BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am not sure if I selected the right option for this complaint. However, I am submitting this complaint on Tower Loan that's located on XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I received an unsecured loan check in the mail XX/XX/2021. I cashed the check XX/XX/2021 and I am well aware that I am a month payment behind. I have informed them that I would pay this upcoming Friday, XX/XX/XXXX, XXXX have also informed them not to call my job or during my working hours. However, even after informing them of this they have still been calling my job. Not only did they call my job Tuesday, XX/XX/2021 the young lady who called informed my manager that I owed a debt. When my manger informed me of this I called them to let them know for the third time not to call my job. The young lady on the phone said, Well XXXX XXXX what you gon do? As if shes trying to invoke me and/or threatening me. I then replied that Ill just file a complaint and hung up the phone. I proceeded to start back working but they began to call my phone back to back, which was a total of 5 times. I did answer the second time they called and informed them that they were in violation of 15 usc 1692d ( 1 ) ( 5 ) and 15 usc 6801. I told them that I am aware that I am a payment behind and I will make the payment this Friday and that I didnt appreciate that you informed my boss that I owe a debt. Not to mention to continue calling me while I am working. Once I hung up the phone the second time they still began to call 3 more times, which was the total of 5 times. The same young lady, who will not provide her name, called my job again Wednesday, XX/XX/2021 and Thursday, XX/XX/2021. She called my phone again during those hours as well back to back for a total of 3 times. Today, Thursday, XX/XX/2021 when my manager informed her that I was not there and to not call, in which she had already informed her of this on Tuesday the young lady replied back to her, " Well it's a new day. '' and then she hung up the phone. By the time you all will get this complaint I will be caught up on payments, but I do not appreciate the harassment and providing private information about me. I have also never gave them permission to call me job from day one of receiving the check in the mail.

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 2017-09-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Bayview says there is no option for me to keep my home. Either I have to pay the total principal balance of {$980000.00} it will be auctioned on XXXX/XXXX/XXXX. I worked hard to save money for down payment and still work hard to keep my home. Bayview had my loan modification request for months and on XXXX/XXXX/XXXX the notice of auction that is scheduled to auction my home on XXXX/XXXX/XXXX posted on my home door then denied my request on XXXX/XXXX/XXXX. 
I, XXXX XXXX, got a mortgage through XXXX on XXXX XXXX. I was paying my payment on time till XXXX XXXX. My financial situation got changed when I lost my job after my youngest son got into head injury ( concussion ) while he was playing lacrosse game on or about XXXX XXXX, he still is going through treatment. I got job here and there but none of them was permanent. I could just bring the food to the table for the family oXXXX XXXX I fell behind on my mortgage payments ; I was a single earning member of the family with my XXXX, XXXX kids, and XXXX parents with loss of income because I got lay-off on early XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, XXXX, and only son of my XXXX parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another and be worry about my XXXX parents and my kids school while myself working full time. My family and I can not be homeless and sleep in street. I am requesting Bayview to reconsider my situation and put me in a reasonable payment plan. Bayview asks me to pay total balance of principal of {$980000.00} or will auction my home on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, XXXX I received an alert notice from XXXX XXXX XXXX, an Experian company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XXXX XXXX, XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with XXXX and XXXX. Experian referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( Experian 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

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 2019-07-29
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Delta SkyMiles Card was approved on XX/XX/XXXX, and I had enrolled in this card to take advantage of promotional offer of XXXX bonus miles during first 3 months of account opening. I am however not able to confirm minimum spend, current offer is {$1000.00} during first 3 months of account opening. 

After a spend of {$5300.00} during XX/XX/XXXX itself, I had contacted AMEX in XXXX for my bonus miles. However, they are unable to attach a promotional offer to my credit card application and informed they will not be able to disburse promotional bonus miles of XXXX. 

1. AMEX Delta Skymiles Card Approval Email. 
2. XX/XX/XXXX Statement. 
3. Current Delta Skymiles Gold Bonus Offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Midland Funding on XX/XX/XXXX or XXXX to settle my debt. They were sending me to small claims court for {$1400.00}. When I called, I spoke with someone named XXXX XXXX and he told me that the only way he would negotiate my debt would be if I answered his questions. He wanted to know how much my mortgage payment was and my car payment and how much money I make and how much all my bills were and when I refused he said he wouldnt talk to me if I didnt give him that information. Then he told me that he would negotiate my debt down to {$1200.00} if I paid that amount by XX/XX/XXXX. He wanted me to give him my account information over the phone and I told him I would use the website and he kept trying to get me to pay over the phone but I refused. I then paid the {$1200.00} on Friday XX/XX/XXXX. The website said I still owed {$140.00} even though XXXX said my debt would be settled at {$1200.00}. He also told me he would send me confirmation in the mail which never came. Today I received a notification from XXXX XXXX saying Midland has increased the amount I still owe from {$140.00} to {$440.00}. This should be against the law because at this point they are asking for more money than I even owe. Not to mention the fact that I never entered into any agreement with this company in the first place. They are a third party agency. They also reported this information to XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible .. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

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 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact TransUnion. 

I have contacted all three credit bureaus and filed disputed with XXXX and TransUnion. XXXX referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX XXXX is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

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 2017-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX acollector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The innaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars. 
The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the account and moved to another carrier.I was being billed heavily as I had added my girlfriend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good or adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a bank wire on XXXX XXXX in the amount of {$22000.00} to Coinbase. After several days I contacted them through their website ( recommended by Coinbase for complaints ) I have yet to receive my money credited to my account nor have the sent my funds back to me. It is now XXXX XXXX. 

My bank XXXX XXXX bank contacted their bank, XXXX XXXX Bank and their wire dept. and their wire/operations dept. confirmed that the {$22000.00} was posted to their ( Coinbase ) account on XXXX XXXX. That being said, wheres my money? 

As of XXXX XXXX my bank issued a wire reversal and reached out to Coinbase two different times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After learning that I was denied credit for a loan to purchase my first home in 2018, they informed me to go check my credit report and do an investigation to see if there are items on there that I dont recognize. I did that and upon checking my credit report I noticed that there were several accounts and issues that should not the there. I contacted the Federal Trade Commission and summited the identity theft letter and sent to the bureaus with no response. They never did much on it I also put a fraud alert then the freezes on my reports. Then I learn that they were a data breach within the bureaus, and I matches up to the timeline of when my accounts were compromised. I have been sending my letters certified and contacting the creditors with no responses to the real issue. I always get the that the accounts have been updated which means nothing they never made a change to anything or they verified so I sent a letter asking for how they verified and I get no response. I have been spending too much time and effort to handle an issue that they created. I just want then to fix this issue so that I can go on with my life. I expected a higher level of service from the credit bureau than they showed me these last few months with this issue and I am quite disappointed in the way and how they blatantly pushed this issue and made me the consumer feel that I was in the wrong and never summited the proof that I asked for with the letters that were sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Colony Brands, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX & XXXX several times provided all of my information and was told that I was not in their system, however, the keep reporting on my credit, I have requested sign documents if they have an account and have not received any documents from this company. You are reporting on my credit incorrectly, You have been informed of this several times by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am very discourage by a collector taking money from my family without first validating the debt, knowing how illegal it is trespassing private information with my employer now putting my family at risk without now having my check cutdown drastically taking also away from my child support for my other son.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
JJ MARSHALL & ASSOC File Number : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because the total is inaccurate and I have been continuously harassed with phone calls from the company since early 2018. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not fully owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company is the second mortgage lien holder on our home and do not have or will not provide a copy of the mortgage note to the first lien holder at my request. They were contacted in the beginning of XXXX XXXX with a request for a subordination and a copy of the note. The first lien holder paid for the documents on XXXX XXXX XXXX and received the subordination in late XXXX. We are still waiting for them to receive a copy of the actual note. When I call them time and again, I am placed on hold for extended periods of time then told to call another department and get the same results. 

If this company does not have a copy of the note, what are our options? I understand that by law, they have to have a copy on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On, XXXX/XXXX/16, XXXX withdrew {$65.00} from my XXXX XXXX checking account in an authorized direct debit transaction. I have tried to resolve the issue with both XXXX XXXX and XXXX with no luck. 

I would like a refund of my {$65.00}

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