BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: Source Receivables Management LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I moved out of an apartment but the gas bill was not transferred correctly to the new tenant. As I had moved out of state, I received no bill for the months that the service was being billed incorrectly to me. I had no idea that the mistake had occurred for over a year, when I received a call from Source Receivables credit agency notifying me that they were attempting to collect a debt. I initially spoke with XXXX ( employee ID unknown ), who told me that if I paid in full that day the issue would not impact my credit, but that if I chose to wait and dispute the claim with the gas company it might negatively impact my credit. I chose to pay the claim in full to avoid potential consequences to my credit. I left the call feeling as though this was a positive encounter. 

A few months later, I came to learn that the claim was still showing up on my credit report despite my having paid it in full, and that it was negatively impacting my middle credit score. This was surprising to me, as I had been told by Source Receivables staff that the claim would have no impact on my credit if paid in full that day. At the urging of a financial adviser, I called company and asked them to remove the record as the account had been paid in full. The original person I spoke with, XXXX, transferred me to her supervisor, XXXX ( Employee ID # XXXX ). XXXX was extremely rude and aggressive on the phone and told me that he would not remove the claim under any circumstances. When I asked for more information about what would be needed to have this record removed, he would not provide me with more information. When I asked to speak with his supervisor, XXXX refused. When I inquired about the company 's grievance process, XXXX refused to provide information about this process. 

I feel as though was lied to by Source Receivables staff about how this information would impact my credit, and then was denied access to critical information about how to file a grievance against lying, rude, and aggressive employees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: Midwest Recovery Systems
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX XXXX. I was XXXX aware of the CFPB and DOJ 's Resolution effective XXXX/XXXX/XXXX. As a XXXX women who have purchased XXXX vehicles from XXXX since XX/XX/XXXX, I am concerned that I may have been affected the discriminination. I contact Toyota Financial Services today, and was directed to their Fair Lending Website instead of giving me information about the discriminatory pricing policies. I 've been paying $ XXXX-XXXX amount in car notes since XX/XX/XXXX, and would like for someone to assist me to make sure that I was not directly affected by this discrimination practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Pinnacle Credit Services, LLC
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 was paid

Complaint:
Debt was already to XXXX and account was satisfied by company paid XXXX has bought old credit report from third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: BlueChip Financial
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.

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 2016-11-07
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection was reported to my credit file on XXXX XXXX. This is not my account and I do not have knowledge of such account. I called the numbr listed and its a fraudulent number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
penny Mac loan services where I have my mortgage place on my credit that I missed five payments -which is NOT TRUE! I WAS ALWAYS CURRENT - I had a hardship my wife had a back operation and I am XXXX living on XXXX XXXX filed for a Modification with them and they gave me XXXX which drop my payment from {$1100.00} to {$1000.00} which did help me a little. Then they placed placed this on my credit missing all them payments which is a LIE! I was always current just needed some help and still current on my payments, I talked to them and they refuse to take this off my credit, this is unjust - I was never told that this would happen if I was told I would have never had a modification in the first place. Please help -I 'm a XXXX XXXX going through a hardship this will help my credit if this was taken off -I believe it is a crime for what there doing to me - Thanks for helping - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am working on a short sale with Penny Mac. The loan is a VA Loan. A VA Appraisal was conducted and resulted in a appraisled value of {$300000.00}. 
Penny Mac decided that the value " appeared '' to low and ordered a BPO. This BPO apparently resulted in a value of {$320000.00}. 
My concern is that Penny Mac is not following VA Compromise Sale ( short sale ) rules. 
How can Penny Mac deviate from the government rules of a VA guaranteed loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I paid off my XXXX Student Loan over two years ago. I am now being denied credit because the servicer ACS is reporting that I am XXXX-days late in making a payment. I have tried numerous times to reach out to ACS to fix the problem but I can not get a hold of an actual person and now the company has been sold to XXXX and I have no clue as to who to write or call to get this fix. My end result is to get this negative information removed from all XXXX of the Credit Reporting Agencies as it is FALSE/INCORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} XXXX US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-08-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 at XXXX, I contacted Owen Loan Servicing in reference to my account. I spoke with XXXX XXXX XXXX and asked about some documents that were being requested ( Form XXXX ). The complete package has been faxed over twice and the form XXXX was faxed along with the package. It is very difficult to get assistance when calling to the company because not one understands or speak English well. Ocwen continue to ask for the same documents repeatedly although the package has been sent twice.

Company response to consumer: Closed
Consumer complaint received 2016-12-02
Company: Capital Management Services, LP
State: NM
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 get daily calls from Capital Management Services looking for a person I do not know about a debt. I have told the callers on at least three occasions that they have a wrong number and that I want my number taken off their call lists. I put a three month block on their number but now that the block was lifted the calls have begun again. I plan to return a call to XXXX XXXX XXXX XXXX to ask again to be taken off their call list and to let them know that I have filed a complaint with the CFPB.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Sheffield Financial is reporting incorrect dates on my credit report thereby extending the 7 year reporting period. On my XXXX report ( enclosed as attachment ) they are reporting the date of delinquency as XX/XX/XXXX. On my XXXX report ( enclosed as attachment ) " No Data '' for XXXX, XXXX, and XX/XX/XXXX was reported. This account went 30 days past due in XX/XX/XXXX. I made a few partial payments after XXXX but the account continued to remain in arrears. In XX/XX/XXXX, I consulted an attorney if reference to this account ( attachment enclosed ) at which time the account was more than six months delinquent. I request Sheffield Financial substantiate payments received during all periods they are reporting during XX/XX/XXXX. If they are unable to do so, since the account became 30 days past due more than seven years ago, they need to delete any and all negative information reported to all credit agencies associated with this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company that is now servicing our loan:1 ) modified our interest rate early : we had a modification that was suppose to run through XX/XX/XXXX payment, they modified our interest rate early, XXXX 's payment, and screwed up our payment amount. 
2 ) They paid our property taxes : We have never had an escrow account with this loan, we have always paid the taxes ourselves. They did not inform us that they were going to do pay our taxes or even ask if we were going to pay them, they just went and paid them. Then a month after that they added the amount they had paid to our loan balance, which they can not do. 
3 ) They have started adding mysterious charges : They have never informed us as to what these " Fees '' are for, they simply added them to the bill. 
4 ) Now they are trying to add an escrow account, even though it clearing states in our loan that there is to be NO escrow account and that we will be paying both the taxes and the insurance. Which we have done for the past XXXX years without fail. 
5 ) we asked for a loan modification in XX/XX/XXXX, we have not heard back from them, other then to send us endless form letters that say nothing. When I call I am told that I can not speak to that department because they do n't have a customer service line, when I ask if they can have them call I am told that all the person I am talking to can do is send a message to the other department and ask them to contact me. When I pointed out that they have never called me back from any of the XXXX phone calls I have made they tell me sorry, all they can do is send a message, even when I ask to speak to a supervisor I am told that all the supervisor can do is send a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I received a copy of my 2017 credit file which is reflecting numerous deficiencies, I have attempted on numerous occasions to resolved these issues with the credit bureau and the creditors. I have asked for supporting documentation '' Proof of late payments '' ; verses hearsay of electric validation from the credit bureau and creditor. I am requesting a re-investigation of the following items listed below ; in additional to removed. These inaccurate data is affecting my credit history and score.

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: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had numerous issues with Select Portfolio Servicing for years. They constantly take my overages that I send in with my payment and apply it elsewhere except the " Unapplied funds account '' which is where I want it to go. 2x a year I have to call them constantly and correct them. Sometimes they do it and most time they put it to other charges and fees WITH ABSOLUTELY NO DISCLOSURE TO ME AT ALL. I call them, they say they will take care of it by a said date. The date comes, and nothing is done. I ask for a supervisor and NO SUPERVISIOR IS AVAILABLE AT ALL EVER. They always want to call me back within 48 hrs. Sometimes they do and sometimes they do not, when they do not I have to start the process all over again with another supposed 48 hours. I recently talked to a XXXX ( supervisor ) on XXXX/XXXX/XXXX and she assured me it would be taken care of and she would call me back to confirm. Now it is XXXX/XXXX/XXXX and still nothing, I have received a few mtg statements since and nothing has been adjusted. This is my funds to be distributed and they distribute how they want with ABSOLUTELY NO DISCLOSURE OF FUNDS AT ALL!!! This is a clear violation of consumer mortgage laws. When I do talk to them, some say " We have a hiearchy to which we put your funds ... ..? " and some say they attend to my requests and they hang up the phone and never pursue my requests to where I have to constantly call them again and again. I have had other issues with this company a few years back asking them to confirm my previous mortgage servicing sales because I was concerned that the 2 prior servicers where sued for fraudulent mortgage practices by the US Government. Same thing back then .... no response and no answers .... and I send them registered letters back then. ... ... It is ridiculous. When it is the XXXX or XXXX of the month they are calling me for my payment .... which I am completely current on with no late payments, but when I call them with concerns ... it goes directly to the trash. Sometimes they call me back and sometimes they do not and I have to start the whole process over again and again. They also keep me in this collection status because I modified with a previous servicer. They constanty treat me like I am 150 days down in my mortgage when I am completely current every ... ... single ... .. month. I am not in collection status but they constantly refer to me as a " problem '' which is very discriminatory. Just because I am XXXX does not mean that they should treat me differently. 

Please help with this ridiculous racist, no disclosure company. 

Sincerely XXXX 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 2017-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed bankruptcy that was discharged in XX/XX/XXXX. I am behind on my mortgage, and trying to catch up with payments. I called them on XX/XX/XXXX to make a phone payment, and was told that the mortgage was referred to a lawyer for foreclosure. According to customer service, it was referred on XX/XX/XXXX. Almost a month later, and i have received nothing from them indicating it was referred to a lawyer for foreclosure. Since filing bankruptcy, I am not legally financially responsible to pay the mortgage. I called to make a payment because I am still living in the house. They would n't let me make a payment because of the lawyer referral. They said that they could only let me make a payment if it is for the entire amount due. I asked the man on the phone what that amount is. He said around {$13000.00}. He was n't sure of the amount. If I would n't have called them, I would not even know that the house is soon going into foreclosure. My complaint is that they did n't notify me that the referral was made. I would have called sooner to make a payment. When I called last week, I was going to make three payments. They wo n't let me. There is no way that I can make a {$13000.00} payment at one time. I am assuming that since they ca n't legally make me pay the mortgage, that is why I have n't gotten anything from any lawyers, or courts, but I still should have gotten notified by the mortgage company. They have also raised my mortgage payment to over {$1900.00} per month. They are trying to force me out of the house. I have lived here for XXXX, and am now divorced. I have no where else to go at this time, as my ex-husband ruined my credit, and due to issues with my marriage, I had to file bankruptcy. I guess I 'll have to live in my car. This mortgage company continues to claim to help people, but they have n't done anything for me. It is not fair if this house goes to sheriff sale, and I was n't even aware of what was happening. Contrary to what they will say, I DID NOT receive any letter from them about going into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation