BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: Elderlife Financial Services, LLC
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am not sure if I contacted you already. My dad suggested I contact your company and I contacted someone but am not sure if it was this company. My situation. 

I cosigned for a loan with a company called Elder Life Financial for a family friend. It was to be reimbursed by the VA. However, after getting the loan she became sick ( XXXX ) and passed away. I was unaware the proper paper work was filled out because although my name was on the loan I was never contacted unless a payment was late. Since her passing I have contacted the company numerous times ( upwards in the XXXX ). I have requested to speak to managers, anyone who can assist me in the situation and never received a call back. Most recently a gentlemen named XXXX XXXX who is in charge of the account supposedly has been contacted and left message after message with no response. Currently the payments sent our " interest only '' and have been for almost three years. The family friend making the payments as it was her mother the loan was for is on XXXX and can only afford a certain amount each month. It is difficult for me to assume responsibility for this loan as I am about to go back to XXXX in 6 weeks. Not to mention the company says the loan is to be paid in full by XX/XX/2016 and if not will turn it to collections. I can not get in touch with anyone to assist me with this matter. I have worked very hard to obtain a good credit standing and this is on the verge of ruining it. This is something I have no control over and I have no doubt it would have been handled properly had she not passed away. I am at a loss for what to do and would greatly appreciate any assistance you can give me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
My credit card is paid by my Dad from his account at XXXX to my credit card at Wells Fargo. That payment was made on XXXX. It showed the funds out of that account on that day and credited to my credit card. My outstanding balance at that time was {$600.00} and I have a credit limit of {$1300.00}, but my card was declined and the website showed no credit available. I just spent an hour on the phone with Wells Fargo and they say a hold was placed on the payment but they admit they have no idea why and will not release the hold until tomorrow. This is my only source of funds to pay for food and supplies ( I 'm a XXXX student without a job ). If they were able to give me a reason the funds were held, I would have understood, but they admit they do n't know ( I actually have a recording of part of the call ). I just ca n't believe this is legal and I was thinking if they did that to me, they could do that to thousands of customers and have the use of other people 's money for a week with no reason or explanation. Is n't this pretty much like stealing and then returning the stolen goods. That 's still stealing.

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 2015-05-01
Company: Windham Professionals, Inc.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Wyndham Professionals disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08
Company: Millennium Credit Consultants Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hi this company has XXXX accounts on my File, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the Finical and Identity theft. I want it removed and please have them to stop putting it back on after it was taken off Account # 1 Millennium Credit {$1000.00} Fraud Account # 2 Millennium Credit {$1000.00} Fraud

Company response to consumer: Untimely response
Consumer complaint received 2016-11-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have spent the past 2 months trying to modify my loan with Ocwen and it 's been an excruciating experience to say the very least. After 10 years, it adjusted last year to a XXXX yr adjustable rate and my payment went up significantly, over $ XXXX. This year, it just went up again another $ XXXX. I am self employed and have gone from a XXXX income household to XXXX income. My credit is excellent and I make the payments on time. All I want from them is to fix the rate with a XXXX yr ammortization so I can afford the payments and keep my house. 

Aside from the numerous re-requests for documentation and forms and signatures that they already have, I was recently instructed to retrieve a copy of my divorce decree from the XXXX because apparently my letter of explanation and a copy of the recorded dissolution were just not enough. This was a costly and timely endeavor but I did so. Then I waited for a week for the Assumptions Application which I was instructed to fill out. When I finally received it, I quickly realized it was actually a loan application. I called the number listed on the application and the assumptions XXXX I spoke with confirmed that yes, this is a proper loan application and has absolutely nothing to do with the loan modification process. He said the loan mod dept had no idea what it was doing. If I was qualified to refinance or assume the loan and take my ex 's name off of it I would have already done so years ago. Unfortunately I do n't have the income to qualify which makes me not a candidate for assumptions. 

Since then, Ocwen told me to get a XXXX deed taking my ex off title. I did so and sent it in and now they keep trying to send me back to assumptions. 
My relationship XXXX does n't call when we have scheduled appointments. Every day I get calls and letters and emails from them asking me to do something I 've already done. The left hand has no clue what the right is doing. 
I have spent so much time and money on this process and it feels futile. I have excellent credit and have never missed a payment. All I want from them is a XXXX yr fixed rate. I 'm not asking for anything else. 

Is there anyone on your end who can help me try and navigate through this frustrating process?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. While I was XXXX  that were a lot of unauthorized transactions to my account. Both my checking and savings were affected. Over XXXX XXXX dollars of unauthorized transactions made from my checking account, and over XXXX XXXX dollars of unauthorized transactions made from my savings account. I first reached out to SunTrust Bank on XX/XX/XXXX and made them aware of these unauthorized transactions to my accounts. The Asst. Branch Manager made a report and sent it to the fraud department. I Followed up with my Bank and the fraud department for months and months but no action was done in refunding my funds.

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 2015-09-02
Company: Kenneth, Eisen & Associates, Ltd.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've called & tried to request an invoice and XXXX XXXX ( XXXX XXXX XXXX ) refuses to send me a statement of proof of why I owe & what it is for. They said they ca n't because it has been to long then they need to REMOVED my credit report. This is from 2011 when I lived in XXXX. I do n't remember owing anything when I moved back to XXXX. I 've disputed this & it is closed & open ( collections ) now on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CICA Collection Agency, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A call about a debt notice was received by an elderly family member, who was harassed in order to get my mail address and phone number. I called the debt collection agency to understand what was the debt about, given that I have n't live in XXXX XXXX since XXXX and sporadically since XXXX. It was debt that I did not recognize. As a federal employee, I have multiple background checks and have all payments up-to date, and that debt have n't appear in my background check. I stated that I wanted evidence of that debt. They ( XXXX collection ) sent me a letter with no evidence which I replied with a certified letter that I do n't recognize the debt and to stopped the contact. Every call I got ( with threat and harassment of court ) is from a different person even the letter signature and the person that sign the certified letter are not the same. However, this agency harassed with calls my elderly family member even more and they sent a new letter, from legal area, which was very strange since it has contradicting language and no evidence. I contacted my XXXX and they put an alert in my credit as they did not find this normal conduct. As a resolution, I do not recognize this debt, stop harassment and any collection toward myself and my family. I understand this is a case of identity theft ( as XXXX XXXX suggested ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I wish to file a complaint against OCWEN Mortgage for obviously stonewalling on my application to short sale my condominium located in XXXX, California. The required documentation had been filed in early XXXX 2015 by my Broker, XXXX XXXX, who obtained a buyer for my condo ; however, since then OCWEN had been trying to delay actions by asking for updates and other requirements that have already been submitted. The latest is now they are asking for a resubmittal of documentations simply because they should be brought up to date. I believe OCWEN 's actions are highly suspect, to say the least, and needs to be investigated for any violation of law regarding to short sale transactions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Capital Recovery Systems, Inc.
State: IN
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:
Capital Recovery Systems at Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX has repeatedly tried to collect debt against me that is not mine. They have purchased parking tickets for a vehicle I have never owned. I have a similar name and live in the same town as the vehicle ( XXXX ). XX/XX/XXXX we cleared this up with them and they released us from this claim. Now they are sending letters to my parents home in XXXX that I have not lived in for 20 years. This is for the same debt that again is not ours. It is stressful on my spouse to have debt collections after us for debt that is not ours. Now they are interfering with the rest of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed a bankruptcy that was discharged in XXXX 2011. At that time, XXXX was the servicer of my loan. XXXX was informed that I had surrendered the property through the Bankruptcy and I vacated the home. They applied for and received a lift of stay so that they could commence with taking back the property. Just prior to the Bankruptcy discharge, they sold the servicing rights to Ocwen. For years Ocwen called to collect on the debt even after being informed that I was protected by the Bankruptcy. Ocwen employed delay tactics by trying to get me to agree to a modification. It took Ocwen five years to sell the property. They issued me a XXXX cancellation of Debt but they have it coded incorrectly. It should be noted that it was due to a Bankruptcy. This is unacceptable and a violation of Bankruptcy Code

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: United Credit and Collections Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am trying to get united credit and collection to validate this account belongs to me. I have no contract with this creditor and have not recieved paper work validating this is my accounts. I have no knowledge of this inaccurate account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Red River Collection Company, Inc.
State: CO
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 began receiving letters from Red River Collection Company , Inc. on XXXX XXXX, 2015 stating that I owe debt to them from " Stop XXXX Park ''. I wrote Red River Collection Company , Inc. a letter stating that I do not owe this debt. Red River Collection Company continues to send letters, has called my cell phone and now my place of employment. They state that I owe them {$110.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: YKS Acceptance, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a vehicle from Herbies auto in XXXX Colorado back in XXXX of XXXX and had to return it in XXXX of XXXX do to financial problems I later learned that they have been sued for hidden finance fees and I 'm having my wages garnished this was the XXXX vehicle that I had purchased from them and have recommended people to them I really do n't think that the should be able to garnish my wages if they have been sued in the time frame of which I purchased my vehicle from them please if you can help me that would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX mortgage for XXXX over 15 yr. 11.95 % balloon payment, under HAMP we were denied a mod for 13 yrs. 6 mon. before finally dropped {$650.00} mon. to {$400.00} and lower % to 4 %, had major hardship XX/XX/XXXX, XXXX XXXX, no insurance or job, they raised payments for XXXX yrs. During mod review from XX/XX/XXXX-XX/XX/XXXX they attemted to Foreclose, this is Dual tracking, tacked on over $ 28k in penalities in that time span, so I owed over $ 28k more than I financed at end of term, now they filed Foreclosure 2 yrs. later, looking for help, never told about Recsission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: GMA Investments, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I had did a payday loan over a year ago and a company called summit recievables a collection agency keeps calling me threatening me to take me to jail because i wrote a faule check they will proccess if i dont pay them. I never wrote a check and was over drawn and account was closed. 

Summit Recievables Address : XXXX XXXX XXXX , XXXX, NV XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Metro Republic Commercial Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is for a medical emergency and follow up at XXXX XXXX. Veterans Administration has paid with me owing only about {$1800.00} (? ). I like to receive payment history from VA and XXXX XXXX. Where does {$8300.00} come from? Did VA pay XXXX XXXX said amount?

Company response to consumer: Untimely response
Consumer complaint received 2015-09-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a phone call today as well, as my husband, and mother-in-law from a woman named XXXX from XXXX and associates saying they were a law firm sending legal documents to my residence and/or work place so that I could be " served. '' They said this was a civil lawsuit for a credit card from Well 's Fargo bank I opened and defaulted on in 2004. This credit card had been closed and the debt has been closed and written off as a bad debt, no longer on my credit report. They then explained that If I refuse the lawsuit, criminal action will be taken against me and I will be arrested for fraud against a financial institution. Since this debt has been closed and is 11 years old, I am way beyond my statute of limitations for collection. Not only is it illegal for them to try and collect on my debt, it is also illegal for them to try and sue me, threaten criminal action, call my family members, threaten to come to my home and work, and for them to pose as an attorney 's office. I googled this company and their phone number and it is not a known company of anykind, let alone a lawfirm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
after being sent the security note paid in full the bank refuses to give full disclosure on all accounts being dispersed from including what is known as XXXX XXXX XXXX XXXX aka XXXX XXXX roadroad. this was provided in the recent communications with XXXX XXXX XXXX of the funds used to pay for XXXX XXXX XXXX XXXX XXXX Washington XXXX, financial responsibility is to the lender for acceptance of the funds withheld and transferred and fraud {$130000.00}, based on the acceptance of this one Wells Fargo home mortgage and Wells Fargo are 100 % liable for this bonded transaction secured by the indebtness in trust by and through Wells FargoFargo as an example this has happened numerous times to XXXX XXXX and the bank is aware that 's were the disbursement of funds took place a cover up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-18
Company: PLANET HOME LENDING, LLC
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I attempted to refinance my home. Each time I spoke with them it was a new document they needed. I was told each time they needed nothing new. This went on for over 4 months. I even paid XXXX for an estimate to be completed on my home for the refinance out of pocket. I was then told the rate was no longer good, and I 'd have to wait.

Company response to consumer: Closed
Consumer complaint received 2016-04-26
Company: Ocwen Financial Corporation
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several times this past year for example, Ocwen has sent notification of loan payment increases. Three times claiming to be for Escrow shortages. Once within two weeks. Now I get after sending in the amount, posted, now another increase. They seem to either can not add or subtract or are attempting to commit fraud by claiming false chargers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: KEYCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I took out a loan with XXXX XXXX XXXX  ( " XXXX XXXX '' ) for a used vehicle. I paid the agreed upon payments every month, on time, up until I started receiving calls from KeyBank. I didn't know about KeyBank prior to answering one of the countless phone calls from one of the representatives. I was informed that KeyBank merged with XXXX XXXX, and they're my new loan provider. They began asking me about missed payments, which was shocking, because I never missed a payment. Being that I had no idea XXXX XXXX was merging with KeyBank, I continued to write checks out to XXXX XXXX not knowing that they're no longer XXXX XXXX. I never received a notice about the merge. KeyBank continued to harass me about the " missed '' payments. I submitted proof of the checks, but that wasn't " sufficient proof. '' They threatened to repossess my vehicle if I didn't make payment towards the " missed payments. '' I told them I refuse to do so, because payments were made, and the money was taken out of my personal bank account. To date, I still receive multiple calls from KeyBank, and this issue hasn't been resolved. The bank is requesting for me to pay the full amount of the loan, which is not something I want, and I'm not prepared to do so. I signed a contract for a loan for 72 months, and it's unfair for the bank to disregard same due to their mistake. When a bank merges with another bank, documents and payments should be successfully transferred over to avoid issues like this. I did my due diligence by providing proof of payments made towards the loan. If you require any additional information, as this is a very brief description as to what's going on, please contact me.

Company response to consumer: Closed with explanation