BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: GVA Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This is the last and final chance for you. 
This Legal Proceeding issued on your Docket Number XXXX with one of Cash Advance XXXX. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 
case File # : XXXX Loan Amount : {$300.00} Amount Outstanding : {$790.00} Settlemen Amount : {$400.00} You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you found guilty into the court house then you have to bear the entire cost for this law suit {$6300.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you, we believe that this was not your intent and that these steps are unnecessary. 
IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sold my house in XX/XX/2015. at that time, I cancelled my XXXX because I did not need it anymore, since I had sold my house. I informed XXXX, and they agree. since then, XXXX has been sending me monthly bills for service I nolonger received. XXXX has sent three different collection agencies to collet a bill which is not legitimate, because I nolonger received their services, they agreed to stop the service, and are still pressuring me, through collecting agencies, to pay a bill for services they no longer provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
NCO / Expert Global SolutionsThis company has been calling me for over 1 year. I have no debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m\loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This starts back about 7 years ago. I had acquired several rental properties at XXXX time. I received XXXX loans from Chase and XXXX from XXXX XXXX. As of today I have XXXX rental and my primary residence because the rentals have either foreclosed or were taken into short sells. I have been asking Chase for the last 6 years to help me. I have sent it modification apps, I 've shown them all the information they want and every year they come back to me with a denial and say the only options I now have are ; deed in lieu, short sale, pay $ XXXX in back money and we can start fresh. If I had all that money I would have sent it in. Since they have never even offered a settlement on the back money it has grown from $ XXXX to $ XXXX over the years. I am again appealing the denial and never, ever does anyone want to help me. I have shown hardship after hardship letter. I can afford the mortgage if the back money was not hanging over my head. Every bank says they want to help you stay in your home but do n't believe them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My car was total due to a car accident on XXXX/XXXX/2015 and my insurance company sent a check to the finance compy. I was told that I did not owe anything on my loan that the check paid off the loan..now they are requesting me to pay XXXX to pay the loan off. I chatted with a rep online who advised me that my balance before the insurance sent them a check was {$4500.00} and the payment sent in from the insurance compy on XXXX/XXXX/15 was {$4400.00}. That leaves me a balance of $ XXXX..yet they want me to pay {$490.00}. I refuse to pay this amount because I think that they are overcharging me. When I look at my account online I do not see any payment for {$4400.00}. The online chat person stated that they applied the payments to my loan in XXXX separate payments totalling the amount of {$4400.00} and typically the payment is applied to interest, principal, and then fees. So I asked him what is the balance of {$490.00} is for? Was it for fees? He stated that there are no fees associated with my account. So why am I having to pay {$490.00} instead of the {$120.00} that should be left on my loan. Please help me since this affecting my credit. I am a senior citizen, XXXX woman and I think that this finance company is not applying my payments correctly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Santander came today to Reposes my XXXX after months of trying to renegotiate my 37 % predatory loan now they want to Reposes my XXXX i need help so i want the XXXX banks mortgage relief center and his team of law firms to audit the car loan and see if it hassecuritized in XXXX of those Asset backed securities

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have received multiple calls from this collection agency for someone else. I 've told the representative repeatedly that they have the wrong number. The rep continues to argue with about this being the first time that they 've called. 

Today the same thing happened only this time I was called a XXXX by the collection agency representative. I hung up the phone and called back and spoke with a supervisor. I was told that the they listened to the call and the rep would be reprimanded and my phone number would be removed from the call list.

Company response to consumer: Closed
Consumer complaint received 2015-11-25
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello, I had a loan with RoadLoans in XX/XX/XXXX, repoed in XX/XX/XXXX. RoadLoans was bought by Santander in XX/XX/XXXX. I filed bankruptcy XXXX discharged in XX/XX/XXXX. Case # XXXX. RoadLoans and Santander is part of my filing. 

RoadLoans and Santander take turns appearing in my credit reports as late payments. I have called them. I sent a certified letter telling them to stop and comply with a federal order. 

I am applying for a FHA ( possible USDA ) loan. I have to write a letter explaining my late payments with my student loan and bankruptcy. Apparently RoadLoans/Santander appeared again on my credit report as unpaid. 

I am asking for assistance in this matter. 

Respectfully Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: WINN LAW GROUP, APC
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:
I had a debt with XXXX credit card. XXXX charged off the debt a third party debt collector picked up the debt and sued me in court recieving a judgement against me. I live in the state of california, the law here states a third party debt collector can not sue a person in a court of law, they may contact the individule and try to collect but they may not take them to court. Also this third party debt collector sued me in court after the statute of limitations ran. They keep harassing me with letters saying they have a judgement and they are going into my bank account or worse. This Winn Law group must be stopped with such illegal practices. Please help me to get these people off my back and stop them from further harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/2016 XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX, XXXX XXXX Re : Acct # XXXX X To Whom It May Concern : This letter is regarding account # XXXX X, which you claim MY ACCOUNT WAS CHARGED OFF {$13000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter i sent to santander. they have not responded. They failed to send the document requested according to the above letter. i am hereby requesting they delete any negative report from all XXXX credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed money to XXXX for their XXXX XXXX which was paid in full, confirmed by them, during a garnishment in XXXX 2015. I got my mid month pay statement for XXXX 2015 and once again, had a garnishment. I contacted XXXX who advised me to contact TSI. I called XXXX and spoke to XXXX. I told him that XXXX confirmed that the debt did n't exist and he told me that they would not know that information. That the ORIGINAL CREDITOR would not know whether my debt was paid off or not. I was told that the US Treasury would be the only agency that would know and that they would not tell me any information. None of this conversation sounded correct to me. I would like someone to look into this, especially since I am receiving only {$560.00} a month in my pay due to TSI collecting it. I am XXXX military and can not support my family off of this small amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: TRANSWORLD SYSTEMS INC
State: FL
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 XXXX. I received a call from Trans World Systems XXXX at approximately XXXX on XX/XX/XXXX. They asked for a specific person, who I did not know and never heard of and I told them this was a business and I knew of no such person. She proceeded to tell me I was being recorded and did I know this person and this was not a business it was a personal phone number. This person needs to be fired as this company obviously does not know the rules. I always answer XXXX XXXX XXXX. The club has no debt and no employees. This is a very aggressive individual who does not listen. I do not need this company calling a business while I have customers. I want her fired for failure to listen. 

If someone tells her they called a business, she should listen and she should not try to press forward with obnoxious questions about someone I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a loan for training at previous employer. Loan paid in full XXXX XXXX. Received notice from Transworld Systems Inc. of debt owed of XXXX on XXXX XXXX XXXX. Address listed for transworld systems inc include a XXXX XXXX and XXXX address on same document. verified funds paid my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Nationwide Biweekly Administration, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
National Biweekly Administration has debited money from my account and not paid my mortgage. They have not refunded the money. They have not answered calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding had attempted to collect money on a debt that I did not owe. Charges were put onto my account that did not belong to me. I asked Midland to provide me with documentation that I received the services for the debt owed. Midland did not provide that information. They filed a lawsuit in court agaisnt me but never showed up for court. The Judge dismissed the case. They are still trying to collect the debt and will not remove the negative information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have XXXX XXXX XXXX card that I use for business purchases/expenses. XXXX of the main reasons I use this card is because I can defer the payment for 60 days. Over last few months because business being slow and other reasons my credit utilization debt/credit ratio changed. In the mean time an executive from XXXX visited me at the office and actively encouraged me to use the card more and was told verbally that he would see to it that my line can be bumped up significantly to XXXX. After next few days I get notified that my credit limit was reduced to {$31000.00}, and future charges were being refused. I have always used the deferred payment to manage my cash flow. My card payments were according to the terms that were promised, I do n't mind if they reduced my credit line ... but I just saw that they have deemed my account past due and in a suprise move taken away the deferred pay option. They want me to pay all balance by XXXX XXXX, which I believe is not correct. I wanted some XXXX to contact them on my behalf and resolve this before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: TRANSWORLD SYSTEMS INC
State: FL
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:
Transworld System Started to garnish my income tax for a debt i do not and could not owe. i ask repeatedly for proof such as signed receipt or invoice with my signature or info for said debt. with no reply, still they continue to garnish mine and my wife 's income tax refund.The debt is no report to the Credit Bureaus due to lack of documents to validated their claim, and was removed from all XXXX Bureaus as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I have a general complaint. Chase does NOT allow me to setup an automatic payment to my credit card for anything other than the minimum payment due, or the full balance due. I believe this is on purpose, to force the consumer to not be able to pay anything other than the minimum payment, and then have to manually schedule payments at a separate time for anything above the minimum, but below the full balance. If I want to automatically pay {$500.00} or {$750.00}, when my minimum is only {$150.00} or {$250.00}, I should be able to!!!! It is total XXXX just designed to XXXX me from automating my payments @ where I want them to be, so I can pinpoint my payoff date. Instead I have to remember to go in and manually pay them, and if I forget, oh well, just more interest for the bank. They should NOT be allowed to tell me what I can automatically pay every month. I should have the ability to pay what I want, as long as it is above the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: ERC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We emailed a request for a payoff demand on XX/XX/XXXX. I called in today, XX/XX/XXXX, was told there was no record of it being requested. When I asked to speak to a manager the LoanCare rep hung up on me. This is not acceptable. -- -- -We see a disturbing trend of XXXX discrimination with LoanCare towards their minority borrowers. ********* Specifically, please look at the history of complaints centered around XXXX discrimination for this borrower. When is the Federal government going to put a stop to this????

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 2015-05-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015, I initiated a stop payment with J.P. Morgan Chase on my checking account for any transactions from XXXX Cash. On XXXX XXXX, 2015, XXXX Cash presented an ACH Debit Card transaction for {$180.00} which J.P. Morgan Chase Bank paid. I disputed this with J.P. Morgan Chase citing the stop payment I had initiated on XXXX/XXXX/2015. They investigated the matter and concluded that the transaction was appropriate and are now charging me for the {$180.00} that they paid when they should not have paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : Transunion Complaint : After disputing and providing official, accurate and complete documentation with Totals paid and Payoff amounts met as requested by XXXX XXXX. Transunion will ONLY agree to publish inaccurate information provided by XXXX XXXXXXXX. 

XXXX XXXX. Rice

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