BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: NCC Business Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the collection agency NCC, phone # XXXX, repeatedly call my number and asks to talk to someone that is not me? 
I informed them that I am not the person they are trying to contact and requested on several occasions to not call my number and, to remove my contact information from their files. 
I spoke to a supervisor, XXXX XXXX and informed him of their continued ignoring of my requests. They continue to call with being very verbally abusive with using threats & foul language. 
Now I have resorted to do the same behavior. 
They have called on the following dates & times ( cst ) XX/XX/2016, XXXX cst ; XX/XX/2016, XXXX ; XXXX, XXXX ; XX/XX/2016, 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 2016-11-08
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt in full over a week ago to Rash Curtis and they still continue to bombard my cell phone with calls from all over the U.S. They have not cleared the XXXX credit bureaus either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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: Personal information incorrect

Complaint:
Dear Experian, XX/XX/2020 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : 1. XXXX XXXX XXXX Please delete it 2. XXXX XXXX XXXX XXXX, FL XXXX Please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I mailed Equifax about a medical debt reporting to my consumer report. Equifax have failed to show on my consumer report that this alleged debt has been disputed. Equifax has also failed to provide me with the Name of the Creditor to whom is reporting this false information. I have asked Equifax to PLEASE PROVIDE THE CREDITOR NAME TO WHOM YOU ALLEGEDLY SAID I OWE. I WILL NEED YOU TO PROVIDE TO WHOM YOU TALKED TO, THE TIME AND DATE, AND PLEASE PROVIDE ME A COPY OF A RELEASE FORM GIVING EQUIFAX PERMISSION TO REPORT MEDICAL INFOMATION TO MY CONSUMER REPORT. Equifax is violating the HIPAA Laws and my right to privacy.This is a violation of my right pursuant to15 U.S. Code 1681i. This has cause a great hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account has already been settled with my doctor 's office. It was paid in full on XX/XX/2017 directly to my doctor 's office. As of XX/XX/2017, I was still listed with the collections agency, Capital Accounts, as owing a balance. When I called the office administrator at my doctor 's office to address the matter, she said she called Capital Accounts and told them I had settled my account but there was nothing else she could do to get it removed from my credit report. At this point, I 'm not sure what I 'm supposed to do, and now my credit score has dropped significantly because of this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Include dates : XX/XX/2020 Amounts : {$250.00} Actions that were taken by you or the company : I sent a letter of inquiry to prove that the debt owed by me but the company ( CONGRESS COLLECTION ) did not prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to Equifax Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: NCC Business Services, Inc.
State: PA
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 disputed the debt several times and NCC Business Services refuses to remove the error from my credit report. I am a XXXX that I can not complete because I am continually getting denied for student loans. I have never had a collection problem prior to this, and I would have payed the debt and took responsibility of the issue had it been my fault. 
Damages to carpet were caused by a flood during the appliance repair caused by the installer. Shortly after, mortar pointing left the entire apartment covered in dust, including the carpet. Other incidents also occurred, none of which were caused by the tenants. 

I have paid a lawyer to attempt to remove the collection because I have been falsely targeted, but the cost is almost as much as the debt itself. I am fighting this because not only am I not responsible for the damages, but now I must pay fees to fight these claims. I sent a letter to NCC Business Services explaining why the charges are not my responsibility, but they never responded or have done anything to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Northland Group Inc
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Northland Group Inc. repeatedly made phone calls that were annoying, abusive, or harassing to me or any person answering the phone as well as without telling me or any other persons who they were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: U.S. BANCORP
State: AZ
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:
On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under US Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting US Bank on more than one occasion they could not assist with resolving this matter.

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 2016-11-01
Company: MNE Services, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Lender asked me send a process fee for a {$5000.00} loan. 
I spent over {$800.00} for an emergency loan, they kept asking for more money from me. 
I tried calling and texting them back, but no answer or reply by text.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Associated Credit Services, Inc.
State: PA
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:
This person called stating that I owed more than amount on bill. Stating that it was a past due bill and they tried to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Approx. 10 yrs. ago, I filed for bankruptcy. During the bankruptcy proceedings I agreed to continue to making payments on a bank loan. I have faithfully made these payments in a timely manner. Recently applied for credit and was denied, because I did not have a " FICO SCORE ''. I contacted the bank and asked why they have n't been reporting my credit history to any of the national credit reporting agencies. Their reply was that they have been. I contacted Experian reporting agency and they claim that they are receiving no info from the bank. Both the bank and XXXX, just have me going in circles. Can you Please help me rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: RFNA, LP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Again I making another compaint against Republic Finanace regarding there reporting to the XXXX major credit bureaus. On XX/XX/2017 I was notified that My Republic Finance account was 30 days late for the month of XXXX. A payment was made via telephone on XX/XX/2017 which took approxiamtely three days to withdraw from my account. At that time my account would have only been XXXX days past due. My account payment is due on the XXXX day of the month which means that on XX/XX/2017 I would be considered XXXX days past due. I made a payment in XX/XX/2017 that took approximately that posted on XX/XX/2017 to bring my account current and if I was delinquent at the time it would have reflected on my credit report for the month of XX/XX/2017 as XXXX days past due but I was reported as being current. In previous conversations I was informed by the main office that they report account status at the end of the month, whch clearly states they are disregarding federal reporting rules and regulations when it comes to reporting account information to the FCRA 's. As of XX/XX/2017 my account is XXXX days past due and if I submit a payment before XX/XX/2017 then my account would remain still be in a current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my mortgage company for years pursuing a hardship modification. I originally had a foreclosure sale date for XXXX XXXX, 2015, however PNC Mortgage Co. filed a motion to cancel and reschedule this date since my financial situation changed and I was put into the modification review process. After the process, I was denied a modification, however there was input PNC used to determine my qualifications, that I strongly disagreed with. On XX/XX/2015 I had a conversation with the rep PNC chose to represent their company as my " point of contact '' and I explained that I was in dispute of a couple of values PNC was using to determine my eligibility and I could provide the evidence. I was told by the PNC representative that she would send me out a new application since I was challenging their input, plus I had an increase in income which would effect me positively in the evaluation. During this conversation I was also told that the foreclosure sale date had now been reset for XXXX XXXX. 
My complaint is that not only was the application never sent out denying me the opportunity to a fair evaluation, but according to my conversation with the bank last night, I did not qualify for recourse at that time since the bank had to have 38 days to review any new application ( i.e. the time from the rescheduling of the sale date, XXXX/XXXX/15 and the time of the actual sale date, XXXX/XXXX/15, which is 27 days, far short of the 38 days they require ). 
This is egregious to deny me a fair & accurate modification review and then to sell my home from under me, while using a highly inflated Fair Market Value which I am challenging and have the proof to back up my claim. 
When I kept going to my mail box everyday looking for my new application, to no avail, I even took it upon myself to use the forms from my previous application, updated them and included my dispute along with my evidence, and faxed a complete package to PNC which has been entered into their system. Thus PNC has my application, proof, and documentation, but they refuse to postpone the foreclosure sale which is in 5 days. I am only asking PNC to give me a fair and accurate evaluation and if they continue to refuse, I will go on a thorough and continuous campaign to expose their unfairness

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: National Principal Group, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Plaintiff XXXX XXXX, has been subject to unlawful telephone practices by your company in the form of ( unwarranted or unauthorized ) cellular telephone calls by use of an auto dialer or ( XXXX ) in relation to debt collection practices. 

Defendant National Principal Group , LLC ( NP GROUP ) debt collection company called my personal cellular telephone numerous times without my prior express written consent trying to attempt to collect and alleged debt as consumer XXXX XXXX does not have a contract or account with the Defendant ( NP GROUP ) has demonstrated willful or knowing noncompliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) by continuing to call Plaintiff XXXX XXXX private cellular phone numerous times before sending a prior express / written consent form which Plaintiff XXXX XXXX never authorized prior express / written consent to any of these unwarranted automatic telephone dialing systems, or ( ATDS ) cellular telephone calls with a total disregard of law and in violation of XXXX XXXX XXXX XXXX. 

Defendant ( s ) has demonstrated willful or knowing non-compliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) by calling Plaintiff XXXX XXXX wireless telephone number XXXX that has been placed on the National Do Not Call Registry ( DNC ) since XXXX XXXX, 2012, Plaintiff 's number, which is assigned to a cellular telephone service. A person whose number is on the Registry and has received more than one telephone solicitation within any twelve-month period by or on behalf of the same entity in violation of the TCPA can sue the violator and seek the same statutory damages available under XXXX XXXX XXXX ) - the greater of actual damages or {$500.00}, a figure that may be trebled {$1500.00} for willful or knowing violations. XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ). 

Plaintiff ( NP GROUP ) harassed Plaintiff XXXX XXXX by making numerous cellular telephone debt collection calls without reading the XXXX Miranda / Mini Miranda as required by law for debt collectors. ( NP Group ) engaged in false and misleading representations in their communication in connection with debt collection to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in the last month of my least and gave them notice within the 60 days required that I was moving. I have a video of my apartment on my last day showing the cleaning was completed. In the video it will show the condition of the apartment it needed the carpet cleaned and a few blinds replaced ( all normal wear and tear when you live in a home ) and a handle that came off but was left on the counter. I did not attempt to get my deposit so that it could be used to clean the carpets and replace the blinds plus put the handle back on. Other then that there was no damages and EVERYTHING was clean and ready for the next tenet. I have asked for proof from them of any damages or receipts from any services they preformed multiple times and a itemized account of charges and have not received nothing to support their claim. I do not know how they are saying I owe them {$4500.00} to me they are commenting fraud and trying to scam me out of money I do not owe. I will be happy to provide the video so that you can see for your self. I moved out on XX/XX/2019 my least was up on XX/XX/2019. This is a scam and fraud I have disputed this for over a year and gave them the opportunity to correct their mistake and they have not so now I need your help please. The video is to large to upload is there another way to get it to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an 18 month old manufactured housing mortgage with US Bank. At the end of XXXX they notified me of an escrow adjustment of {$2700.00} for taxes ( the first year and the next year ) to take effect XXXX/XXXX/15. This took my monthly payment from {$430.00} to {$750.00}! 
I promptly called the bank to alert them to a problem. I received the phone tree run around for 70 minutes. I explained to a Senior Banker XXXX that the amount was horribly inflated. My tax estimate last XXXX was {$880.00}. I also explained that the tax bill had n't yet been issued. She informed me that they got their information from my taxing authority and that I would n't see a bill and that the numbers were correct ( at best all incorrect or at worst lies ). 
A week later I received my tax bill and it was a few dollars less than the XXXX estimate. I sent a copy of the bill and relevant correspondence to the address the bank provided asking for a prompt adjustment. 
On XXXX XXXX I again called the bank. This time a chirpy Customer Service Rep informed me that there was a note on my account about a {$500.00} difference between " their estimate '' and the actual charges. She told me an investigation was underway and could take up to 90 days. She also informed me that I needed to pay the inflated amount until I was notified differently. She also added that I would receive any overpayment back in a " big fat check '' in XXXX. 
I 've continued to emphasize to the bank that they should not have made such a gross over estimate a week before the actual bill was to be received. I 've further stated that while I 'm sure the matter will ultimately be resolved it is difficult to pay the large, incorrect increase out of a retirement income!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I called XXXX at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to XXXX That makes it very misleading by XXXX to transfer me like that and by XXXX XXXX Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law

Company response to consumer: Closed
Consumer complaint received 2016-03-03
Company: CAINE & WEINER COMPANY, INC.
State: FL
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 worked for XXXX XXXX XXXX XXXX XXXX as a XXXX. Due bad business management, the XXXX branch practically despaired. 
First, the more experience employees leaved the company and after that, gradually many others toke the same decision, including my self. As a result, the company charged their looses to the personal that no longer continued working for them, and now are affecting our credit, in this case, my credit.

Company response to consumer: Closed with explanation