BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX I did a transfer to XXXX, when the recipient went to get it on the XXXX of XXXX he said that the money gram agent said the money has been picked up so I called money gram on the XXXX and the agent said the same thing, I explained to him that the recipient did n't get the money, that agent told me to ask the recipient to return back where he tried to collect the money and have them check the computer so he did, but the agent in XXXX told him to tell us ( his father and I ) to go back where the money was transferred to fix the problem. On Tuesday XXXX XXXX, 2016 I went back to the location and that agent said it was picked up when I explained the situation she called money gram and put me on the phone with them. I explained the situation to the XXXX ( the agent on the phone ) and she was asking me some irrelevant questions like do I know this person, when was the last time I saw that person face to face, what is my relationship with that person, why did I send him the money, what did he tell me he was going to use the money for. I told her that those types of questions are irrelevant, stupid and have nothing to do with my concerns all I need from money gram is to tell me who picked up the money and what kind of ID was used by the recipient for the agent to release the funds. XXXX said that she could n't see that information, all she was able to see was that it was picked up and I find that to be not true. Because what is the purpose of asking for picture ID if it will not be used and entered in the system as evidence that the recipient is the XXXX collecting the funds. She told me that money gram will open an evestigation and I will be notified in 90 days about the result. I told her that I could n't wait for that long to get an answer. Now let me say that this is the first time I am in this situation with both the recipient and money gram and I am aware that the recipient may be lying to us although he never done it before and I strongly believe that money gram is responsible to provide me proofs that the recipient picked up the money instead of interrogating me and I told XXXX that, if the money was picked up what was used then I know the recipient is lying to us or if it was not picked up how do I get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was hurt on the job. I was covered by workmans comp. I Supplied all required and requested information to hospital administration. I completed and turned in every form to my employer in a very timely manner. A few days later, I began getting phone calls about the hospital not receiving payment. I told my employer that there was an issue with the hospital getting payment because the insurance company did not have all of the required paperwork. My employer kept saying it 's all been taken care of, the company and the hospital will get it worked out. I stated my case to anyone that had any involvement in the process. Just hoping I would be released from the responsibility of asking adults who are professionals in the customer service industry to communicate effectively and identify issues that have very simple solutions. It quickly became clear that complete incompetence, or at-the-very-least fraudulent negligence by my employer and his insurance company. I quit my job and never again was able to have any conversation with my ex-employer. I ca n't even get info on which WorkComp Co. the policy was with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Pinnacle Credit Services, LLC
State: TX
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:
XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: Pinnacle Credit Services, LLC
State: MN
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 have disputed this debt and asked for verification of my responsibility for the account but never received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
Id theft victim. Another account popped up on my report 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 non-monetary relief
Consumer complaint received 2016-09-23
Company: Pinnacle Credit Services, LLC
State: TX
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 is not mine, furthermore I was not notified or sent a notice that this debt was going to affect my credit score. No notice of an attempt to collect a debt was sent or an option to dispute the debt was given. This debt is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Stellar Recovery, Inc.
State: WA
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 paid the debt they wo n't take of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: FIRST HORIZON BANK
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a line of credit loan back in XXXX the loan was for 20 years. for the first 10 years which ended in XXXX my payment was {$760.00}. without any warning my payment went to over {$2800.00} starting in XXXX. I could not make such a large payment and continued to make a {$760.00} payment per month to this date. the bank is threating forcloseure if all arrears are not paid by XXXX. I have applied for a loan modification and waiting to hear about that. my first mortgage is nearly paid off. I have lived here 25 years and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Farrell Holdings, LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I will commission into the XXXX XXXX XXXX XXXX in XXXX of 2016. I currently owe more than my home is worth and contacted my servicer about the possibility of a short sale or deed-in-lieu so that I can move to XXXX XXXX XXXX when I go on XXXX. I was told that I had to submit the paperwork for a modification even though a modification will not help my situation. Supposedly I was approved for a modification that will reduce my payment by {$22.00} a month. This does not address my issue, since I am current on my mortgage and have excellent credit. The issue is not the payment, but the fact that I have to move in order to serve my country and can not sell my house due to the decline in the real estate market. Because of my credit and that this is an FHA loan my servicer is telling me that the only way I can get out of it is default on the loan and let it start the foreclosure process in order to be approved for a short sale or deed-in-lieu. The only reason that I am trying to get rid of my house is because I am moving as a result of service in the military. I would like to keep my credit score as high as possible, because I need approval to rent in XXXX. I can not afford to pay rent in XXXX and mortgage in XXXX for a house I no longer live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax Refuses to remove negative items and inquiries from Credit Report even though companies are unable to validate debts via signed contracts. Credit score incorrect. XXXX XXXX, XXXX XXXX XXXX has placed invalidated information on the credit file via 3rd Party Collection Agencies which have failed to validate these debts. They are unable to provide a contract signed by me to validate the debt. Inquiries disputed but have yet to be removed. It 's past 30 days. Company not compliant with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX/XXXX/XXXX - Contacted my mortgage company for information on how to apply for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Was informed that the process can be applied for on-line and would take approximately 30 days. 
XXXX/XXXX/XXXX - Applied for XXXX on-line. 
To sum up what was told should take approximately 30 days took almost 2 years. 
- In excess of more than 40 telephone calls regarding status of my HAMP application - Having to submit documents more than 6 times - Receiving XXXX different " Forbearance Agreements ''. I sent my 1st payment for a Forbearance Agreement. It was returned. I was told that the check that I sent needed to be a " Cashier 's or Bank Issued Check ''. Nowhere in the " Forbearance Agreement '' did it mentioned this. Reissued a Cashier 's Check and that was also returned because they indicated that the Forbearance expired. 
- I had to hire an attorney to resolve the foreclosure issue and have the foreclosure case dismissed. 
- This entire XXXX process which was to take approximately 30 days that began on XXXX/XXXX/XXXX was FINALLY modified on XXXX/XXXX/XXXX per their letter dated XXXX/XXXX/XXXX. Almost a 2 year painstaking process. 
I have all Exhibits XXXX available for review and can be sent via mail or overnight. My notes are very detailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked on multiples occasions validation of these accounts to this company through the credit bureaus without a statement from the agency, keep that information in my credit files, under Fair Debt Collection Practices Act I have the right, unverifiable accounts must be remove under the Fair credit reporting Act I hereby request.1-What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3-Provide me copies of any papers that show agreed to pay what you say I owe 4-Provide a verification or any judgment if applicable 5- Identify the original creditor 6- Prove the statute of limitations has not expired on this accounts 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent. Without this information requested is clearly violating my rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Stellar Recovery, Inc.
State: WA
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 had accounts with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX who all were hacked and had information stolen. XXXX XXXX XXXX gave me an Identify Theft Protection subscription from XXXX. I was notified by them that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name Stellar Recovery had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called Stellar Recovery and according to them, XXXX on XXXX of 2015 assigned them an account to collect in my name. Stellar Recovery told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told Stellar Recovery that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am, I am a XXXX when this took place. I shared that I have XXXX when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections to that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them XXXX times ( XXXX different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still have not heard from them and my credit is being hurt because of them. The proof I sent was a notarized letter from my XXXX in Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. If you contact me and give me a fax number I will fax you the proof I mailed to XXXX which was a notarized letter from my XXXX Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. My cell phone number is XXXX. Please help me. Thank you and have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Stellar Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
these debts were paid off in full and still put on my credit report anyway. ( XXXX XXXX XXXX. Stellar Recovery was given my visa card # to take the money directly from my checking acct. XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called stellar recovery told them what I had done and why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Farrell Holdings, LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an auto loan with Prime Acceptance and I defaulted on it. They have since sold the debt to XXXX XXXX XXXX. XXXX XXXX bureau is now collecting and has been since 2011. But Prime Acceptance is also still collecting and reporting the same debt. So they are double reporting. I have disputed it several times yet they claim it is valid. How can XXXX companies collect on the same debt and that be valid? It is not based on my research.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card
Issue: Other

Complaint:
I returned three rings to XXXX on XX/XX/2016. Items were returned and I have yet to receive refund. I tracked the items and kayoutlet received the returned items on XX/XX/2016. It 's been well over 80 days and the {$2000.00} has yet to be refunded to my Kay jewelers credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Receivables Management Associates
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX account was settled in full for the amount of {$300.00} final payment on XXXX/XXXX/XXXX to XXXX Case No. XXXX. There have been several different collection agencies over the last 6 months requesting payment on this account paid off and open before XXXX Who do I need to contact to stop the harassment? The last company called Piedmont Recovery called 3 times in on the same day. Each individual gave the same information of threatening to prosecute me in court ; in the same process refusing to accept documentation showing proof this is paid. This company only wants to make arrangements for payment of {$5000.00}, in which this account was settled with final payments of {$300.00} in XXXX. Piedmont Recovery is located at the address XXXX XXXX XXXX XXXX in XXXX, North Carolina XXXX. They can be contacted via phone at XXXX XXXX XXXX XXXX this is the number used to contact me and alternative number to reach Piedmont Recover is XXXX XXXX XXXX XXXX. For more information from Piedmont Recovery speak with XXXX XXXX the supervisor Manager according to XXXX XXXX XXXX 
XXXX Account Ref # XXXX according to Piedmont Recovery this was open on XXXX/XXXX/XXXX, but account was prior to XXXX, Piedmont Recovery Ref # XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2016-04-12
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I got my first bill from Sallie Mae. Its {$1400.00}, more than half of what I make in a month. I called to see what I could do. I could only pay interest on XXXX of loans, which just happen to be the cheapest XXXX and go into forbearance on the XXXX most expensive ones ( XXXX have interest rates above 8 % ). XXXX will add XXXX on to the total cost of my loans, so no. I could pay interest on the XXXX loans and pay the full monthly payment on the other XXXX, but that monthly payment is still around {$1000.00} a month. I even talked to collections, but to no avail. I have cosigners, but XXXX are still paying back their student ( and other ) loans, so theres not much they can help me with. So I either add XXXX, possibly XXXX on to the life of my loan or go into delinquency before they do anything to help me ( which is illegal ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit report and there was an account from consumer portfolio which I never had I have made several attempts to get this resolved but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
After obtaining a HAMP modification, I enrolled my account in EFT payments. When I set this up XX/XX/XXXX, I was told that I had to make my regular payment XX/XX/XXXX. I initiated my regular mortgage payment on XXXX XXXX, and the company went and drafted another mortgage payment on XXXX XXXX, despite them advising that they would not be deducting a payment from my account. It took 10 days and a lot of running around for Ocwen to refund the additional payment. During the refund process, I asked them to cancel the EFT since I had received too many differing stories regarding the refund. They confirmed that my account was unenrolled in their EFT program. 
On XXXX XXXX, XXXX, I initiated my regular mortgage payment which was successfully processed from my account. Ocwen went and drafted another payment from my checking account on XXXX XXXX, 2015. I immediately noticed their error and contacted them on a daily basis to request yet another refund. They told me that the refund was issued on via wire transfer on XXXX XXXX, the funds were not received into my account until today, XXXX XXXX, 2015. The newest problem is that they have over-refunded me and are now calling my loan late and applying a late fee.

Company response to consumer: Closed with explanation