BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: AMA Advisors, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Homebridge financial Corp. is my mortgage and escrow company. They failed to pay my 2015 taxes on time. This resulted in a derogatory public record on my credit report. I paid Homebridge Financial on time for the entire year.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I RECEIVED A COURT DOCUMENT ON XXXX XXXX, 2016 STATING I HAVE A MAGISTRATE HEARING ON XXXX AT XXXX XXXX. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX XXXX AT XXXX XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: AMA Advisors, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I tried to purchase a condo in XXXX XXXX south Carolina. The bank that I dealt with ( Home Bridge Financial Services ) waited until the day of closing to tell me that I could not rent this unit out so I had to get a different loan for 3 % higher than the XXXX they was already charging me. I had already paid out Earnest Money, Appraisal Fees, and Home inspection Fees. Costing me over {$2000.00} and lots of time. These financial institutions needs to be takin out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This creditor has reported delinquencies on my credit that are in correct and causing harm to my credit ability. On the occasions ( which amount to XXXX ) that I credited the account in its grace period, I was assured by the company representative that it would not go against me and not be reported in my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from XXXX XXXX XXXX which I have paid. I have received subsequent contacts from Harris & Harris debt collection by mail, and phone attempting to still collect a debt which has been paid. I have copies of cashed checks as proof of payment. Actually I accidently overpaid the debt by {$100.00} for a so XXXX XXXX XXXX owes me {$100.00}. Harris & Harris began calling me at home and work. I have documented the following dates and times Harris & Harris called me on my cell : XXXX Est from XXXX, XXXX EST from XXXX, XXXX EST from XXXX, XXXX EST from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CREDIGY USA CORP.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Contacted my Manager XXXX at my work. They told her if I did not contact them today they would serve me court papers at my job. This debt is more than 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been receiving an inordinate amount of collection calls which I believe to be unnecessary and harassment. Though I have never been more than XXXX weeks late on any payment ( most on time or within XXXX week ), have never been a payment behind and always call the company to let them know I am aware of the situation and on the day I pay either through mail or by phone, I begin to receive calls XXXX days after the due date and I receive them several times per day, at all hours. Though I specifically requested not to call on Sunday they do so and at XXXX XXXX XXXX! I understand the need for collection services and I understand a Borrower 's responsibility to pay, but all this must be done within reason. If I were three months behind or always late or never in communication I would understand. In my present situation and over the past months, both the frequency and timing of the collection calls is inordinate and abusive. Especially on a Sunday XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Critical Resolution Mediation LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by this group in XX/XX/XXXX and spoke with XXXX XXXX who stated I had an " installment '' loan. I requested a validation letter, which he emailed me. It had no recognizable information and I replied with a letter stating this was not my debt and to please cease collections. I got THREE CALLS today from a woman representing the same company, she was rude and harassing. I stated I had returned a letter disputing the debt and she said it " did n't matter '' and that if I did n't pay TODAY I would be sued. Left an additional voice mail again stating that if I did n't pay today, I 'd be sued. I believe they are aware this is a false debt and are still issuing threats to attempt to collect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-05-07
Company: Holloway Credit Solutions
State: GA
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 been monitoring my credit since a XXXX XXXX incident last year. All of a sudden a {$0.00} amount shows up:XXXX 
XXXX {$0.00} XXXX. XXXX, XXXX current debts have been addressed. This may be an attempt to collect a debt that is past the 7 years statute of limitation in Georgia. I deny having any outstanding debt to this company. I have had no communications with them. I challenge the company to provide proof / original documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My cell phone listed this number as the caller. A lady by the name of XXXX XXXX state that there were documents under my name ( she used my full legal maiden name ) and social brought to her attention that I am probably not aware of. She said it is very urgent I call her back by XXXX eastern. She told me to call her back at XXXX and use a reference number that included XXXX digits. This is n't the number she called me from. I looked the XXXX up and this seems to be a common message associated with this number. The woman never stated what company or office she was calling from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Chrysalis Holdings LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I saw a commercial on XXXX XXXX for a VA Home Loan. The commercial was very compelling. They explained that if I was a Veteran and had an XXXX they would help me use my VA entitlement for a mortgage. I get on the phone and go through a lengthy process of applying for the loan and was denied. Even though I have served honorably, have a VA entitlement, and a good income they still turned me away. I feel that their advertisements were unfair and deceptive. I 've been harmed because my credit report was negatively impacted by them pulling the report and I still was n't given a home loan. Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Rhode Island Student Loan Authority
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
RISLA ( Rhode Island Student Loan Authority ) provided a {$6000.00} loan which is now a {$29000.00} loan and the reporting to the credit bureau is inaccurate and does not reflect payments that are being made. I am a co-signer on the loan and can not get a mortgage loan due to the inaccurate information. For six months I have asked the lender to correct the information because the borrower is making on-time payments since 2014 ; however, the lender refuses to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29
Company: Risecredit, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a loan of {$3500.00} from Rise Credit 3 months ago during which time the company never advertised the loan as a payday loan. I had an installment agreement and the payments were scheduled to be automatically deducted from my bank account at the end of each month. I began to review my balance on my account after payments and noticed my balance actually increased by the end of each week. I recently contacted a representative at Rise Credit and was informed the " loan '' accrues interest on a daily basis and that a majority of my monthly payments was actually being used to pay accrued interest. In other words, my balance will decrease at a very slow rate over a very long time period. I informed the representative none of this was ever stated to me when I applied for and was approved for the " loan ''. His response was " well this is how a payday loan works ''. I informed him I would have never accepted a loan with a daily accrual of interest. Is this loan legal in the State of Georgia? I am trying to figure out a way I can legally address this loan which is undoubtedly under what is best described as a shark tactic lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This matter started in XX/XX/XXXX to XX/XX/XXXX. First received a call from Portfolio Recovery stating they were trying to collect a debt from my ex-wife and because she has a problem writing and reading English I offered to help. I first told them I would remit a check in the amount of {$170.00} if I found that she owed the debt to XXXX XXXX. They advised that XXXX XXXX had sold them the debt. They pressed me to send the check that day but I told them that I needed to check to see if she owed the debt first. After checking with her found that she had continued to pay the amount in question directly to XXXX XXXX and the next time they called I explained the above to them. They said they had no knowledge of her payments. I then asked them to provide written evidence of this debt and hung up and found out a week later she had not received any information from them. They called again and I reminded them they had not sent any information evidencing the debt, also reminded them she had made payments directly to XXXX XXXX and they became insistent we should pay without having the evidence. I eventually hung up on them and that is when the barrage of calls started. I have received at least 15 calls from them on an every other day frequency. Each time the individual on the phone denied they had called and when I ask for them to check their records they refused and continued demanding the payment and also requesting how they could contact her directly. I refused and at least 10 times now I have demanded they stop this barrage of phone calls even telling them that my phone was on the do not call list but as recent as XX/XX/XXXX at XXXX they are still calling. Please have them cease and desist with their phone calls making demands for payment of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced the loan on a property that I own as joint tenants with my wife. 
I did qualify for the loan and obtained it on my name. My name is the only name on the NOTE. 
My complaint is regarding the instructions that the Lender gave the the escrow company as to record a Deed of Trust that indicates that my wife is also the borrower on the loan. The text of the Deed of Trust now reads : " Borrower is AT ( my name ) and ST ( my wife ) husband and wife as joint tenants '' and it was recorded on XXXX XXXX, 2016. This is obviously a mistake and has to be corrected. 
I requested the lender and the escrow company to change it to refer only AT as the borrower, but they refused to do so. 
Also, they wrongly put my mailing address in XXXX when my address is in XXXX XXXX as stated in the loan application. They also refused to correct the mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX   XXXX   XXXX  Attorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is older than XXXX years, from 2004 and so is the delinquency date. I 've asked for debt validation and they refuse to provide me validation. They keep updating the date of the account opened date to it stays on the report longer which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered credit counseling to consolidate and pay off my debt on XXXX/XXXX/XXXX and made monthly payments until XXXX of XXXX. At completion I received notice that I had completed the program and that they debts were paid in full and that notice was also provided to the creditors. As a side note I do know that payments were made to the creditors as I recently received a repayment of overpaid interest from another account. I have disputed the debt with LVNV/XXXX multiple times, most recently in XXXX of XXXX. XXXX again it was deleted. While applying for a mortgage I discovered that the debt was incorrectly being reported again as an active collection, despite having provided the evidence of the credit counseling program, and successful completion. The evidence sent showed the correct account number, and debtor. I also received a letter from the collector that despite matching account number and documents showing completion was insufficient evidence, but did not provide any evidence the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for credit for a vehicle loan XX/XX/2020 at a local bank where I done business before.The lender said my Equifax credit inquiry said my information was identified as potentially fraudulent or misused, there for consumer report was not available.I have made 20 or more attempts the correct the problem through Equifax each time they tell me to send information to identify me and all I have gotten is a card in the mail that says I have not applied for credit recently or I have not actively used my credit in the past 10 years or I have not been issued a social security number all of which are not true.Equifax will not offer any support to help me correct this problem.I have no plan or any way to fix this problem with out knowing what to do.I have faxed information to them 3 different times that they said would solve this problem but each time they say no fax was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have received calls and email threaten me about the legal actions and lawsuit. Resist to tell me how much debt i owed and the name of the company. I asked them to send a debt validation to my address and they said you no need to worry about it. They also called my sister to locate me and saying they will send a cop to my sisters address or mine. This made me stress so much not knowing what to do with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Ray Klein, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX sent {$150.00} to Professional Credit Services, " collections ''. {$100.00} of it was paid to Professional Credit Services, " collections '' in XXXX XXXX. {$60.00} was paid to XXXX XXXX XXXX XXXX XXXX. XXXX did not recognize this payment until XXXX of XXXX. They sent the payment of {$60.00} to the collection agency in XXXX of XXXX. The collection agency and XXXX are requiring me to pay interest on the balance previously paid. XXXX had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made XXXX aware of the issue, they paid the collection agency XXXX XXXX, and the interest is now on my credit report. I asked XXXX to pay me the interest or write off the interest and they wo n't. The interest is {$17.00}, it is not the amount but the lack of reconciling my account for 4 years and than demanding interest on money they had all along. XXXX owns the debit, the collection agency did not purchase the debit. From my point, this needs to be removed and back dated off my credit report. I have contacted both XXXX and Professional Credit Services and both will not release the interest on money they had for 4 years. I would like to see both these companies fined for abuse of my credit report. They both are aware the money was paid 4 years ago and are still demanding interest not earned due to the lack of reconciling my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-13
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have contacted Commonwealth Financial system since XX/XX/2015 ; they have yet to verify and validate this debt and it is still showing on my credit profile ' which is a violation of the FDCPA. All XXXX credit reporting agencies has stated that this account was verified and validated but has failed numerously to provide me with documentation supporting this presumption which is also a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Ditech Financial LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we have a mortgage with '' green tree mortgage co '' we pay by bank draft and never misseda payment on our property located a XXXX XXXX XXXX, XXXX Ks XXXX we have never requested any legal service from them. They added over {$3000.00} on to our mortgagefor legal fees. They called it a " Corporate Advance balance '' the sum of {$3000.00}. Our rental property was seized on the XXXX of XXXX 2014 by the XXXX XXXX 's Department. We hired our own Attorney and fought the DA and XXXX and we went to court and the presiding Judge was Chief XXXX XXXX XXXX XXXX XXXX. We won the case and was completely exonerated of the charges. The claimantwas " the XXXX of Kansas '' and the defendant was our rental property. Green treemortgage is located in XXXX XXXX SD, XXXX XXXX XXXX, XXXX. Our Account # XXXX. Phone # XXXX .We believe this financial action against us is completely unjustified as wenever requested any legal services from this mortgage co and we were never notified or advised why we are being charged for these attorney fee 's. I am XXXX years old and aXXXX XXXX veteran XXXX and served in the military22 years. My wife is XXXX years old and we never had any problems with law enforcement. The property was seized for alleged criminal activity. We would appreciated it very muchif you could help us with this problem, as we have already spent most of our savingsfor attorney fee 's not to mention the stress that they have caused us. What is toprevent the mortgage Co from charging as any more fee 's. 
XXXX & XXXX XXXX XXXX XXXX, Ks XXXX

Company response to consumer: Closed with non-monetary relief