Mr. Coopers rep XXXX XXXX and proved the documentation provided by the county office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Harris & Harris, Ltd.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am making payments for a loan given to me directly by case XXXX XXXX University. They are charging me 6 % interest and my balance is going up instead of down despite making payments. XXXX XXXX XXXX is refusing to release my transcript until the entire amount is paid and its preventing me from getting a job because XXXX cant get a professional license without my transcript and Ive tried several times to work with them and they refuse to do anything until I have paid the loan off in Full

Company response to consumer: Closed with explanation