BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: TRANSWORLD SYSTEMS INC
State: AL
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:
My family and I had been going to a dentist for several years, always paying the balance of what our insurance did n't. On our last visit, our child had a XXXX put in. I live almost an hour away and was told that it was really precautionary measure to avoid XXXX and she would not charge because of it being so small. Well, it came out 2 weeks later, and also this dentist had been constantly XXXX which caused me to XXXX and cause XXXX. Finally, I became accustomed to it. I decided to find another dentist for our family because the XXXX would come out after a year and she would recharge us to fix them. The new dentist office called our old dentist to get our records and they were told that they did n't know us. Finally, they sent them. I started getting text bills and ugly phone calls saying we owed {$130.00}, at this time, we had n't received a paper bill, just text messages started coming, and are being harassed by collection agency They are stating that we owe {$130.00} XXXX on XXXX/XXXX/XXXX. The phone calls are coming after XXXX. I wrote a check for {$27.00} for XXXX that day which I was told was all I owed. Now I see we were charged XXXX. The collection agency said tonight that we owe XXXX. 

I took my dentist bills out and when I look at our insurance acct, it states I should only owe {$61.00} and it was filed so much later than the cleaning and it all happened on the same day yet no bill. I did n't know what to do and I did not want to pay the {$130.00} because two weeks later, filling had come out. I notified our insurance company and they stated they had received a bill for this filling in the amount of {$170.00}. They paid {$47.00} and our dental plan gave us a {$66.00} discount for being in network. We did owe {$61.00} since she decided to charge for this XXXX work which she did n't let me know about until she turned me over to collection. Insurance paid on XXXX/XXXX/XXXX and they cashed XXXX/XXXX/XXXX, remember this all took place on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I took a check to this dentist. She said she would stop the calls, well today is XXXX/XXXX/XXXX, husband still getting calls on his job. Bill is paid. What do I do? 

All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TekCollect Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was calling back, she answered, and she rudely hung up on me. I called again and she answered, we are talking normally. Nobody should not rudely hang up on someone who is debt. it is not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been out of school and paying down my debt for a couple of years. I decided to switch how my payments were applied and paid off a vehicle that was very close to being paid off. 

On XX/XX/XXXX I looked at my student loans, and because of what my XXXX XXXX XXXX XXXX  billing statement said at the time I decided to adjust what I was paying. My statement said that I was paid ahead by {$4300.00} and my next required payment was not due for 14 months. 

So I changed my payments, while continuing to pay {$100.00} per month to continue my paid ahead status. When I was completed paying off my vehicle, on XX/XX/XXXX my balance had not changed so I didn't think anything of it. My statement said that I was still paid ahead by nearly {$600.00} and I didn't have to make a payment until XX/XX/XXXX. 

So I started back up making payment well above my required amount to further reduce this debt. But after a few months of making these payments, not a single dollar was reducing the debt. They were applying to accrued interest and nothing off the principle. But 4 month later on my XX/XX/XXXX billing statement ( while they were not applying any to principle ) I was paid ahead at {$1000.00} and didn't owe a payment until XX/XX/XXXX. 

Not only did they not disclose the payment were being charged to accrued interest, they did not give me updated statement balances, and they held my money that I had paid and didn't apply it correctly. 

This company is acting fraudulently and in bad faith to not only me but I would venture to guess Thousands of consumers who are using them for their student loans. If they are telling me I am paid ahead, that money should have been used to cover any accrued interest, and or been applied to straight principle. If they are saying I do not owe a payment, how is it that I can still be charged interest? 

I have reached out to Great Lakes and was treated very rudely by both the customer service agent as well as her supervisor. I submitted a XXXX XXXX XXXX complaint and got a canned response, not even answering my questions or concerns. 

I demand action be taken to fix this issue because the American consumers are being gutted by this company who is not handling payments in the correct way and not being truthful in the amounts of debt owed. They " hide '' the true balance which gives consumers a false narrative of their account. This is extreme bad faith and needs to be corrected. 

I would like my account reviewed and any fees credited back to my debt. I have recently gotten so sick of dealing with this company I am refinancing with another company to get away from these unfair and deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I submitted a complaint on XX/XX/XXXX to remove the fraudulent information : XXXX XXXX XXXX  XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX  XXXX  XXXX Balance Owed : {$950.00} ; XXXX  XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX  XXXX Balance Owed : {$950.00} and inquiries XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included these fraudulent items in my previous Complaint # 's XXXX, XXXX, and XXXX and I am including them again on my Complaint. I am a victim of Identity theft and I have reported the theft of my identity to the FTC and attached copies of the FTC 's Identity Theft Report. Again, these items were opened without my knowledge or consent. Pursuant of the FCRA section 605b, the Credit Bureaus are required to delete these items as soon as possible.

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 2022-05-25
Company: Spring Oaks Capital, LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't own XXXX XXXX  and I don't own Spring Oak credit anything and as as of result of them the gathering information from XXXX XXXX they have violated my rights of privacy by reporting information to the credit bureaus! My account # ( XXXX ) I want these unlawful gatherings removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made XXXX mortgage payment electronically from my XXXX XXXX account to Homebridge financial on XX/XX/XXXX and XX/XX/XXXX. The mortgage company only credited my account for 1 payment. I have been followed up on this matter a few days but the company kept giving me a runaround and neither credit my account nor refund my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-30
Company: Aargon Agency, Inc.
State: CO
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:
I use to have a XXXX XXXX XXXX bills since XX/XX/XXXX to XX/XX/XXXX, and I had problems paying the XXXX dollar bill owed to XXXX. Since XX/XX/XXXX to current I have used XXXX assistance to pay the remainder balance under a different account holder with me associated with the account, and all the payments from XXXX, XXXX, and my own money since XX/XX/XXXX all the way till XX/XX/XXXX the bills was paid. My home is a protected address with my son, and I had to put a temporary injunction with XXXX XXXX Colorado, and that is XXXX County with XXXX district courts to maintain my residence without losing my electricity, but the one account where I was alone that I paid for faithfully for 7 years since XX/XX/XXXX to XX/XX/XXXX, that XXXX dollar debt was absolved or should have. I wrote complaint letters to XXXX, and they send the bill to other collection agencies where this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2015 I received notification from my mortage compnay that my note was sold. I recieved information on new servicing company and promptly updated my " billpay info '' at my bank. Set up payment for XXXX to be recvd by mortgage svcr on XXXX, due date XXXX. 
-On XXXX, I received correspondence from new mortgage servicing company indicating my original note required EFT payments. I called the servicer to confirm the information. At that time the representative did NOT mention I was " Past Due ''. 
- On XXXX, I called servicer with questions with their form, the representative was NOT able to answer my question. ( What my monthly payment is ). Did NOT mention I was " PAST DUE ''. 

For 1 week hence, every day I received calls from BSI, " attempting to collect a debt ''. 

- On XXXX XXXX, I received correspondence again, this time stating I was " PAST DUE '' for my XXXX payment. I confirmed with my bank the bill pay was sent on the XXXX for XXXX receipt. I contacted BSI to inquire where the disconnect was, the representative confirmed receipt of payment on XXXX. 
- On XXXX, XXXX I received a telephone call that I was able to take as I was off from work that day, from BSI, wanting to know how I would like to pay my past due bill. I escalated the call and recounted my story to XXXX, Supervisor- advised she and BSI need to revamp their training and make sure they are not calling to harass customers who have paid their bills. 
- On XXXX, AGAIN received correspondence from BSI, dated. XXXX, stating my " PAST DUE '' amount. PAID on EARLY on XXXX. 

This HARASSING communication from a company that I did NOT chose to do business with, is completely and totally OUT OF BOUNDS and illegal! I want BSI sanctioned for this behavior, from not XXXX, XXXX or even XXXX employees ... this seems to be a pattern with this company. 

PLEASE MAKE THEM STOP!, If they are doing this to me, I can imagine they are doing this to unsuspecting individuals out there in the population.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Amazon Store Card Statements are Deceptive. Phone Agents refused to explain my statements and hung up on me on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I have overpaid by {$23.00}. See details, below : Purchases in $ : XXXX XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX, XXXX. Total Purchases of {$460.00}. 
2015 Payments and credits in $ : XXXX, XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX ; XXXX XXXX. Total payments {$490.00}. Over Payment of {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaints : 1. Error in Credit Bureau Reporting of Late Payments 2. Fraudulent charges to account for untrue late payments 3. When BSI received account from XXXX the amount for misc. charges past on was a. In XXXX and XXXX with XXXX XXXX this fee was non-existent. 
b. In XXXX XXXX labeled it Corporate Advance - {$1700.00} c. In XXXX XXXX labeled it Other Amounts Due - {$1700.00} d. In XXXX and XXXX XXXX labeled it Expenses PD by Server - {$1700.00} e. In XXXX BSI labeled Other Fees Due - {$1700.00} f. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$1700.00} ii. XXXX {$1900.00} g. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$170.00} ii. XXXX {$1.00}, XXXX iii. XXXX. {$2000.00} iv. XXXX. {$2000.00} v. XXXX {$2000.00} vi. XXXX. {$2000.00} vii. XXXX {$2100.00} XXXX XXXX, XXXX Action taken : 1. Called BSI Customer Service at about XXXX and spoke to XXXX who informed me that I did not make a payment in XXXX XXXX and all subsequent payment were applied starting with XXXX XXXX leaving a month behind. 
2. I assure her that I had never missed a payment. 
3. I check bank statements and found canceled checks for the months in question. 
4. Called BSI Customer Service at about XXXX XXXX and spoke to XXXX. I informed her about the error BSI had made and would fax copies of my canceled checks. She gave me the fax number and suggested I sent it to the attention of XXXX. 
5. At XXXX XXXX I faxed copies of canceled checked and bank statements showing the payments in question have been made and cleared the bank. 
6. Month in question : XXXX, XXXX a. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX b. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX c. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have n't had any success in talking to this company. They 've got negative accounts that has been in my maiden name since XX/XX/XXXX!!!!! The XXXX account was opened in XX/XX/XXXX. I never applied for these previous accounts or gave anybody permission to do so either!!!!!

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 2022-05-25
Company: SANDY SPRING BANCORP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Sandy Spring Bank froze my account with no notification. After wasting cumulative hours and multiple phone calks they are refusing to unfreeze or close the account unless I drive to a branch, the closest of which is an hour away

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I have repeated asked the credit report agencies- Experian, XXXX, and XXXX - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!

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 2018-03-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became delinquent on my mortgage when my father became XXXX XXXX. I had to assist with his medicines and care. 
I request a mortgage modification several times from my mortgage company to keep my home. Rushmore has refused to assist me with saving my home. Spoke with XXXX today Ext XXXX, Rushmore customer service and he stated the loan modification was denied because they didn't see sufficient funds for the down payment and the file was denied. XXXX  was unwilling to assist with help. I have not received any documentation from Rushmore in regards to the modification nor have they requested any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To whom it may concern I bank with Vystar Credit Union in XXXX, Florida. Vystar told the members almost 2 weeks ago that the online banking would be down for the weekend. I have not been able to get into my account in almost 2 weeks. There is no end in sight and no one can tell me when I will be able to get into my account. I am unable to pay bills or see my balance. ATMs were down all weekend and the customers are getting upset. This is unacceptable and should have been rectified weeks ago. The CEO continuously tells us to be patient but it is not their money they can not access or bills unable to pay.

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 2015-08-09
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have a robo dialer calling the number. I have not received anything in writing saying I owe a debt and to my knowledge I do not. The robo dialer simply plays a recording telling me to call them. These calls have occurred when I am not able to do so in order to get this resolved. For example, they called today ( Sunday ) and told me to call during business hours. The business hours provided did not include Sunday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My ... ..name is Mr. XXXX ... ..my Complaint ... ..is I am giving ... ..100 percent Exempt from paying property Tax ... ... because of my ... ..age!! The city of XXXX ... .of Virginia ... ..have allow Senior citizen like myself ... .become Tax Exempt Here within ... ..this City!! And I have ... .sent in 3-4 letters of this request and this ... ..Mortgage Company ... ..have not answer ... ..any those letters ... .have been Submitted ... ... and it have ... ..been little over a year now ... ..and they have not ... ..made any attempt ... .to answer those Tax-Exemption of ... .my properly. I even Contact ... .Social Service Department here ... .at City Hall ... and they have confirmed ... .I am one Hundred Exempt of ... .my properly Tax : My Mortgage ... ..should beless then what I am ... ..paying them ... ..!!

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