BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This is the private portion of my student loans to attend XXXX College in XX/XX/XXXX. There is XXXX issues with this so called debt. First I have never been able to get a job due to the lack of the proper training. This is the same reason that XXXX College was shut down. I disputed this debt with new collection company in XX/XX/XXXX. Under the Fair Credit Reporting Act they are required to send me the original contract. Instead of sending the original contract they sent me a contract with no signatures, the wrong address, and a lot of other missing info. 
The second reason I do n't feel I owe this debt is in XX/XX/XXXX I XXXX. All my federal student loans have been dismissed by the government and this loan should follow suit, but typical of a greedy corporation they want me to pay for a bogus degree that I ca n't even get a job with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The XXXX collection items on my credit ... ARE NOT MINE AND WHEN I NOTIFIED MCM OF THIS THEY REFUSED TO GIVE ME THE OPPORTUNITY MY LEGAL RIGHTS. THEY DO NOT CURRENTLY HAVE NOR HAVE THEY EVER HAD MY CORRECT ADDRESS. XXXX THE WOMAN HUNG UP ON ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had a home looan with US bank. they were the " second '' position.I ended up becomin permanently XXXX and tried and tried to get a loan modification with them but they took months and months, emailing me, but NEVER gave me an answer. the first mortgae. XXXX, was just about to forecloose so, I had to do a short sale. I wonder why US bank didnt offer me a loan modification??? this was back in XXXX the escrow closed on XXXX XXXX XXXX. I sure miss my house. also.. I thought green tree was supposed to give me " relocation assitance '' but they say no, because it wasnt a " short '' wit them. they say US bank would owe me the relocation. soo.. I would like the relocation fee and an answer as to why they NEVER modified my loan?

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 2015-05-05
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
US Bank XXXX XXXX XXXX Visa -- Bait and Switch advertising to get people sign up for the credit card. I was promised a free night with every reward booking, but the month after I signed up for the card and paid the annual fee, they took the benefit away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-04
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred from XXXX XXXX XXXX Banking to U.S. Bank as of XX/XX/2016. I had already made my mortgage payment for XX/XX/2016 on XX/XX/2016 to XXXX XXXX XXXX XXXX as soon as I received a letter saying my loan will be transferred I called and XXXX advise me that my payment and loan information will be transferred over to U.S. Bank. On XX/XX/2016 I started receiving phone calls saying my loan will go in default if not paid and after 30 days I will be reported to the credit bureau I did my research and when a loan is transferred it says that I have a 60 period before any late fees are accessed or any late notices reported to the credit bureau. I have been calling U.S. Bank in regards to this issue and they say they received the loan information from XXXX XXXX XXXX but never my payment for XX/XX/2016. I then had a manager from XXXX XXXX XXXX XXXX to call U.S. Bank and advise them that all loan information as well as the payment was transferred over on XX/XX/2016 the representative from U.S. Bank then advise XXXX XXXX XXXX to fax over the balance on the loan and the last payment that was received I was also advised to send over my bank statement where the funds were deducted on XX/XX/2016 for my XX/XX/2016 from my XXXX XXXX XXXX Checking Account the fax number that they gave me was XXXX. I called back 3 business days later and no seems to know where the faxed information that I sent over was and they did not receive anything I then asked the representative what happens with my payment and the response was we have n't received anything you would have to send another payment or you will go in default.

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 2016-09-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
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:
Account Resolution Services has refused to give me the address or contact information of XXXX. There are no records or phone number found for this company. I have never rendered services from a company called XXXX. 

Account Resolutions Services also refused to give me a copy of any bills, billing itemizations or contract information concerning the debt they claim I owe. 

Account Resolution Services has refused to provide me with proof that it has any authority to collect for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid Carrington Mortgage Services {$300.00} on XX/XX/XXXX as a principal only payment and made my scheduled payment of {$340.00} on XX/XX/XXXX. 

They decided to apply the {$300.00} to my scheduled payment. When I made my regular payment on XX/XX/XXXX they put {$300.00} on my principal and put {$46.00} in a suspense account. Then they raised my scheduled payment from {$340.00} to {$390.00} for XX/XX/XXXX. 

I requested they correct this to the payments I wanted to make, but now when I phone in my last payment is XX/XX/XXXX. 

Please ask them to apply the payments as I did them online, {$300.00} principal payment on XX/XX/XXXX and my regular payment of {$340.00} on XX/XX/XXXX. 

Since they did not apply my payments the way I applied them I think another {$300.00} principal reduction at their expense should be applied effective XX/XX/XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: WY
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 got a bill from HCFS Healthcare Financial Services LLC, XXXX BILLING CENTER, XXXX , XXXX, OH XXXX The bill amount is {$38.00}. 
It says that the bill is for services provided to me at XXXX. It does n't say when what kind of services. The bill does n't show which location exactly the services was provided to me, it does n't mention any city name and neither does it spell right the name of the hospital correctly. It does n't say the date that service was provided to me. 
The bill looks fake because I always get bill directly to my Hospital account. I called billing service of my hospital, the billing services told me that I do n't owe them any bill at all and they always post bill at my hospital account billing summary. They do n't send third party to collect my hospital bill. 
When I verified with my hospital billing department, they told me that they do n't have any business with HCSF Healthcare Financial Services , LLC XXXX BILLING CENTER XXXX XXXX OH 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 2016-10-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD
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:
Unknown item listed on my credit file, I dispute and request validation and nothing happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have already placed a complaint re : Carrington Mortgage Services and the problem with our escrow account. 
I would like to add that we are still getting no where with them. They continuely have computer issues " my computer is down so I cant see your account '' " I have limited access to the system, maybe you could call tomorrow '' They also state that they have not received paperwork from us. And they most certainly have. I have sent proof to them ( as they requested ) that our escrow account is NOT in a deficit! 
In the meantime, we are falling behind because they are not accepting payments from us. 
We will never get help from them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage service company Loancare accepted my XXXX payment, but did not credit my account. Despite several phone calls they started sending certified mail threatening foreclosure. I made 3 payments in XXXX, but the notices continued. I have now logged over 30 hours on the phone with this company and provided my cancelled check image 7 times. They repeatedly promise to look into the issue or elevate the issue, but now its been 3 months and they still have my money with no credit to my account.

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 2015-10-06
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In XXXX, a withdrawal was debited from my checking account each month by a name unknown to me. The withdrawals were suspicious because the amount of money and the dates were different each month. After several months of this I called my bank to tell them I did n't recognize these charges. I was told that I would have to contact the payee in order to stop it because I was the XXXX that authorized it. I could n't find any contact information on the company and did n't know what to do. I eventually filed a dispute and had to close that account in order to stop the debits. During that year this fraudulent company had taken a total of {$630.00} from my account. The bank reimbursed me for XXXX of those debits as well a XXXX notices admitting that it was the banks error. They would only reimburse me {$110.00} of the {$630.00} that was taken. After opening the new checking account I began accruing Over Draft Fees. It became like clockwork each month XXXX day before my retirement check of a mere {$480.00} would be eaten up by these fees. During XXXX XXXX - XXXX XXXX, I was charged {$1600.00} for Overdraft and Insufficient Funds. Since then, I have gotten so far behind that it 's impossible for me to pay all of these fees and catch up. They have charged me at least another {$3000.00} in Overdraft fees since XXXX XXXX. I am attaching a letter that I had my attorney write to them and the documents with proof. 
It is because of their error which they admit to, that caused the charges in the first place. Please help me get my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16
Company: URS Holding, LLC
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more

Company response to consumer: Closed
Consumer complaint received 2021-09-20
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a notice of my personal PIN for an debit card account at Branch Banking & Trust Co., XXXX, NC XXXX. 

I have NEVER been to XXXX, NC nor do I have any business with that corporation. 

I have tried to contact them by phone, but nobody answers their phone. 

I just want them to destroy any and all records in my name.

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 2015-12-16
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Filled a complaint on XXXX/XXXX/2015 ( XXXX ) and have been trying to get a hold of my Personnel account Manager to find out status with No return Phone call on at least XXXX attempts ( unacceptable ). 
Today i checked the CFPB for a update and see a update was sent by Mail, which I did not get because they did not put my apartment number on my mailing address which they had at XXXX time but seemed to have miss placed that as well. It Should Be XXXX.Also My credit has been damaged by this and am requesting them to Repair this as well with no response at all. The problem they had was bigger than them saying insurance was not in place. that only came late in the conversations i did have with them and it was supplied to them. It does not explain why they said my payments were {$16000.00} per month and I was a month behind ( how do you explain that ). Requested at least 7 Times to talk to a supervisor or have one call me and that never happen. I can not even get my XXXX on the phone I know they record all theses conversation so there is a record of everything i am saying. I tried again this morning to contact my XXXX XXXX XXXX other agents are not allowed to handle your complaints and they are not available and no supervisor will ever call you back. Worst customer service set up i have ever experienced. I am requesting thru you to have my Apartment number of XXXX added to my address. Also to have credit agencies contacted and repair my credit.Maybe you can get them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: AFNI INC.
State: NY
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:
About three weeks ago I received a letter dated XX/XX/XXXX from AFNI debt collection. Demanding payment to XXXX. This debt had been settled through XXXX XXXX XX/XX/XXXX.So I call AFNI at XX/XX/XXXX on XX/XX/XXXX and spoke with XXXX. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. 

After XXXX settled this debt, XXXX XXXX XXXX XXXX XXXX Demanded payment on the same debt on XXXX. I brought the matter to your attention. And XXXX XXXX, XXXX investigated and apologized. Now here comes AFNI to collect on the same debt. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: AFNI INC.
State: CA
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:
My account was disconcted last year because i could n't work with the payment on XXXX 2015. 
The amount they are reporting is almost 5 times more that it originally was ... 

And will not pay something i do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Early Warning Services, LLC
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This is my second complaint against EWS. They continue to fail to provide me a copy of the negative information they are spreading about me. I filled out forms, requested my consumer file on multiple occasions. They refuse to respond. I demand a copy of my file.

Company response to consumer: Closed
Consumer complaint received 2016-12-16
Company: AFNI INC.
State: GA
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 have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: AFNI INC.
State: CA
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:
Over two years ago XXXX XXXX began sending a " past due '' bill for aroound {$50.00} to our address. ( We have had XXXX for over 5 years ). It was addressed to our son XXXX woho has lived in XXXX for over 17 years and has never lived at our aderess. 
We contacted XXXX and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is XXXX ', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, ( XXXX ) XXXX. The bill is now $ XXXXXXXXIn the process we have complained, our son has complained, and XXXX has admitted they are wrong but we are still being harassed. 
Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I initially filed a dispute in XXXX 2014 and subsequently in XXXX 2014. This company continues to defame my name. I sued them, however, there is a bankruptcy stay currently in place. I have been unable to keep a bank account open. The bankruptcy case # XXXX filed in XXXX District of Michigan was discharged today. You may call to verify at XXXX, however, this company continues to report that I owe money to the banks when that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: QC HOLDINGS INC
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on XX/XX/XXXX and XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was using XXXX services for a while. I recently moved overseas the past few months and have been renting at a location outside of the United States, though I still have mailing address in the United States. I use this information to fill out a tax form on XXXX with intention to use their service to file for taxes, however, due to inaccuracies information on XXXX tax, I decided best not to use their tax services to file my federal tax return this year, not that I am required to file my tax return since I am actually exempt according to the IRS. 

What happened next is very interesting, the foreign address which I use to fill out my tax return on XXXX which I did not file show up on my Transunion credit report on XXXX website, not only that, the information on that is incorrect as I am currently in XXXX, and the information show an address that is of neither XXXX or United States, I am trying to make a determination whether the incorrect information is from XXXX or Transunion furthermore, this is not the first time I have experienced incorrect information on my credit report on Transunion as well as XXXX site, combining with the fact XXXX estimation of my tax is incorrect, I have decided to no longer use XXXX services. I would like to know whether it is XXXX or Transunion that is inputting incorrect information on my credit report. 
This is not the first time Transunion has provided incorrect information on my credit report and I think there is something every wrong with this credit report agencies. Including manipulation of information, deliberating change information of customers. I believed this many incidents which include some I have reported in the past show potential extreme corruption in this organization.

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