BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got connected with a so called reputable firm called " XXXX XXXX XXXX XXXX headed by XXXX XXXX ( and another guy called XXXX, I think ) They sold me on how they deal with XXXX XXXX XXXX with home modifications. First I qualified for one Harp? and the other one. 
Well, I sent in tons of paper work and resubmitted because XXXX XXXX XXXX ( XXXX, according to XXXX XXXX which I will use. And XXXX XXXX XXXX wanted revisions and revisions. Well it seem this group was n't doing so well because this went on for month. Finally, I mysterious got a Pre Loan trail for XXXX months in XX/XX/XXXX, many month later than when I applied. 
This company assured me I could get qualified, so I put up the {$3300.00} bucks, like a stooge. I wans told to sit tight and XXXX would contact me about the modification. XX/XX/XXXX ... ... ... to XX/XX/XXXX I was sitting tight waiting. No updates at all for anyone. No interest rate and no balance, etc ( Whatever happen to Truth in Lending? ) Well, some time XX/XX/XXXX? I was supposed garnet a modification, but XXXX was smart they knew they did n't follow rulesproperly and conveniently sold the mtg to their subsidiary Carrington to finish their direct work. 
I have been in the dark unable to speak to anyone about, interest rate and what my mtg would be. Well I got my pre-trial payment notice very cast {$980.00} from $ XXXXI kept called the XXXX and got referred to Carrington and they did n't even know where the mtg was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Medical Business Bureau
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello I joined XXXX last week.. Noticed a debt. ( medical ) was in collections from a XX/XX/XXXX.. XXXX Visit.. That my medical plan and company med plan had handled. This company called me for ..XX/XX/XXXX.. Had contacted XXXX .. Was told Its handled.. Here is confirmation # s bla bla bla.. Told them that they still called a couple times ... Then stopped. I figured they got the info.. This is an agency the hospital uses.. From the start.. They never called me.= The hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Exeter Finance Corp.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have received XXXX phone calls from Exeter Finance Corp on my cell phone. I am not the loan consumer, and I did not provide them with my cell phone number, nor did I give them permission to contact me at all, or on my cell phone regarding this account. This is apparently an account for my brother 's loan. When they contacted me the first time, a couple of months ago, I expressly told them that I have nothing to do with his account, and I demanded that they remove my phone number from their system, and make no further contact with me. I specifically requested a supervisor to whom to provide this instruction, and was transferred to a person whom I was told was a supervisor. This person assured me that my number would be removed from their system. During this phone call, enough information was provided by the representative that I was able to determine that they were attempting to contact my brother regarding a past due payment. This information should not have been provided to me at all, because I am in no way involved with the account. 
On XXXX XXXX, 2015 at XXXX, I again received a call from XXXX, and the caller left a voicemail requesting that I return their call regarding an account. When I called back, my call was answered by XXXX. XXXX transferred my call to a supervisor at my request. My call was transferred to a XXXX, who advised me that he was a supervisor. I explained to him that they were calling me again without my permission, and after I expressly told them not to contact me in the future. I advised XXXX that I would be filing a complaint against them for improperly contacting me on my cell phone, and also, if possible for an FDCPA violation, because I am not a part of the account in question, yet they provided information I was not entitled to have during the phone calls. My cell phone number that they have called is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX XXXX had checking account XXXX with BBVA Compass Bank. He received a wire of {$1300.00} funds from an associate he has been having business with. He withdrew the funds for business purposes within 5 days of receipt. XXXX XXXX XXXX of the bank 's XXXX XXXX, telephone XXXX, option XXXX, then said a XXXX party, not identified, communicated to the bank that the funds in the wire received were his funds and not intended to be wired to XXXX XXXX XXXX account, cited above. XXXX XXXX XXXX then closed this account, stating " fraud '' had occurred in sending someone else 's funds to XXXX XXXX XXXX account, and refused to refund {$170.00} in the account at time of closure. She said she had the XXXX party not identified withdraw the funds. The {$170.00} was from a deposit of XXXX checks in XXXX XXXX XXXX name, not wired in funds. XXXX XXXX XXXX contends in this matter that the party committing the " fraud '' is the unidentified XXXX party who made the allegation that his funds were improperly wired to XXXX XXXX XXXX account. XXXX XXXX XXXX is asking for a refund of the {$170.00} in his account when it was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had issues with Carrington, mortgage ever since my loan was sold to them from XXXX XXXX XXXX. I was never late, upon my husbands illness we decided to do a short sale on the home. We began the paper work in XXXX 2016. Since we are self employed, we sent all the information they requested including an offer on the home. They have continued to request the same documents, ask for things they never requested, ie. signatures on the profit and loss form and so much more. the claim is that hud or FHA is the hold up due to a waterfall process. The home is about to go into foreclosure when it should n't have to with a buyer all lined up. I am at my wits end with this company and will never purchase a home again! I have already made arrangements to move, and the first and second mortgages are about to be four months past due because they are dragging their feet at Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ARS supposedly a debt collector. No contact information is given. No information about debt originator provided. Just People asking for amounts of money that must be paid over the phone on the day and time of call. I do not plan on paying anyone over the phone so I have requested the information stated above and written statement of above with information to whom I may send a check to. Whoever no cooperation by supposedly debt collector has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XXXX I attended XXXX University in XXXX PA for about 1 month. I had applied for my GI bill to pay for my attendance. I dropped out after about 1 month and returned to the military. I have my XXXX paperwork showing I went back into the service. On my credit report AES is reporting that I owe over {$5000.00} and XXXX XXXX XXXX XXXX XXXX is also reporting a very similar amount. I did not even finish a semester. I have tried contacting the creditors directly but I keep getting the run around. They have been taking my tax returns and not reporting them and considering I only attended school for, at most, XXXX months, I do not see why the full amount would be owed by me to the lender and the government. I really need someone to help me sort all of this out because, as stated, I am getting the run around and not able to get any documentation from any institution regarding anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: SUNTRUST BANKS, INC.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been paying the essentially the same price on my mortgage for a few years now. Today ( Saturday PM ), I get a my escrow statement from Suntrust Mortgage and they are telling me they expected me to pay the cost of my PROPERTY TAX for my Home Owners ' ( the last three years, my Home Owners ' has been over double the cost of my property tax ). This essentially means they have allowed my Escrow to dip into a HUGE negative balance and now expect me to shell out a lump sum of XXXX or pay an extra XXXX/month. The statement reads like a large clerical error and now NO ONE is around to help me out at the " convenient '' time I got the letter.

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 2016-10-06
Company: FIRST US CAPITAL LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Has left numerous voicemails on my and another person 's phone saying that I have a claim filed under my social security and threatening to take legal action. Were never able to tell me what it was for. The callers name is XXXX XXXX. After that, started receiving calls from XXXX and XXXX XXXX. The callback number was always the same. And still called 3rd party about my personal affairs and left voicemails. The number is : XXXX they say that they are calling from first U.S. Capital

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had leased a vehicle through Nissan, and prior to the lease end date contacted them for my options. I was given several including returning, obtaining separate financing to purchase, and to my surprise an extension where as long as I made payments monthly as agreed ; the lease would extend and payments would be applied to principle and interest amortizing to XXXX like a normal auto loan. ( The lease was fulfilled XX/XX/XXXX I contacted XXXX in the months leading up to this - XXXX a supervisor confirmed this discussion during our call this morning XXXX/XXXX/XXXX ) During our discussion this morning ( I originally talked to a rep prior to XXXX ) and she basically said the vehicle was due XX/XX/XXXX or I have to pay the amount in full, when I objected she made remarks that were implying that I was being deceitful such as " well sir we need to know where the vehicle is etc ''. I finally asked to speak to her boss and she was quick to correct me that I can speak to her supervisor. I was upset on the call but had just been given alarming information that took me by surprise and is not good news. 
I talked to XXXX ; who after some back and forth finally got to agreement with me on the way terms were explained ( all was correct with the exception that there was a 2 year closed end cap on the extension meaning I could follow what was explained XX/XX/XXXX but for a max of 2 years ). I explained that I understood and confirm all of the conversation from XX/XX/XXXX with the exception of the 2 year max ; the representative back then explained it that is was open ended and I could continue this until the principle balance was paid in full if I wish, this was in my view a great option and how I proceeded to operate with Nissan under the assumption I would ultimately pay the vehicle off through making my monthly payments. 
XXXX acknowledged that the information given about no max timeline was incorrect and apologized, he offered to extend to XX/XX/XXXX as consolation. This puts me into a significant hardship financially as the monthly payment is the one I am budgeted for. If I had known this arrangement had a max timeline I would have chosen a different alternative. In the short term I 've agreed to extend to XX/XX/XXXX to buy some time to figure out how I am going to handle this. 
I think it is extremely misleading and unfair that I am now forced to make a quick decision on how this is going to go moving forward, the original representative while maybe trying to be helpful clearly provided the wrong information and although while she may not have intended to be deceptive, was nothing short of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Lendmark Financial Services
State: MD
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:
This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent Amcol a certified letter requesting that they validate this debt they are attempting collect and is stating that I owe. Under the FDCPA I as a consumer have the right to request information to prove that I indeed owe the debt and the said amount. I have attached a copy of the certified receipt that is signed by XXXX with Amcol. I have yet to get the information necessary for them to have before they can legally report or collect this debt. As of today XXXX/XXXX/2015 Amcol is still reporting invalidated debt that is detrimental my credit score and is defamation of my character. please look into this company 's deceptive practices and help me to resolve this matter quickly and efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I thought I was buying an XXXX online. The person told me to transfer them money and they would ship the product. I sent the money and then they blocked me so I could n't complain to them that I was scammed out of money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hi have an unsecured line of credit with Santander Bank. I also have XXXX checking accounts, a savings account for my son, and my HELOC with Santander bank. I use the unsecured line of {$5000.00} as my overdraft protection account. The interest rate on that account is aggressive, but it does n't bother me because I do not keep an open balance on there for long. In fact, I transfer money over very quickly and the check daily for any additional interest that may be tabbed to that account so I can pay it off. However, the account is set up incorrectly. The online interest balance does not match what is printed on the paper statements I receive in the mail. When I pay the interest online, it is not credited against the interest due somewhere in the account, and I am then billed for interest in a paper statement. However, the balance online is reported as zero. I have called about this numerous times. They tell me the online account reporting does not reflect everything and I have to rely on the paper statements. However, I pay everything online, so I continue to transfer money over to that account, but it is not peroperly reflected anywhere. I have asked for a transcript of this account for the last 2 years, but they will not give me XXXX. I have hiked my complaints all the way up to the main office, but they tell me I need to call customer service. I have put everything in writing but they seem to not understand. I most recently was reported for 60 days late for {$7.00} this past XXXX and XXXX. I used money from this account and paid it back the same week and the next week. I then paid interest the following week. The balance showed XXXX once I paid, and I do not know why they would hand bill me for {$7.00} interest but not report it as interest due online for 60 days. This is very frustrating. I have perfect credit and am never late on any accounts. This small account has caused a great deal of problems for me and is negatively reported on my credit report now. I am not getting any cooperation from this bank. I have had my main checking account for XXXX years, and I do not appreciate being ignored when I point out a legitimate issue with the setup and billing on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was mistakenly put on my credit report. I paid the debt to take it off my credit report. The original creditor has contacted the collection agency to stop but they cashed my check for payment and have failed to remove it from my credit report. 

Now I 'm out money and they are messing with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I submitted a payment to Synchrony Bank on XXXX/XXXX/15 regarding an credit account with Ethan Allen furniture. In the 3 days, from XXXX I received XXXX calls from Synchrony Bank XXXX including calls on Saturday and Sunday. This level of harassment is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
on XXXX XXXX 2015 I paid my delinquent loan in full at XXXX in the morning. Later friday checksmart present my check to the bank and my account was debited another XXXX. I noticed this on Saturday and i told them about it. I bought them proof that my account had paid the check and I also had paid the full amount that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: ProCollect, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was n't living on campus at the time nor did I resign a lease to stay there during the time expressed on the fraudulent lease the manager signed my name there are numerous complaints of illegal activities in their office and its student housing they should be shut down because there are hundreds of students they have taken advantage of which is why I moved to begin with

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 2016-02-29
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Issue was resolved earlier and now company is reporting a past due balance again. 
has been disputed multiple times on XXXX XXXX 2014 was issued a debt cancellation letter and XXXX but gm financial still refuses to update credit file to reflect no balance owed and reporting a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously submitted a cfpb complaint XXXX. I submitted a complaint because of a new collection account that is reporting in my credit report this was submitted on XX/XX/XXXX and the account that I filed a complaint was XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX I am happy that account has been removed from my credit report today XX/XX/2022. But I got disappointed when the same balance and original creditor which is XXXX reported this account this time with AFNI ( Original Creditor : XXXX XXXX ) account number XXXX. Again, as I previously mention I am not aware of this account and never received any notification from this agency. I can't believe that if I am conscious of my credit report any agency can add accounts to my credit report without a notification. I can't believe that any account can be on and off my credit file. Please read my previous complaint and have this account removed from my credit report.

Company response to consumer: Closed with explanation