BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been requesting a payoff quote from Seterus since XXXX XXXX, 2015 and I 'm still not in receipt of the quote, even after consistent follow up and follow through with Seterus. Please see attached for specifics on follow up and communication with Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has not only refused to put a XXXX year fraud alert on my account after I suffered identity theft, they have also refused to remove inquiries which were not made by me. The other XXXX credit reporting bureaus notified Equifax of the ID theft and the XXXX year fraud alert, which Equifax has ignored. Also I have letters from the banks that made inquiries saying that all XXXX banks would send inquiry removals to Equifax. Equifax has also ignored these letters from the banks. When I called Equifax to tell them about all of this, they said they never received a XXXX year fraud alert nor any of the inquiry removals which seems implausible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed this account with Equifax on : XXXX XXXX, XXXX ; they have not gotten back to me. This account was removed from all XXXX of my credit reporting agencies sometime back in XXXX ; it was added back on my Equifax on : XXXX XXXX, XXXX ; without my knowledge, I will also state, this account was paid in full in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Genesis Lending
State: ND
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was mislead on all information on the predatory school loans provided by Genesis Lending XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX.

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 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting wrong information regarding my XXXX XXXX XXXX XXXX. The loan was opened in XXXX XXXX for XXXX months. They are reporting the XXXX payment as XXXX XXXX which is incorrect. 
XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments {$9200.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$410.00} Responsibility Individual Balance {$9200.00} Highest Balance {$20000.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor

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 2016-06-24
Company: Equitable Acceptance Corp
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When the Student Loan Forgiveness Act initially came out I spoke to what was then XXXX XXXX, now XXXX who carries my student loan. They said I had already consolidated and did n't qualify for loan forgiveness. Equitable Acceptance Corporation under the name XXXX XXXX Loans contacted me by phone. After giving them my information the representative stated that not only do I qualify, but I qualify for XXXX payment. I pay them closing costs XXXX or {$39.00} per month in closing costs. They will file for my loan to be placed on deferment while consolidating the loan and my payment of {$39.00} per month will begin XXXX XXXX until paid in full. The origional contact with this company ocurred XXXX XXXX, 2016. I recieved the initial deferment documentation via email. I received notification by email from XXXX last week indicating that my deferment was almost over. This made me question, because Equitable Acceptance was supposed to be taking the loan, so why would I be hearing from XXXX? I then received a bill from Equitable Acceptance stating they wanted {$39.00} by XXXX XXXX, 2016. I called XXXX today XXXX XXXX/XXXX/16 XXXX about the deferment. The representative indicated that I would be better off paying my monthly payment as is, because under the loan forgiveness act I would end up paying more per month and I will be paid off in less than 10 years. She then said Equitable Acceptance serves as a 3rd party representative, which they did not tell me. She indicated that I am paying them to do paperwork I can do myself, they have not filed for consolidation on the loan and are simply deferring the loan. She provided me with the phone number for XXXX XXXX XXXX XXXX XXXX to determine my rights and XXXX to determine if a claim has been opened under my social security number. I believe that I was given false information by this company and now they are going to demand I pay them a monthly payment to them under false pretenses while still paying on my student loan. They are not providing the services they indicated to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My insurance provider XXXX XXXX was to pay ( and did eventually ) XXXX Colorado for services that they referred me for. XXXX turned the bill over to collections with professional finance even though the bills were eventually paid by XXXX. XXXX made an error and temporarily cancelled my coverage and I should have never had a lapse in insurance. I did communicate with XXXX XXXX about the issue and they said no problem - they would get it handled. I do have correspondence form XXXX that they were at fault and would cover the charges. I was also told there would be no dings on my credit report. Well that apparently was not true. The amounts were {$450.00} and {$330.00} showing as medical collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: AMCOL Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I moved 2 years ago and they were sending bill to old address, so I never received anything. They had my new address and only sent to old address. I never knew about this bill until I checked my credit report. Now, I 've paid this around three months ago and it 's still showing it 's open and has balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
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 asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received the statement from Machol & Johannes and there are charges on the statement that I am not sure that I am responsible for. There is no ledger to indicate that this is charged to me or not. Further more it seems that the debt should be paid off and it still shows a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, 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 2015-11-30
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit card company turned off my ability to pay and I was not able to get them to turn it back on. After XXXX missed payments, they closed my account and I was sent to collections. I received a letter from a collections agency that stated a settlement offer. If I paid half of the amount due, the credit card company would forgive the other half. The letter stated the settlement was an option for the entire length of time that the collections agency serviced my account. I paid the 50 % to the collections agency and thought I was done with this debt. However, a few months later, I was checking my credit and the half amount was still showing as due. I called the collections agency and they told me that the credit card company had requested my account back. Since the collections agency no longer had my account, they apologetically let me know that there was nothing they were able to do. I called the credit card company and asked why the debt was still there if I paid the settlement, and the representative said it was not marked as a settlement. They said they would request the information from the collections agency and get the debt removed. Another couple months go by and I get a letter from the credit card company to open a credit card with the balance of my debt as the credit limit. I call the credit card company again and ask why my debt was not removed. The representative was extremely rude on the phone and went as far to say " what do you want me to do about it. '' I paid the collections agency in XXXX of 2015 and the credit card company requested my account back in XXXX of 2015. I have not been able to get the credit card company to assist me. The credit card company has sent me to another collections agency, which I already claimed a dispute against the debt. 

I have proof of the settlement agreement and proof of payment to the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have not had a XXXX account and to see a collection from them is surprising. 
I have not recieved any letters in the mail or phone calls? just seen this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: COLLECTION BUREAU INCORPORATED
State: ID
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 do not owe the amount that this company is trying to collect from me. I get government assistance for my child care and I have submitted receipts to the owner of the facility and now since no response or contact from her in over XXXX months it was sent to collections in XX/XX/XXXX. I have disputed this debt from day one of me being notified via mail and nothing has been done to correct my credit report or the amount being collected. I have reciepts from the state along with invoices from the provider and my year end statement from the provider that proves I do not owe XXXX that is trying to be collected from me. Every time I try and get a status on this debt an employee named XXXX has refused to provide me with any information on the account and says that I still need to submit proof which I have done. XXXX is the only one that has refused to provide me any information on my case and when I get a " supervisor '' on the line they promise to ask for itemized statements and get back to me which it is now almost XX/XX/XXXX and no update and the promise for itemized statements still is being said but nothing has been sent to me in regards to any thing. I really need help dealing with this company because I can not get any information when I try and contact them because of the employee who answers the phone named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Performant Financial Corporation
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I take student loans for XXXX by XXXX. For health reasons, my payments was late. XXXX increase the loan amount of {$8.00} to {$12.00} for a period of XXXX years, when accept a deferment. Then, transfer the loan to Performant Recovery Inc . 
The monthly payment is being made through payroll discount and my employer makes payments monthly. In the Credit Bureau report this amount is continuous ascending balance and do not report the payments to credit bureau and my account is bad. The credit score monthly is low because Performant Recovery does not report payments received. Beetween XX/XX/2016 to present my XXXX Student Loan account balance Increase by $ 55 monthly from original balance and is not good to me and I afected my Credit.

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 2015-10-22
Company: Auto Trakk, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I rent a car from a company called XXXX. I got into a car accident. I never received an estimate for damages of car for 2 months from XXXX, towing company, and Autotrakk ( loan company for XXXX ). XXXX held my car for 3 weeks saying they would help me and transfer car to a financial plan towing place and it sat in a garage for 3 weeks, no response and get a last minute violation of contract. I was even told by them that they would fix the car for me and I would n't have to worry about anything. I then went to XXXX and asked for an adjuster for estimate of damages. 5 weeks no response. I waited 2 months and car is gone and I never got a financial plan or estimate for car to get a financial payment plan. I also went to XXXX & XXXX a few times and no estimate. I am victim of loan predation. I could n't even get financial plan to fix car and They have no idea where it is. I also have a contract unsigned by Auto Trakk for the loan. I also did my violate any contract and XXXX took advantage of me and held car for 3 weeks and sent a last minute contract violation. XXXX guarantees 2 week return on car. They are a company that leases card that you pay weekly and with a 2 week notice you return car. I feel taken advantage of. Also, they help you find jobs, it kind of is a hiring company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Recently I had received an electronic notice of an insufficient fund fee. When I logged in to manage the account I noticed that there were actually XXXX fees charged, however, after looking through the charges and when transactions had posted to my account only XXXX fee was understandably applied to the account. I called Chase and spoke with a woman by the name of XXXX XXXX who seemed to have a bad attitude so I immediately asked for a supervisor to feel more comfortable expressing my concerns as opposed to feeling like I would have to potentially argue with someone about my frustration. I then spoke with a gentleman and explained how XXXX of the charges were covered by money I transferred from another account and that literally left my account at a XXXX balance. I then received an insufficient fund fee to the account due to a valid charge that took place of XXXX causing the account to be overdrawn. I asked why XXXX fees were charged instead of XXXX and he explained that although my two smaller payments were already pending and reflected in the available balance that they take the larger transaction and apply any " available '' money in the account to that transaction first. Because of this, I was charged XXXX insufficient fees rather than just XXXX. I am so disgusted with this type of procedure. It is bad business and a way to make an already expensive fee an even greater one with each fee being XXXX dollars. I ca n't even begin to review my past transactions to see how much money Chase has received from me through these fees. I would often just pay them as I blamed myself for these fees being applied due to my own negligence. Now knowing how this process works I wonder how much it has truly cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a previous complaint on XXXX/XXXX/XXXX with the CFPB # XXXX regarding Wells Fargo Dual Tracking my loan in foreclosure. This time I have complied all of the correspondence which proves up my position. Wells Fargo initially denied my husband and I for a loan modification XXXX XXXX/XXXX/XXXX, because of our combined income of {$22000.00}. Because of the stresses in our marriage and external circumstances we separated. I applied alone and submitted my package to Wells Fargo on XXXX/XXXX/XXXX with my income being {$6900.00} per month. In a letter dated XXXX/XXXX/XXXX from Wells Fargo they stated they were unable to move forward with my request for assistance and that they were sending my loan to foreclosure without any explanation whatsoever. In a letter dated XXXX XXXX, XXXX from Operation Reach on my behalf requesting that Wells Fargo provide a acknowledgement of the package as well as providing a decision to my request for mortgage assistance. In a letter dated XXXX/XXXX/XXXX Wells fargo sent a letter responding to the third party authorization and also stated that my package had to be reviewed by a modification re-entry, the letter also stated that Wells Fargo was unsuccessful in their attempts to contact both the third party and myself, which is false on every level. On XXXX/XXXX/XXXX, a Notice Of Default was recorded on my property still no decision from Wells Fargo Bank on my application submitted on XXXX/XXXX/XXXX. There were numerous letters from Wells Fargo requesting more time and then a response dated XXXX/XXXX/XXXX ( which I just received ) The response from Wells Fargo explained that based on my modification application and income of {$6900.00} there was not a significant change from the combined income of {$22000.00} which we were previously denied for. It appears to me that math is not top on the Wells Fargo list when evaluating for a loan modification or maybe this major fact was overlooked. The letter dated XXXX/XXXX/XXXX also requested additional items in order to review my application submitted on XXXX/XXXX/XXXX, this request comes 3 months after my loan was submitted to foreclosure and XXXX month after Wells Fargo filed a Notice of Default, and now there is foreclosure sale notice for XXXX/XXXX/XXXX, this notice I believe deterred the possible buyer as it was posted while inspections were occurring.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I contacted my loan servicer American Education Services to discuss my student loan, particularly debt settlement. They advised it was n't an option due to my various lenders. I asked for the name and contact information of the actual bank that owned my loans. A supervisor got on the phone and told me my loan is owned by XXXX National Collegiate Trust but they denied having any contact information for me. They said the most they could do was send me the promissary note. I think the servicer should have actually have to be able to provide me with contact information for the actual lender. They said they did n't even have a general phone number. I have n't been able to find one on the internet, so I have no way of being able to contact them. I requested the promissary note, but it has n't been sent. I understand that no one has to agree to debt settlement with regard to my loan, my issue is the lack of information and transparency.

Company response to consumer: Closed with explanation