BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform thi

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgage is the loan servicer for my mortgage. On XXXX my mortgage payment was not automatically deducted from my bank account as it usually is so I was concerned something was wrong. I checked online and my account said my lon was paid off when clearly I did not pay it off. I contacted RoundPoint and they said that my loan was going to get sold to another bank XXXXXXXX XXXX XXXX but that the deal fell through so they would fix it. However, in the process I learned they had my address wrong ( this is my biggest complaint ). They incorrectly inputted my address using half of my old address and half of my new address. Today I learned that the sale did go through to another servicer. 

This caused me to not to be able to receive any notification from RoundPoint about my loan change and also recieve information from my new loan servicer about my new account. As a result I could have went into foreclosure due to this issue because no payments on my loan would have been made unless I actively pursued the issue. 

Its resolved now but my complaint is incredibly poor service from RoundPoint that if happened to another person may have resulted in an improper foreclosure or 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 explanation
Consumer complaint received 2016-03-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I 'm unable to make the large biweekly payments. I called Ace Cash while in good standing to negotiate lower payments in order to make sure the loan is being paid and to avoid default. 

I was told by the customer service representative that I would need to default on the loan in order to make payment arrangements and that my best bet would be to work with their collections department. 

They are setting borrowers up to fail by pushing them into default. I should not have to beg to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: HI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received emails from XXXX XXXX ( XXXXXXXXXXXX ) re : a debt owed. They state I owe money for a loan that fell delinquent. 

When I asked them to provide me documentation of my original loan, balance due, payment history and how they acquired my " bad debt '', they responded that my paperwork had been " seized ''. If I do not pay them now, my file will go to court and that is when I can view the documents. I asked why are the contacting me if my file has been " seized ''. They could not answer the question, only told me to pay today to clear the matter. 

I copied all emails. The collectors are a company I never directly dealt with. Their information is : XXXX XXXXACE Cash Services ( XXXX ) XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the night of XX/XX/2021 my credit cards were stolen. The thief immediately went out on a shopping spree using my stolen cards. However because the transactions all exceed my set alert amount of {$120.00}, received the attached emails stating that the transactions were declined. To ensure all the transactions would be denied, I replied to halt all transactions. Further I locked all my cards, call Chase Customer Service, and filed a police report with my local police department. 

At first there was no issue has Chase 's fraud department removed the charges and credited my account. Unfortunately a week later Chase returned the charges to my account without even notifying me. As a result I had to call Chase 's consumer service and fraud department again about the issue. I was then informed that Chase has a second fraud department called the Chase Fraud Recovery Department. That I had to speak with that department to resolve the issue, however unlike the other two departments they only operate during limited hours. Regardless I called the Chase Fraud Recovery Department and provided them all the information they request to include police report number. I am told they would investigate the matter and it should be resolve soon. 

A month later now in XXXX, I noticed no progress had been made their investigation, so I called them for a second time. The agent acknowledges no progress had been made but promises they would do better on providing me updates and ensures me that I will received an update within the month. At this point faith in Chase is extinct so I closed all my accounts with Chase to include my over 10-year-old checking and savings account. 

Again a month later, XX/XX/XXXX, I call the Fraud Recovery Department angry that I have received no news for the department. The agent says that they attempt to contact me however they did not even leave a voicemail if they did. Further the agent states they mailed me a letter to update me however, I received no such letter and if they actually wanted to reach me an email would make logical sense. 

At this point the fraudulent charges have been on my account for so long that Chase has begun to place interest charges on the account. When I point this out to an agent on the attached transcript, she fails even brother to read my message. I have to message again stating the issue for another agent to inform me to contact the same Fraud Recovery Department. 

Now, on XX/XX/XXXX I have received my first update letter, attached, from Chase Fraud Department stating I am responsible for the fraudulent charges. Despite the attached proof showing the charges were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried using XXXX to get my free credit report from each agency. It only worked for one. Both XXXX  and Experian refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.

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 2016-04-18
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I used my Paypal account to buy an item from XXXX. The product did not show up until 6 weeks later and was faulty. I went to Paypal seeking a refund from the Vendor and was denied because it was over thirty days in billing. I 'm out of {$12.00} and most likely so are thousands of other people.

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 2022-11-17
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ; Americollect in the amount of XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please provide me with the contract with my WET INK signature stating that I am legally bound to pay YOU. Please do not send me an alleged bill/statement from another company for this is considered identity theft you have recieved my information without unknowingly to me without MY knowledege or approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CrossCountry Mortgage LLC
State: MA
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:
Payment history should not have any payments showing late which was not late .Deferred payments should not be affecting my scores. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: National Account Services Group, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company.

The company name is National services group. Phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-08-31
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: Account information incorrect

Complaint:
All three credit bureaus are reporting different credit reports for account # XXXX. The reports are erroneous and I disputed this alleged information to each credit bureau and nothing has changed.

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 2016-02-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
WELLS FARGO : My husband and I just sent letters requesting reduced monthly payments based on our income, and provided financial documentation to prove that we are struggling to make the payments. This is the second attempt that we made to work with Wells Fargo to reduce our monthly payments. Both times, their response was that the combined income of our co-signers and our own income is too high to reduce our payments. My mother, one of our co-signers, has already been paying portions of our loans to Wells Fargo, and this is documented in our file. All of our co-signers are retired, and on fixed monthly incomes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Continental Services Group, Inc. d/b/a ConServe
State: IA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Contacts me at work after i told them it is not acceptable and that my job was now in jeopardy because of their calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Ace cash express let me pay my loan. Then after. The loan was paid off the cashier stated we are closing so we are not going to renew any loans. They were supposed to close XXXX but they are still doing business. They left me broke and almost homeless because that was my way to make ends meet in between paychecks. That was n't right and they have done a few people like that. That 's not good business. Something needs to be done. Then after we paid the cashier stated we will get the money from we ever do n't pay. We will debit people account for the money that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: Navient Solutions, LLC.
State: MO
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:
I attended XXXX XXXX XXXX in XXXX, MO from XXXX. I received an XXXX. I am now in student loan debt, including Parent Plus Loans, around {$75000.00}. The loan document presentation was completely rushed-it was not explained to me at the time of the student loan applications what exactly I was signing, and when asked for further information, I was told that they could possibly refund most if not all of the loan amount that was being taken out. It was also explained to me at one point when the amount was much higher than before that my previous semester 's tuition was combined with the upcoming semester, which is why the loan amount was so high. I felt rushed, but I was very young and inexperienced. My father also does not remember having the Parent Plus loans explained, and he is a very detail-oriented person. He did not remember signing for the loan, and has since requested copies of the loan documents to be sure that he actually signed for them. I requested time with financial advisors several times during my tenure, and was told that the loan amounts were not very high, and they 'd actually discounted this class or that, etc. Usually blaming it on books, which were included in my loans but cost was astronomical. I was not allowed to choose to go without the books, even though we never used or referenced them. It was all rolled into my tuition and subsequent loans. 

I 'm now a parent and have a relatively good job for someone with an XXXX, but I have a lifelong illness that sometimes prevents me from working, and so receiving sustainable income. I have Navient threatening to sue me and begin garnishing my wages if I do n't settle with them immediately, and XXXX is {$30000.00} worth of loans that are on forbearance and just gaining interest. My parents are paying the Parent Plus loans so it does n't affect their credit rating, and my wife is looking for a XXXX job to try and get a handle on this. We are drowning in this debt, and I 'm not sure how I will ever dig us out of this hole. My wife and I make decent money, and should be looking at houses and schools for our son, but instead we are living in my parent 's basement, paying them rent, and simply making it paycheck to paycheck to try and keep Navient from garnishing my wages. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Navient Solutions, LLC.
State: RI
Product: Payday loan
Issue: Can't contact lender

Complaint:
I continue to get calls 2-3 times a week from : municipal services Bureau the number they call from is different from the number they request a call back. The names change on every call. I have called them back and they want my personal info to confirm payday loan ( that I did not apply or receive ) I spoken to one person months ago and advised them not my debt, as well as according to RI Banking Division the company, name changes all the time, is not licensed in RI and there fore illegal. they have threaten to take me to court, garnish my pay and use vulgar language then call 6-7 times the same day. I no longer return calls or speak with them. I have been a victim of identity theft and fraud and am still in the process of disputing credit report and contacting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Consolidated Recovery Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2022 - Received letter to collect Debt of {$41000.00} from Consolidated Recovery Group , LLC ( Letter attached below ) XX/XX/2022 - Called and spoke to XXXX XXXX XXXX who supposedly the Debt was being collected for. They confirmed that no Debt was owed and account is in good standing and this is more likely to be a Fraudulent Letter. 

XX/XX/2022 - Called and spoke to a XXXX XXXX XXXX ( XXXX ) at Consolidated Recovery Group , LLC and requested that they provide the " Assignment of Debt '' contract for us to review. She had no such contract and simply said that they ( this company ) works for XXXX and that payment was owed and she had my last four digits of my Social Security Number. 

After reviewing this company on XXXX ; it seems that they are fraudulent sending collection notices to folks like me. They are commiting fraud as no such debt is owed. She mentioned that this was some sort of Charge-back that XXXX did and that we had received this payment of {$41000.00} and we never paid XXXX back XXXX That is not true at all. We do not have charges of over {$500.00} at most and there are no issues with charge-backs. This company is just commuting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX loans with Bank of America. They were originally VA loans via Countrywide. BOA handles the servicing of the loans. Shortly after taking over the loan from CW, BOA began adding escrow reserve to my escrow account. My loan does not require me to use escrow servicing, it 's voluntary. Upon adding escrow reserve, BOA raised my minimum pmt. While paying the correct amount, BOA began to claim my payment was short of full. This lead to payments being considered late, late fees, etc. 

Additionally, BOA 's escrow servicing has repeatedly paid insurance to XXXX incorrectly. Payment from XXXX property made to a wrong XXXX. This lead to overpayment to XXXX and a refund to me ; meanwhile leaving the unpaid insurance account short ( as it was never properly paid ). This lead to a repeat of all said above in late fees, etc. 

Most recently, they began foreclosure proceedings on one of my rental properties. This despite having record of sufficient payment made each and every month. The first trustee called off the sale and sent the file back to BOA after I provided them my records. Now a new trustee has been appointed and they 've postponed the sale to review my information. I 'm quite tired of this continual process. 

I have a file XXXX '' thick of letters sent to BOA with minimal response and never any serious attempt at resolution. In my paperwork sent to BOA is included a spread sheet displaying all loans, payments for each year with taxes and insurance and my payments. It quite clearly shows that I 've paid more than was required. Despite this, they have each loan in error and it 's a complete mess. 

This is not the first occasion. In 2009, BOA admitted wrongdoing of all the above and corrected my accounting and all was set current. However, shortly thereafter the whole process began again. 

I 'm not sure if it is a predatory business practice or not, but I 'm sure I 'm not the only one experiencing this. My credit has been ruined and I 've been unable to close on transactions and lost hundreds of thousands of dollars. 

I 've pleaded with BOA to have someone at high level work through the file and find resolution. No success.

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 monetary relief