BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-13
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
About one year ago I moved from the apartment called XXXX in XXXX Colorado to another place. So the apartment office said they were going to send me any balance remaining. On XXXX I received a balance of {$170.00} dollars so I went and bought a money order and submitted to them and cleared all the balances. Since then I never received any cimmunization that I had any due balances until around XXXX when I received a letter from one of collection agencies called Metro collection agency with a balance of {$230.00} which they wanted me to pay due to unpaid balance from XXXX XXXX apartments. The letter indicated that no additional charges are added from the initial debt. I decided to go myself to Metro collection and seek clarification of the balance and met with a person called XXXX XXXX whom I talked to and got me balance they received from legend orks apartments was {$170.00} and they added their charges which resulted to a balance of {$230.00}. He promised check and seek clarification from XXXX apartments and will give me a call back. I never received any call or mail since then. So I decided to check my credit score two days ago and found added account from collections with a balance of {$230.00}. I got the content information and found its from Metro collections agency. When I called them to ask about it they told me to write a dispute letter to them and attach a prove of payment that I made. So my concerns are if I never paid the balance why did they take long time since I paid the money order to contact me about the debt? Again why the Collection agency decided to add their charges on the balance they got from the apartments on which they indicated on the mail I received on XXXX that no additional charges or interests are included? Third why the collection agency never called me when I complained about the balance when I went to their office and they promised me that they will call back in few days ( XXXX XXXX employee who promised to call me )? Again why are they asking for a prove for payment for money order when the apartment are now owned by different company which they do n't have the receipt for payment and this is long time to be able to get that prove of payment? And finally why they reported the balance to credit bureau without contacting me to make a payment? Of course a paid this balance they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Law Offices of Stage & Associates PA
State: FL
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:
Attorney XXXX XXXX has been sending several threatening foreclosure letters before the date granted by her client XXXX XXXX XXXX HOA for the amount of {$780.00} due no later than XX/XX/XXXX. This payment was paid in full sent on XX/XX/XXXX USPS certified returned mail and was available for pickup XX/XX/XXXX. My check # XXXX {$780.00} was endorsed by XXXX XXXX XXXX HOA president XXXX XXXX on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX HOA dues. I explained to XXXX XXXX that I have a statement from XXXX XXXX XXXX HOA with due date XX/XX/XXXX {$780.00}. She stated her letter dated XX/XX/XXXX for {$820.00} due by XX/XX/XXXX superseded XXXX XXXX XXXX HOA letter dated XX/XX/XXXX for {$780.00} due by XX/XX/XXXX. I am not an attorney but it seems against the law for XXXX companies to collect on the same debt and I believe XXXX XXXX is in violation of the FDCPA. I do believe Attorney XXXX XXXX should have waited after XX/XX/XXXX to start her legal proceeding which would have been understandable. However, Attorney XXXX XXXX continued her collection efforts on a difference of {$44.00} without verifying the accuracy of the debt. To make matters worse, on XX/XX/XXXX I received a voicemail from Attorney XXXX XXXX illegally disclosing that XXXX XXXX XXXX received my payment but she is still collecting on the balance of {$120.00} and that needs to be paid to prevent her from putting a lien of foreclosure on my home. To my understanding XXXX minus XXXX equals XXXX not XXXX. I also received XXXX more letters threatening foreclosure letters from Attorney XXXX XXXX demanding {$390.00} by XX/XX/XXXX and {$760.00} by XX/XX/XXXX. At this time, I have sent Attorney XXXX XXXX a certified letter disputing this debt. I feel I am being harassed by Attorney XXXX XXXX on a debt that was paid in full by the timeframe given by XXXX XXXX XXXX XXXX. At this time, I am in need of your assistance to stop the Law Offices of Stage and Associates, P.A. XXXX XXXX from placing a foreclosure lien on my home and to stop her aggressive attempt on collecting on a debt that I feel I do not owe. I have a copy of all documents mention above and my saved voice mail from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Jonathan C. Frank & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I took out a loan through XXXX XX/XX/XXXX. I have been contacted by a law firm in XXXX called Jonathan C. Frank & Associates, saying that I owe {$700.00}. I live in XXXX and this company is in XXXX. I contacted XX/XX/XXXX, and my debt was sold to XXXX XXXX XXXX ... and the debt was for {$500.00}, verified by XXXX, and XXXX. XXXX XXXX XXXX told me that they sold it on XX/XX/XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of XXXX. None of this makes sense since I am in XXXX. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
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 had made a agreement with Metro Collection service, inc on a debt. Marking {$100.00} payments each month, of which I did keep my part of the agreement. During the last few months I took it upon myself to increase the amount of the payments. I called on XX/XX/2017 to find out my final pay off amount. XXXX informed me at that time my pay off amount was {$130.00}. I agreed that matched my records and sent the payment in, asking only for a lot tree r confirming the pay off. On XX/XX/2017 I received a letter informing me they received my payment, but now I owe another {$140.00} and they asked for a payment of {$140.00}. Due right away. This does not match my records and was not the info o was given.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Franklin Collection Service, Inc.
State: FL
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:
I ordered XXXX service. XXXX XXXX XXXX setup XXXX accounts. ( why I do n't know ) I was only serviced by XXXX account and paid on time every. They took me to collections for the implementation fee of the XXXX account. I disputed the charge and they removed it. after a few month they re-established it in collections with another collection service. I called them and all I get is that the account is in dispute. 
When I closed my account with XXXX XXXX XXXX they even gave me a refund for my overpayment. 
It was in collections with XXXX XXXX XXXX on XX/XX/2016. AS per XXXX " The creditor agreed to remove charges and/fees, This account is settled '' Now the collections shows up again with XXXX from Franklin Collections services Inc. my valid account number with XXXX XXXX XXXX was paid in full. As shown on my invoices the activation for my account was charged and paid by me on invoices XXXX and XXXX copies attached. When I closed my account with XXXX XXXX XXXX I was refunded the credit that was due me ( copy on final invoice attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Pinnacle Credit Services, LLC
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 is not mine

Complaint:
This debt, which is OVER 7 YEARS OLD, first appeared in XXXX as UN-authorized charges on my XXXX XXXX cell phone bill. I refused to pay the charges and the account was closed. Pinnacle Credit Services LLC bought the debt and tried to collect. I told them the debt was not mine and would not pay it. Pinnacle Credit Services has since changed the date of the debt to XXXX/XXXX/XXXX and is still trying to collect on it EVEN THOUGH THE LAST TRANSACTION I HAD WITH XXXX WAS XXXX/XXXX/XXXX AND IT SHOULD HAVE BEEN DISCHARGED A MONTH AGO!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: Comerica
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Comerica bank is close to making my excellent credit rating damaged by mis applying my early house payment to the principle only. The entire amount was applied to principle which then showed a no payment. This was in XXXX Of 2015. They said they fixed it but they still show me behind one month. Every month I talk to a supervisor and nothing is being fixed. Please help. I have always paid about 10 days early. I do n't know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 requested updated information for a paid balance in XXXX of XXXX to the XXXX of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my XXXX payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Chase Bank has been falsely reporting information on my credit report. I have disputed the information with the credit bureaus and they continue to verify the many inaccuracies on my profile. 

I went through my records and found a monthly statement and it shows how Chase has provided fraudulent documents on my statements. The amounts of debt it stated I owed and other account details were inaccurate. The complete pay history is inaccurately reporting. 

How can they report inaccurate information with any care to how it may affect my credit. The terms balances etc all vary from the documents they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It has come to my attention that a deposit issue with another financial institution has caused an unfortunate chain of events resulting in a mortgage payment due to Chase becoming past due. Chase has since reported my mortgage loan as being once 30-59 days late and then also secondly as being & gt ; 60 days late. In contacting Chase, I was transferred around to several agents before finally being told that my only option was " to just move forward. '' This is neither a resolution nor an acceptable form of customer service. First, the time between my due date and the date that I recognized and rectified this issue by satisfying my current amount due was not greater than 60 days. I have never been greater than 60 days past due on my loan with Chase, and I am fully requesting that this credit mark be reviewed and removed promptly as inaccurate. Secondly, as a customer of Chase, I do not feel like they have any interest in assisting me in this matter regarding my mortgage payment falling past due. They were not interested in hearing any details from me in regard to my transactional issue with the other institution that subsequently caused this late payment. They did not wish to take into account my mortgage payment history with their institution and instead chose to ignore that I have never been late on any payment in my entire credit history, with Chase or any other institution. I also question Chase 's interest in even informing me as their customer that my payment had been missed. I was never notified by Chase by phone, in writing, or even by a simple automated notice that my payment was delinquent, until I received a formal notice about my options regarding avoiding foreclosure of my home. I am requesting the following pieces of information from Chase : 1 ) I would like for Chase to formally explain to me their general policies and procedures for contacting mortgage customers when their payments are past due. 2 ) Within the policies and procedures of Chase, I would like to know when Chase begins to make initial contact attempts with their customers that are past due on mortgage loans. 3 ) I would like for Chase to formally explain to me why my account was excluded from any early-stage delinquency contact attempts. 4 ) If it is within the policies and procedures of Chase to contact other mortgage account holders by any means at a date earlier than I was notified about my particular account, I would like for Chase to formally explain why my account has received disparate treatment. Lastly, I understand that the original issue that caused my payment delinquency is not the responsibility of Chase, but I would wish for Chase to review my description of what caused the late payment, review my previously good standing credit history with Chase, and please reconsider their stance on removing the 30-59 day late credit mark as well due to this customer service issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to resolve this issue with Chase for MONTHS, regarding account number XXXX, which is related to a short sale done on XXXX XXXX XXXX XXXX, Ca - My previous CFPB complaint yielded some attention from chase, but they conducted an investigation on the wrong account. After sorting though their error, we ascertained that they indeed conducted an investigation on the wrong account, and they opened up a new executive case # XXXX - then I spoke to XXXX, and she agreed that due to the short sale being done on this property, California law protected me from any XXXX Lienholder deficiency balances or claims. She assured me the debt would be canceled out and I would receive written confirmation within 10 days. After not receiving any correspondence I call back again today, and they were unable to locate my executive case number, and to my grief, they said my account had been assigned to a third party collection agency! Wow, we went from " we are sorry, debt is being cancelled '' to " your account is no longer in our office, it has been assigned to collections. " I am disgusted, exhausted, and upset. Luckily, I have the call recording when I spoke to XXXX at Chase which I will be uploading for your review. Please, somebody do SOMETHING about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a bank account with Chase Bank, I was expecting XXXX checks from a former employer, I had not checked my account all week when I checked on Monday and then Tuesday I saw XXXX checks XXXX of {$1400.00} and another of around {$900.00}, I thought those were my checks, I went Wednesday to a Chase branch to withdraw the money to make certain adjustments to my vehicle and found out that my account had a week that it was frozen with restrictions because some one had stolen my card information and set up several deposits and withdrawals during the weekend which never reflected on my online banking with Chase. Chase failed to inform me via email, phone call, anything, I received a letter about a week later about my account being closed and the fraudulent checks being deposited on my account, after I had already filed a complaint with chase to release my funds that were on my account, Chase has denied my claims due to the fact that I had logged into my online banking and state I never reported the issue and claim the deposits were done with my ATM card, which I had with me at all times, I filed an executive complaint and emailed my work schedule proving that I was at work while all those transactions were being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX years old female who hold a conventional fixed mortgage with Bank of America. I have lived at XXXX XXXX XXXX XXXX, XXXX, NY XXXX my primary residence since 1997. The interest on my mortgage XXXX. XXXX has been 7.37 %. Over the past 5 years I have requested a modification to reduce the interest and payments. I have completed forms and submitted at least XXXX packages. Over and over it goes. A former consultant at NY XXXX XXXX woman XXXX XXXX who was helping people like me submitted a document informing Bank America that during this process I will be submitting the escrow payment monthly. My status moved from being full time XXXX to a retiree whose income now is primarily XXXX, some annuity disbursement since I am now retired. I have submitted hardship documents over and over. Still without success. When I was fully employed I was told that my income was too high. Now that I am retired, I do accept part time assignments to teach when these are given. Last semester I XXXX XXXX classes. This semester I received none. However, I am still able to pay the escrow. I have worked and saved all my working life to retire and live though at a different level. I live prudently and frugally. Each time I believe I am making headway in the process the consultant is changed as well as their location which makes me wonder whether documentation sent to XXXX is transferred to the next XXXX. This makes me have doubts about the process. I do not think it is honest. The most recent consultant made it clear that applying and completing documents offers no guarantee for success. Does it then mean that I am engaged in a process destined for frustration. Does it mean that this is a cruel game intended to oppress and frustrate me so that I will just give up and do a short sale and turn over the major asset of my life to Bank America? Our Government readily helped Bank America to survive with a quick bailout. I do not see any reciprocation when the CEO 's still get big bonuses and the little people get squeezed and oppressed. I am so thankful for now XXXX XXXX for understanding the plight of little people and little elderly people like me.. Yesterday I faxed the document XXXX verification benefit award letter to XXXX XXXX XXXX to her, Today Im telephone about its non receipt even though another mailing admits receipt of document. The process needs to be more humane -- not terrifying by more than XXXX computerized program just beating and beating and beating ones mind to drive them out of their homes and leave it for Bank America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Sallie Mae was the lender. very briefly I was unable to continue schooling and finish my degree. I was hassled more than XXXX and XXXX times a day with phone calls almost every day of the week, at the very least contacted every other day, what 's worse my father cosigned some of these loans and dealt with the same calls and bad manners I talked with him and I documented what we could. I did ask them to stop contacting me unless it was within accordance the law allowed. I was threatened that this will never go away and they would destroy my financial credit though I have no proof of these particular conversations I did n't document some things. While still in school they had sold some of my loans that I was successfully paying and some of those again got re-sold as well. At this point I did not know who was who in terms of loans owed. Rates had changed loan numbers are not matching up. So not only did I still owe and pay Sallie Mae but now owed some other companies who were seeking payments from cosigners as well, just as viciously! still I could not afford school or penalties and payments. my father had cosigned a couple of these loans it has stressed and damaged our relationship I have no degree and there is still more but I think you get the point. It has stressed and damaged our relationship ( my father and me ) I have no degree and there is still more but I think you get the point. Not to mention my credits about a XXXX

Company response to consumer: Closed with explanation