BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-23
Company: PINNACLE RECOVERY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving multiple phone calls every week for the past few months for a different individual that I have told multiple representatives from the debt collection company that I am not the person that owes the debt and they have the wrong number.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Selene Finance LP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to lodge a complaint regarding Selene Finance, to whom my mortgage with XXXX XXXX XXXX was sold. My payment in XXXX XXXX was 'credited wrong ' and took three phone calls and a letter to resolve. In the interim, the missed payment was reported to the credit bureau, and still, after establishing that it was paid, shows up as 'unknown '. This month, I called in my payment four days before it was due, and today, a week later, nothing has been debited from my checking account nor posted to my account on their website. Upon calling them, my call from XXXX is recorded to make the XXXX payment, but 'does n't look like it was completed '. I asked if it were submitted again today if it would show up as being paid last week as requested on the first phone call, and was told that no, it would be credited with today 's date. 
Additionally, I have completed a Chapter XXXX, which was discharged in XXXX XXXX. The mortgage was paid outside of the bankruptcy and no payments since its inception in XXXX have ever been late. Selene will disclose no information to me because 'it 's handled by the bankruptcy department ' and needs to be requested by my lawyer. 
I now have no confidence whatsoever that payments made on time will be credited properly, and as the Chapter XXXX has been closed, I would have to re-engage the lawyer for communications regarding a mortgage that was never part of the bankruptcy to begin with. " Losing '' two payments in less than two years is ridiculous and I feel I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a judgement against me that was originally litigated by XXXX XXXX XXXX XXXX XXXX in 2011. The judgement on my credit report is for {$1200.00}. They are telling me I have over {$800.00} in court costs, and over {$200.00} in interest. The credit card was originally for {$750.00}. Even with 7 % interest, that would be the around {$1200.00}, not to mention if I had court costs that would have been awarded in the settlement amount to be paid. They are trying to charge me DOUBLE what my credit report states and the courts state that I owe. I feel this is a misrepresentation, and misleading practice and violation of FDCPA. There is no {$800.00} court cost, get real Cooling & Winter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written NUMEROUS LETTERS to alliance collections asking for validation of these debts they are claiming against me and all they have sent is a medical bill statement which by legal definition if NOT a legal validation of debt as anyone can make/manipulate that. They need to produce signed documentation with my signature showing that I signed for this debt. Second these are medical bills ( I am in no way stating or claiming these to be mine ) I have never signed and allowed for any of my medical information to be released. Alliance collection did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should these items not be deleted within 3 days of them receiving this complaint. I will seek every legal remedy available to me and file suit against alliance collections and the credit bureaus responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. I have sued and won small claims cases of {$10000.00} each against the credit bureaus once and will do the same for EACH collection account alliance collections has on my credit reports seeking a total of over {$250000.00} if they do not remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our mortgage payment. When we tried to catch up they refused payments saying we owed more and more. They put a foreclosure sale date as XXXX XXXX 2016. We learned they obtained our loan illegally thru a computer system. We also have tried to get a Loan Modification, which we have never had. All we get in response is that we have sent in the correct paystubs, or not the correct proof of residency. Then they stop trying for that loan modification, and I had to resend all the paperwork. Which I did and we are still being put off, it takes 5 days for them to be able to tell me if I have the correct documents or not. They are trying to push this out so we have no choice but to lose our home. I can not get a single point of contact within the company. No emails or phone calls are ever sent out, for anything other than one saying my statement is ready. We are at a total loss as what to do, we are now thinking a bankruptcy might be the only thing to save us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Somebody stole my banking information and tried to upload fake checks and my account closed due to fraud and it wasnt me Im unable to open my XXXX account because of this revolving issue

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 2016-12-28
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Mortgage with Loan Care which was paid on XXXX/XXXX/2016 using my on-line pay bill as it is every month and the company is charging me a late fee because the funds were n't received by the XXXX of the month. This is the second time Loan Care has stated they did n't get our payment on time. 1st time they stated that they saw our payment was made on time and they would " waive our late fees '' even though the payment was made on time. This time they stated that they could n't see the payment being made. I offered to give my the confirmation number of the payment which XXXX employee ID XXXX refused to take he stated that I need to my bank fax in prove of the payment so they could research the matter. At this point I requested to speak to a supervisor XXXX refused he stated that their was n't a supervisor available at this time and he would take my phone number and someone would contact me back with 48hours. This is the second me or my wife have requested to speak a supervisor and were refused. Loan Care is purposely posting my payments late so they can charge me late fee 's which are not valid. This is a prefect example of predatory mortgage servicing which is the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.

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 2016-04-07
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Your school falsely certified our eligibility to receive the loan based on our ability to benefit from its training, and we did not meet the ability to benefit student eligibility requirements. 

So basically saying, the degrees and classes were n't worth the time or money put into them. The degrees and classes are scoffed on by any employer we have inquired to, and many former students have reported this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan servicing company was changed to LoanCare and soon after we noticed an error on the new online site. While our payments seem accurate and the total amount owed seem accurate, the online site states the wrong Original Loan Amount. We want the Original Loan Amount on the website ( which is listed as {$44000.00} higher than our original loan ) corrected to the amount on our loan paperwork. We have emailed three times to have this issue corrected and our emails have been totally ignored. Each email was submitted through LoanCare 's secure email via their site login. When our emails were ignored, we began calling to have the issue corrected. We called on XXXX XXXX, 2016 and spoke to XXXX, ID # XXXX. She seemed to understand the problem and agree that it needed to be corrected. She said it would be handled and we would receive written confirmation of the change in the mail. When we did n't receive anything and the correction did n't happen 30 days later, we called again on XXXX XXXX, 2016. This time, we spoke to XXXX, ID # XXXX. She said we could not speak to a supervisor. She listened to the issue and said she would look into it, putting me on hold. A few minutes later, She hung up on me. When I called back, I reached the same person I spoke to on XXXX XXXX, XXXX, ID # XXXX. She said that she remembered me and that their paperwork said that the issue would be resolved on XXXX XXXX and we would be contacted with a resolution by phone. That date has come and gone and we have not heard anything. We have original loan documentation proving that their information is inaccurate and we want this corrected. My concern is that they will sell the loan to another company with this inaccurate information. Due to their unreasonable resistance to correct this error, we are beginning to suspect that they have no intention of fixing the error. We need a definitive response from the company so we can know what next steps to take to address the issue.

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 2021-03-15
Company: EQUIFAX, INC.
State: TX
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/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: URS Holding, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a dispute still under investigation with one of the credit bureaus. 

United Recovery Systems is the debt collecting company collecting on behalf of XXXX XXXX on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a United Recovery Rep on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in one lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
Fifth Third XXXX is reporting a duplicate account. This is forcing my credit score to be lowered for as they are illegal reporting the same account twice. I have disputed from credit report. I have contacted reporting agencies. This continues to report illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: Northstar Location Services, LLC
State: SD
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:
In XX/XX/XXXX I cosigned a XXXX XXXX student loan for my daughter XXXX XXXX ( now XXXX XXXX XXXX XXXX for XXXX {$35000.00}. On XX/XX/XXXX I filed a Chapter XXXX Bankruptcy which was discharged on XX/XX/XXXX ( File XXXX ). 

Immediately after the bankruptcy filing and continuing through this year, XXXX XXXX reported this loan to all XXXX credit bureaus as " discharged with bankruptcy ''. No collection efforts have ever been made on this loan and I, therefore, assumed that XXXX XXXX agreed with how it was reporting the loan 's status to the agencies. 

Despite often-made statements to the contrary, I am well aware that only Qualified Student Loans can survive a Chapter XXXX discharge and that this loan clearly did not meet this definition since it was for an amount more than XXXX times the cost of attending the school that my daughter was enrolled at. My daughter did not deceive anyone with respect to obtaining this loan ; she disclosed what school she was attending but no one ever questioned her as to the cost of attendance. The IRS is quite clear that " mixed use loans '' can not be considered qualified student loans and this loan was so large that it had to be known that it would be used for purposes other than tuition, books, etc. 

For the past five years I have assumed that XXXX XXXX recognized that this loan did not survive the bankruptcy and there have been no attempts to collect on it from me. That is none until today when I was called by Northstar Location Services, a representative of which informed me that they had been directed to collect on the loan. I asked about the five years of reporting it as discharged by bankruptcy and I was told that they had no knowledge of that. I tried to explain to the representative that it is improper, unfair and probably illegal to report that a loan was discharged and then to suddenly decide to collect on it. I essentially was told that they were acting at the direction of .XXXX/XXXXMy assumption is that XXXX, the " new XXXX XXXX '' has been reviewing its loan portfolio and has decided to try to squeeze more out of it. So they have sold the debt to a collection agency in the hope that they can get me to pay it. On the phone I was even offered a " deal '' whereby I could be removed from the loan for a payment of " only '' {$15000.00}! 

It is simply unconscionable to suddenly change the ground rules on a consumer after five years of taking a position that is diametrically opposite from the XXXX being taken today. This is the kind of underhanded operating procedure that makes consumers dislike dealing with any financial organizations. 

Despite all this I have received nothing in writing from XXXX XXXX or the collection agency. My contact at Northstar is a XXXX XXXX at XXXX XXXX. 

Anything you can do to assist me in this matter would be greatly appreciated

Company response to consumer: Closed
Consumer complaint received 2021-03-15
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX Bank has discontinued its credit card services. I hadn't used their card because of terrible customer service and their new points system. In XXXX they announced a new USBank credit rewards card. Upon acceptance, XXXX XXXX discontinued all credit services and passed their customer to USBank. I got my USBank card and immediately used it to pay my cell phone bill. I messaged XXXX XXXX to ask them to close the old XXXX account so 2 credit lines would not show on my credit report. I called USBank to make sure my credit was secured and their customer service assured me I had nothing to worry about. A day or two later, I tried using my USBank card at a retailer and the card was declined. XXXX XXXX asked USBank to close my credit despite the fact that was not what I asked. 
I called USBank and they could not explain why my account was deactivated despite the customer service notes showing I wished to use the USBank credit. USBank told me it would take 18 days to try to reactivate the account. I asked how I was supposed to know when I could use the card and they could not give an answer. Both XXXX XXXX and USBank have terrible customer service. All this transpired the last week in XXXX and first week inXX/XX/XXXX. I have an excellent credit rating so I fail to see why this would accur. I have no documentation from US Bank and only a closure letter from 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 monetary relief
Consumer complaint received 2016-07-18
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Specializes Loan Servicing is reporting that I am over 120 days late on payments to XXXX and XXXX. When i access Specialized Loan Services it shows all my payments through XXXX XXXX yet it keeps posting my next payment due is XXXX XXXX, XXXX. If I make a request in writing to SLS to provide backup documentation to support this error they suspend sending me a monthly statement with billing invoice. When i sent an email asking for XXXX XXXX and XXXX XXXX statements i was told they are not available since i sent in an inquiry about my account and they suspend sending out statements during an " Investigation ''. They have posted over {$3000.00} in late fees since XX/XX/XXXX yet when i print out my payoff request letter, these fees are not listed. I have repeatedly asked for a breakdown of these fees but no one is responsive and then i do n't get a monthly statement. I have noticed on other consumer websites that i am not alone in my frustration and confusion with dealing with Specialized loan Servicing. How many complaints about the same business practices need to be logged before action is taken to correct the practices of this unethical mortgage processing company?

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 2015-11-10
Company: Stanislaus Credit Control Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After multiple attempts to verify amount of debt with creditor, over the course of two weeks, creditor has failed to provide amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
nOTE IT IS IMPOSSIBLE TO REACH OUT TO ANY OF THESE CREDIT REPORTING GIANTS - PERIOD. nOTE ALL OF MY CREDITORS HAVE BEEN EITHER PAID IN FULL OR PAID AND THE REPORTING DOES not REFLECT THAT! once AGAIN WE ARE BEING FINANCIALLY HARMED BY INCORRECT REPORTING CAUSING SEVER FINANCIAL HARM AND YES HERE IN FLORIDA SEVERE elderly ABUSE!

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