BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Because of an extended period of unemployment ( without unemployment benefits ), I requested a Loan Modification in regard to my first mortgage on my residence of fifteen years. I responded with a complete application and documents as requested by Specialized Loan Servicing ( " SLS '' ). Subsequently, extended periods of time took place in which I would not get a response from SLS. Over a year ago, I was informed that they were missing just a few documents including an authorization to release my Federal Tax Return Transcript, pay stubs for my wife 's XXXX income and confirmation of my consulting agreement with a XXXX XXXX XXXX in XXXX California. Despite the fact that I had submitted these documents in prior submissions, I repeated the task by fax, XXXX and USPS methods. Once again, extended periods of time passed without hearing from SLS. Finally, I received a communication from SLS indicating that they were unable to evaluate the dozen or so programs available for Loan Modification or relief for homeowners who fell behind in their mortgage obligations. Following this startling event, I began copying my correspondence with SLS to local, State and Federal Agencies to raise the concern that I was not being given consideration in a good-faith manner. In a effort to respond without further challenging their system, I have resubmitted a complete application for consideration in response to their request. I have been repeatedly told that while my home was in foreclosure, there was no sale date set which implied to me that they would await the submission of the new application to evaluate these potential programs before proceeding with any further action. Much to my surprise, ten days ago, I received a notification that my home was being auctioned off at XXXX on XXXX XXXX, 2015 which is ten days from this date. You can imagine how startled we were to being told that 15 years of memories are going to be stripped from us -- -family birthday parites, graduation celebrations, the passing of our beloved dog, XXXX , the highs and lows any family goes through. In a wink of an eye, we can be homeless at age XXXX, without anywhere to turn in spite of trying continuously being responsible citizens to seek a solution to a troubling situation. I have now reviewed SLS 's history on the internet and find others have had the similar fate!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Torriere Holdings INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Spire Recovery has contacted me about a credit card from 2007 or so that i apparently still owe. I have not used that card in many years and it has been taken care of. After researching this company, I am not alone. I was very calm on the phone to ask them to send me formal documentation via mail and they have not. They claim that they did and that I 'm avoiding payment. The number is XXXX and XXXX based out of New York. They are threatening to diminish my credit. I refuse to pay over the phone for a claim that has not been formally given to me. They asked if I had a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Robinson, Reagan and Young PLLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This began as an eviction from a previous apartment complex due to my XXXX military registered service dogs being American Staffordshires ( pit bulls ). They claimed they were not aware that they were pits when I moved in despite my presenting copies of thier service registry. There was a neighboring dog which had a chow ( also an 'aggressive ' breed banned by the complex which had initiated an altercation with XXXX on my dogs. I received notifications from Robbinson Reagan and young of XXXX to vacate my apartment which I did after the end of the month and two weeks which covered the deposit I knew I would never receive back and the impossiblity of vacating in the allotted time. I never received any further contact from Robbinson Reagan and young until I received an email from my payroll department at work that they were going to garnish my wages for the following paycheck. I was informed by the civil court that because I had not gone to court to object my only recourse was to submit a slow pay motion and make regular payments. At this time I began to see several secondary collections on my credit report from Robbinson Reagan and young for debts from previous creditors. It seems like they are going through my history and soliciting debts for collections which they are now persueing me for. And now in the last few days I have been recieving calls from another agency called XXXX XXXX that refused to give me any information without verifying several addresses. The person I spoke to was vague at first when I stated that I had received calls from the phone number and then became rude about any indication of what the issue was. I told her to mail me any corespondence and not to call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Malcolm S. Gerald and Associates, Inc.
State: VA
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:
My wife received phone call, in 2014, stating she won a gift card. Along with this conversation she was asked several questions, XXXX of which being her favorite magazines. A month or so later I noticed we were getting billed by an unknown company " XXXX XXXX '' which I assumed was from the phone conversation. When we attempted to call the number back, the individual who answered stated that they had received numerous phone calls regarding this issue, but was in way affiliated with the activity. After this we went to our financial institute, XXXX XXXX XXXX, and had them investigate the matter. They determined it to be fraudulent, refunded our money and halted all further transactions. This has been over a years time with no word since, emails, calls, mail etc. Last week we received a collection letter for {$1100.00} from another company " XXXX '' through Malcom S. Gerald and Associates, Inc. My wife never agreed to any contract or services of any form. These charges are fraudulent and we would like to get this taken care of before any negative impact may hit her credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Metro Collection Service 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 emailed and delivered a written statement to an employee of Metro Collection Service also provided a hand written receipt by an employee of XXXX at XXXX which verified my rent account was paid in full on XXXX/XXXX/2016 also my final payment before vacating the premises on XXXX/XXXX/16. Metro Collections employee called and spoke to me about this debt. I have a certified fund bank receipt in the amount of {$960.00} dated XXXX/XXXX/16 and a hand written receipt from XXXX XXXX XXXX dated XXXX/XXXX/16 with Account Balance {$960.00}, Payment {$960.00} and Balance Due 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 2021-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Rewards

Complaint:
I applied for the Platinum Card from American Express with offer spending {$3000.00} for the first three month then I can get XXXX membership reward points on XXXX 2016. And I did spend a total {$3600.00} ( exclude {$450.00} annual fee ) within first three month. However, I do not know why my XXXX points were claimed back on XXXX/XXXX/2016. I did not get any kind of notice or explanation. I do contact customer services serval time, and was told that I might return something and made my total spending less than {$3000.00}, after I checked my billing statement I am sure that my total spending were more than {$3000.00}. I feel so disappointment about this behavior of American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I had been working with SLS or the past two years. While working with SLS I made my monthly house payments on time so that if the loan was not approved I would still maintain my house. My original loan was through XXXX XXXX XXXX. Apparently they sold my house loan to SLS. I had applied for a HARP modification on my home. I have waited almost two years with numerous phone calls and resubmitting documents, rude behavior, and promises. I was finally approved for the Tier II loan and had made the payments as agreed. While in the process of making the payments and paying as agreed with the modification approved my home was sold to XXXX. I was not notified by SLS that they had sold my loan, but they were still accepting my house payments until the loan sold on XXXX/XXXX/2016. XXXX purchased my home and has filed documents for me to vacate my property at XXXX XXXX XXXX. The Bank wants me out of my house. They have already took my property and Deeds of Trust and I have not been notified to vacate by the courts. I did as required, made my payments as agreed and sent in all documents. But for SLS to sell my home from under us is wrong. We were not delinquent. SLS has not been faithful and truthful on their parts, and are very rude, and disrespectful on helping. Each phone call is a different lie, or they ca n't find the documents or never received. I have had to submit documents more than three times on some occasions. I need help on getting my house back. My husband and I are XXXX XXXX. My husband is XXXX and I am XXXX in a few month. We have no place to go, we do not have the funds to hire and attorney, or moving expenses. How can SLS sell our home when we was current in our house payments. Please help us. I can mail or fax documentation copies as requested. I believe we have been removed from our home illegally. There tent to be an on going situation with SLS and XXXX committing fraud on taking homes from people. In the area I live it is called flipping homes and I believe I have been the victim of the scams. Some months I had to pay extra {$300.00} monthly payments above the {$1100.00} house payments. Plus, I had to pay closing cost in the amount of {$650.00}. With HARP Loans I were told you did not pay closing costs. 


I Desire that SLS go back and buy our home back from XXXX and finish our loan with us. We did not breach our contract. SLS sold our loan to XXXX without making them aware they had approved us for a Loan Modification. We want XXXX and SLS to review their documents and give back what we have worked hard for the past 15 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Monterey Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Monterey Collections stating that I had an outstanding bill for Medical services in the amount of XXXX. I have called them three different times left messages and no calls returned. I have now received From Protect My ID account that this company has now added a Negative Rating on my Credit for a bill which I knew nothing about. Doing some research I found out that they bought receivables from a company named XXXX , XXXX which is being investigated for fraud by the Federal Government. I have contacted both XXXX and XXXX and disputed this charge. I have never been late on any bill and have always paid what I owed. I do not know what these services were nor to I think they are justified. I do not even know who ordered these presumed tests in my behalf. I have always had insurance coverage and have paid any deductibles or co pays when I have received a legitimate bill. This charge smacks of fraud and I would like this taken off my credit information as well as having Monterey Collections seize all further action for a fraudulent charge they are not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Halsted Financial Services, LLC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please see Complaint # XXXX ( I have recopied it below ). It is the very same details except they are now using a different number to call from. Now they have called XXXX ( Re-copying complaint filed XXXX/XXXX/2016 as now they are using a different number ) For the last 2 months I have been receiving calls from multiple local numbers with a XXXX or XXXX area code. When I answer the calls just drop. I call the number back, and I hear music for a few seconds and someone Answers. The person comes on trying to obtain personal information from me. On XXXX XXXX, 2016, I received a call around XXXX. EST again from XXXX and the same thing happend. I answered and then the call dropped. I called back from a different number and the representative indicated they were with Halstead Financial and that they would need more information. I have not received any correspondence from this company. The representative indicated they could not provide any information to me without verification, she asked what number was receiving the calls. Although reluctant, I decided to confirm my phone number with her, because the calls are frequent and disruptive. Additionally the fact that all the calls result in hang up on their end as soon as I answer. For the last few weeks I have been monitoring my calls more and that 's when I noticed the similar number. Once I confirmed the number she was calling she asked for my social security number which refused to provide. I asked to have a letter detailing the issue sent to me and was told " how can we send a letter if we ca n't verify who you are '' I told the representative I would not provide information and I would like my name removed from their call list. I was told that was not going to happen and that I would be receiving more calls. I have no idea what this company does or what they are claiming with respect to me. I am concerned because in XXXX of this year I was a victim of identity theft. Since that time, I have been receiving numerous calls from unknown and strange numbers, my mail was also intercepted on 2 occasions for weeks at a time, and my financial information was delivered to other addresses. I also checked and I do not see that this company is licensed as a collection agency in my state. 
Consent to publish the description of what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX, a collections account from " Wakefield & Associates '' was added to my credit reports ( XXXX, XXXX, & XXXX ). I did not recognize this accounts and immediately contacted the collector. I was told on XXXX occasions that I owed a collective balance of {$5000.00} to a hospital in XXXX. I was not provided with any information to verify the debt besides a hospital name as the Creditor. I contacted the hospital and it was confirmed that I do not have a balance with the hospital. I contacted Wakefield again with a telephone no. for the hospital to verify this and the agent refused to assist in verifying the absence of the debt they claim I owe. I asked for specifics on the debt ( it was stated that they are trying to collect on XXXX visits to the hospital ). I was told they could not disclose the information on the specific accounts, only the amounts - no dates of service, etc. I have never received any written communications in regard to the alleged debt, although I did provide my current mailing address. I have verified with my insurance co. and the hospital that there is no balance owed. The collector refuses to provide an account number or proof of debt. The original creditor states there is no existing debt, that it was paid by my insurance company at the time of service.

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 2015-03-23
Company: IQOR US INC
State: NV
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance. 

Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ...

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 non-monetary relief
Consumer complaint received 2021-05-10
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PMI Cancellation XX/XX/XXXX, I requested to get my PMI removed. 
XX/XX/XXXX received noticed from service provider via letter ( Shellpoint Mortgage Servicing ), that I need to pay for a BPO. Payment ( {$150.00} ) sent on XX/XX/XXXX. Their letter also stated on line 3, that I will receive notice regarding the outcome of my PMI removable request and long with a valuation results 30 days of obtaining the property evaluation. An agent did the property evaluation on XX/XX/XXXX. 
I have not received any communication from Shellpoint, with the exception of them responding with a standard letter replying to the email I sent them. Their letter basically said to call them with questions. 
XX/XX/XXXX, XXXX @ XXXX EST - I called. They confirmed that the PMI would be removed effective XX/XX/XXXX, I also requested the letter they promised me to be mailed. 
XX/XX/XXXX - XXXX 's statement showed no PMI removed. 
XX/XX/XXXX - Called again. 1st person stated I should get a response in 30 " BUSINESS '' DAYS, I never heard that before, their letter said " 30 days '', so I told them to escalate the call. The call was escalated to Tier 2 who told me my request to remove PMI was approved and I should see the changes on my statement. Again, I requested the letter promised to me, be mailed to me. 
XX/XX/XXXX - no changes to my statement and no letter regarding the valuations results. 
XX/XX/XXXX - email them again regarding what's the status XX/XX/XXXX - decided to put in a compliant. I feel 4 months of trying is unacceptable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We went through the preliminary modification process and paid three payments on time and they said the mortgage was modified. 

We have signed and returned 4 modification packages but they will not return our calls. 

We reached out the a 3rd party housing counselor to help. However the Lender will not return their call as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
For starters they continued to call me and harass me after being told to leave me alone and that I was XXXX and that if they continued they would cause me XXXX and they continued to the point I lived in utter fear of them and of having a XXXX second they threatened small claims and judgment for years making no attempt to do so until now using max time available to intimidate third statute of limitations in south dakota is 6 years on open accounts they just now on XX/XX/XXXX filed small claims some of these medical bills they are going after stem back to XX/XX/XXXX and they are trying to get a judgement simply so they can harass bully and intimidate for another seven years third these bills are because the original medical company did not file with insurance companies correct with countless attempts to fix these bills should n't even exsist

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: IQOR US INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person.

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