BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Improper Credit of Payments during Bankruptcy : We filed Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX and our mortgage company was XXXX XXXX XXXX. The servicing transferred to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/XXXX. We made all payments to the Trustee, who subsequently made all mortgage payments directly to the lender. Our case was discharged on XXXX/XXXX/XXXX. As part of the Notice of Final Cure, the Bankruptcy Trustee stated the SLS claim was paid in full. In response to the Notice of Final Cure on XXXX/XXXX/XXXX, the XXXX Attorney stated the pre-petition arrears have been cured and the post-petition payment in the amount of {$4700.00} was delinquent. We paid the {$4700.00} amount and are current on our loan serviced by SLS. Even though we complied with the Final Cure and paid the delinquent payments, SLS is stating we are behind on our payments. 
No Notification Regarding Payment after Discharge from Bankruptcy : SLS sent no notification to make payment after our BK discharge ( XXXX/XXXX/XXXX ). Also, we could not access our loan information on line until XXXX/XXXX/XXXX. We made several calls to SLS and were even told not to make a payment until they reviewed our loan. We did not know when our next payment was due. Our second mortgage, XXXX, sent us a letter indicating the amount of payment and place to make the payment. All payments were made timely to XXXX and XXXX did an excellent job keeping us informed. Despite many attempts to obtain accurate information from SLS, it became clear there was no one competent at SLS to answer our questions regarding the amount and due date of the payment. 
Incorrect Pay History : This error has resulted in inaccurate amounts added to our loan, such as interest and late fees. We received a verification of mortgage on XXXX/XXXX/XXXX which is also in error. 
Improper Credit Reporting : We applied for a loan with XXXX XXXX and were denied due to SLS showing we are currently delinquent on our mortgage.

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 2016-04-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The false representation and/or implication by the " Wakefield & Associates, Inc. '', a Collection Agency, caused me to lose any claim or defense to payment of the debt including questionable interests.

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 2015-10-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my XXXX. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17
Company: Fairway Independent Mortgage Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Around XXXX XXXX I started sending in required documents to XXXX XXXX of Fairway Mortgage company after our offer was accepted on our new home. We usually sent him everything he requested within a few hours each time. Later in the process we started asking if they had a close date in mind since the house I was renting now had a contract on it and they would be closing XXXX XXXX, we had to close before them. From the very beginning we asked for XXXX XXXX and constantly reminded them XXXX XXXX was rapidly approaching. We were never told XXXX XXXX was impossible. XXXX XXXX I 'd put a comment on a social media about how they are not keeping us updated on the progress of our loan and keeping us in the dark. A friend had recently closed with them and it was a great and fast experience. She gave me a few names from corporate headquarters to call for help, which I did. They corporate people were shocked and the lack of information they could obtain on our loan, they were trying to help expedite it because XXXX XXXX was the following week. I was told that the particular branch of Fairway I 'd chosen was having personnel problems and some loan officers had left and one was on medical leave so all of the loans had to be routed to corporate for processing. We checked with these ladies almost every day and did n't end up closing until XXXX XXXX and even up to the day before at XXXX pm, XXXX Mortgage was asking for paperwork proving my boyfriend had paid a boat off with one credit union and the other credit union used the funds to pay off such boat! Bottom line we did n't close until XXXX XXXX, had to hire movers ( {$750.00} worth ) to move us because we did n't close until XXXX and the house we were moving out of closed the next day, so we had only hours to get our belongings out of the house. The XXXX and hard spots this company put us through was a nightmare. We were kept in the dark through the whole long process and Fairway was made aware from the beginning that the house we were occupying had a contract on it and we had to close and vacate prior to their closing date of XXXX XXXX. Worse house buying experience I 've EVER had.

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 2016-06-15
Company: Omega RMS, LLC
State: LA
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:
In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: FL
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 company named Mercantile has contacted me stating that I owe them money. I do not know who they are. I used a template from your website asking for information about the debt they referenced in their contacts with me. I certified mailed it on XX/XX/2017. 
It is now XXXX, and I have not heard back from them. I am worried that they will try and hurt my credit. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX work at XXXX XXXX of XXXX in XXXX 2014. I paid my part in full before the procedure. They failed to do the insurance paperwork and they kept sending me bills for the part covered by insurance. I contacted them and the apologized and gave some excuses about the issue ( which I do n't think was the case ). 

After a while I received a letter from Debt Collector. 
I contacted debt collection agency and the dentist office to resolve the issue but it did n't work. I contacted the insurance company and took care of the issue myself and had them send the doctor the check. 
Insurance company record shows that the doctor has cashed the check. After receiving calls from debt collector I contacted the doctor again and doctor 's secretary apologized for the problem affirming I never have outstanding balance. ( all email correspondence attached XXXX But the debt collection agency keeps calling me and they say their client XXXX dentist ) says they have never received any payment, and they continue their harassment after a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Specialized Loan Servicing Holdings LLC
State: IL
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:
Specialized Loan Servicing, XXXX XXXX : Refinanced my HELOC about 4 years ago. They represented it as a 30 year fixed loan for about $ XXXX. I asked for a letter confirming this and got it. 
About 2 months ago, XXXX XXXX XXXX XXXX notified me they had possession of the loan and I was to repay them. No one knew anything about the 30 year fixed loan from SLS. Weeks later I got a notice to pay $ XXXX in back interest on the loan. I protested and they backed down. Now they 've decided the full amount $ XXXX or so, is due on XXXX XXXX, 2016. They declined my request for a refinance. Something is very wrong here. Can you help?

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 2016-06-13
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had previously filed a complaint with your bureau back in XXXX of this year, case number XXXX. My complaint concerned harassing phone calls, notices relating to the intent to place forced insurance, and a late payment notice. In it 's response SLS brushed over the insurance issues and phone calls ; however, SLS claimed that in XXXX of XXXX it did not receive my payment until the XXXX of the month. The ledger sheet that they provided in response was not the typical ledger that you would find if you were to go to a lender 's website. SLS claimed that out of the goodness of its heart it waived the late fee. On XXXX XXXX XXXX, I responded to the blatantly false response of SLS and I provided my statement of XXXX XXXX, obtained from the website of SLS, that showed my payment was actually received by electronic transfer on XXXX XXXX, XXXX. I 'm not sure when my XXXX response was reviewed by SLS, but they have now taken to placing my mortgage payment in a " suspense account '' as if it were a partial payment, and not providing me with credit for the payment for a period of 3 days. As is evidenced from the statement, my mortgage payment is approximately {$580.00} and I have paid {$600.00} each month. I have been paying this amount consistently, and they have applied the overage to principal. There is no reasonable explanation as to why my payments would now be placed in a " suspense account '' other than to create a late fee. The transaction statement on their website indicates that my payments have been received when they " arbitrarily '' decide to take my money out of this " suspense account. '' I do n't know if this impacts what we pay in interest on the loan. When I contacted SLS and asked to speak to a supervisor, he was at a loss as to why this occurred. This conduct is beyond the definition of bad faith, and this lender must be reigned in.

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 2017-03-24
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from XXXX from XX/XX/XXXX and I believe I stop paying into XX/XX/XXXX. I was paying XXXX but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. XXXX decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and XXXX should not have sold this to them. I did my research and XXXX was being held responsible for selling loans they should n't sold. I was more than willing to work with XXXX and I have letters to prove my struggle with XXXX. I have always had a high credit score before needing a operations. I even was able to work with ( XXXX XXXX ) which I understand is one of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXX was removed from your credit report.

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 2016-07-21
Company: BANCO POPULAR DE PUERTO RICO
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My dear Mother passed away a year ago. Mom and Dad had a joint account at the time with the Banco Popular of Puerto Rico. The bank immediately froze both the savings and checking account. The Banks ' excuse was that they following Puerto Rico 's Inheritance laws. I contacted the banks ' legal division and spoke with the Attorney XXXX XXXX. She informed me that if I and my XXXX sisters showed up in person the bank would unfreeze the accounts but she had to confirm if some documents were confirmed. Attorney XXXX can be reached at XXXX XXXX, ext. 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 2017-01-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home mortgage last year ( XXXX ). As part of the process, I was told that flood insurance is now required to be collected by the mortgage company in an escrow account. Previously, I had a flood insurance policy and paid for it yearly. The flood policy never lapsed, since I purchased my home in XXXX, but due to this new requirement, I am paying nearly 25 % more to the escrow account for the same flood policy. In addition, I received a letter yesterday stating that they are collecting for my homeowners insurance, and I have a past due amount of {$600.00} owed to the escrow account. I pay my own homeowners insurance, and again, this has never lapsed since I purchased the home. I have not authorized them to pay my insurance, and I do not want them to, because it will likely end up costing me more as with the flood insurance. This is also the second time my mortgage company has attempted to collect money for my homeowners insurance. 
Is there a way to put my flood insurance back in my control? Also, can you please look into why this company continues to attempt to collect money they are not entitled to? This appears to be fraud.

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 2016-06-24
Company: Global Trust Management LLC
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company by the name of Global Trust Management is using deceptive tactics to contact people. They are using false telephone numbers that say something different than who they are. For example, I received a phone call from what showed up on caller ID as XXXX XXXX ( XXXX ). When I answered, the representative said she was from Global Trust Managent and was attempting to collect a debt. I asked her why her company why they were using false numbers and she said she did not know what I was talking about, so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CMRE Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a negative credit mark for a small amount of money because I was never notified of the collection. I moved from XXXX to XXXX XX/XX/XXXX and the notices went to my old home. I have good credit history, have a perfect payment record, and have never had a negative mark before. I tried getting removed by CMRE collections agency but they said that their policy is to never remove marks as of XXXX 2015. This is absurd and should be against the law. I paid my balance timely and I believe that this should not affect my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make. I also received a letter dated XX/XX/XXXX where states AFTER OUR THOROUGH INVESTIGATION OF THE CLAIM, WE HAVE CONCLUDED THAT YOU ARE NOT RESPONSIBLE FOR THE DISPUTED BALANCE AMOUNT ON THIS MASTERCARD ACCOUNT. Please find attached a copy of the letter sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wages were garnished. I called XXXX to dsicuss the account as I was unaware of this action. The debt is from 2008. I was told that if I paid it in full that day on the phone, that they would return the XXXX back to my employer and that the garnishment would be released. They took my XXXX payment in full electronically from my account on XXXX. They have steadfastly refused to return the XXXX taken on XXXX and on XXXX another deduction was take from my check. This company will not release the XXXX funds to me for 21 days, and then stated they will hold the second issued to them ON XXXX for an additional 21 days despite the fact the account is paid in full. They are hold XXXX of my money causing me financial and mental duress. 

It is important to note- XXXX told me on XXXX that if I paid this in full that the XXXX would be returned to my payroll department and given back to me. They have recorded lines. He lied, they did n't return they cashed it, and now have cashed another and are holding the funds.

Company response to consumer: Closed with explanation