BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Collection company here contacted me never have I ever received any verification or documentation on this debt. It says its for a XXXX XXXX I contacted XXXX and was transferred to The best service company. First I have copy 's of my credit reports where it states I owe XXXX then updated to XXXX dollars And when I disputed with the credit report agency 's It was updated to XXXX The Fair Debt Collection Practices Act says collectors can add fees or interest only if the amount is " expressly authorized by the agreement creating the debt or permitted by law. '' That requires having a copy of the original card agreement to prove the interest is permitted. I have Not received no Validation of debt. Then when I contacted them the Man stated that if I give the goods back and hand over some cash this will all go away. What gets me the most is he stated he is already in the process of suing me and filed documents with the XXXX California Court already, which he did not, It has been XXXX months since the phone call and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. I am diagnosed XXXX and this caused me XXXX which is not good for my well being. Also the original charge off on my reports states accounts day of first delinquency is XXXX XXXX the best service company has it listed has XXXX XXXX which account should show accurate date of original charge off account. Date of removal is listed on the original charge off as XXXX XXXX, but the best service company has extended the debt and is showing XXXX XXXX. Which is also a violation in Fair Credit Report Act listed in Sections 623 ( a ) ( 5 ) and 605 ( c ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have not been receiving any monthly statements ( or periodic statements ) From Ocwen Loan Servicing , LLC, since my bankruptcy case closed on XXXX XXXX, XXXX. A federal rule, which went into effect on XXXX XXXX, XXXX, requires monthly statements be sent out to homeowners. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX Past due Invoice XXXX for {$71.00} received from XXXX XXXX XXXX XXXX for XXXX test requested by XXXX XXXX XXXX. I contacted XXXX in a series of phone calls and they said I had two other invoices outstanding for {$290.00} & {$30.00} ; I informed them that I have never been to XXXX XXXX XXXX. XXXX was sending invoices to an address that I have not lived at since XX/XX/XXXX : XXXX XXXX XXXX, XXXX GA XXXX ; I paid XXXX {$160.00} as a settlement in XX/XX/XXXX to take my account to {$0.00} even though we could not confirm services ; Then, in XXXX I checked my credit report. XXXX XXXX XXXX was reporting on XXXX, XXXX, and XXXX Collections of {$290.00} Seriously past due for XXXX XXXX. I contacted XXXX and CCS and asked for it to be removed or reported correctly. CCS also recorded the phone calls and I asked XXXX to provide me copies of the recorded calls. On XX/XX/XXXX the CCS Collections information changed on XXXX and XXXX but still showed past due. Then, on XX/XX/XXXX, the information changed on XXXX. All 3 reported that I incorrectly owed past due amount of {$140.00} ; Since XX/XX/XXXX, I've made multiple attempts to have the collections to be immediately removed. Also, on XX/XX/XXXX, XXXX XXXX with CCS told us on XX/XX/XXXX that CCS asked all 3 Credit bureaus in EOSCAR to remove this collection from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CASHCALL, INC.
State: NC
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:
Back in XXXX XXXX, I took a loan from a company called " Cashcall '', after a couple of months, they stopped taking payments and said nothing to me. I became concerned that a large payment may be coming so I called them and was told there was a problem with the way they took money, she also said my credit would n't be harmed and I would be contacted. I was n't contacted until now, letter dated XXXX/XXXX/XXXX, post marked XXXX/XXXX/XXXX. If it was n't legal then, why should I think it 's legal now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX loans with Navient which at any time I have put a forberence on them or allocated them to XXXX monthly payment they have been done in error. There is always XXXX, XXXX or XXXX that have been left off the forberence or allocation. I actually allocated them down to XXXX payment in XXXX of XXXX for the a month of {$110.00} for all XXXX loans ; but started receiving calls beginning of XXXX XXXX. When I finally got ahold of someone at navient and questioned why they were calling it was because 'one of my XXXX loans was past due '. How could that be though?! I allocated all XXXX having made the first monthly payment myself online, with no autograft, in the amount of {$110.00}. Ironically they were deducting almost {$11.00} less from my agreed monthly auto draft therefore making me late on XXXX of my loans. What 's even more ironic is this exact same thing happen to my significiant other. He allocated all his loans a XXXX, in XXXX started receiving calls that XXXX was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Called collection agency and telephone operator would not listen, consistently said that I was not making sense because I was XXXX XXXX. Harassed me about my XXXX XXXX any time I tried to present my case. She said that I was so XXXX XXXX that I was " not comprehending. '' This is was only a tactic used to invalidate my concerns. She used my XXXX against me rather than taking reasonable time and energy to understand what I was saying. 

What I was trying to say was that management had told me to call the police on my neighbor without any good reason. They wanted me to help illegally evict my neighbor. They told me he was dangerous and told me to " be safe. '' It precipitated psychosis. They never returned my phone calls or tried to resolve the matter after several attempts I made trying to contact them. They just turned everything over to a debt collector without trying to work things out. I did everything I could to take care of the matter, but they told me to call the police and that was manipulative and wrong. It made me mentally unstable and unable to continue living there. I had to go into the hospital and was unable to return to the apartment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My understanding is that I have a right to cancel the PMI on my home mortgage, since my LTV is less than XXXX %, but my mortgage company denied my request, stating that my LTV is XXXX %. 
I have requested them to provide me an explanation on how they calculated my LTV, but I never got a response from them.

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: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX I received a letter from Huntington Bank XXXX, Ohio. It was a loan denial. The letter states that on XXXX XXXX I requested a loan in the amount of {$9000.00}. I did not request such a loan. I did not fill out nor sign a loan application. I had at the time a loan on a car with them. I did however accompany a young lady by the name of XXXX XXXX who did apply for a {$9000.00} loan. I mentioned that if she needed a co-signer I would do it for her. The idea was to have her assume the loan. However the denial letter she got ... has the same application ID as my denial letter. As well as requesting my credit report without my signed permission reduced my score from ( then ) XXXX to XXXX. In so doing sighting that for one " I had Frequent Delinquencies. I complained to the XXXX XXXX XXXX XXXX Ohio and with the banks headquarters and the local branch here in XXXX XXXX. I have one been contacted by the XXXX XXXX by phone and letter. The letter states that according to their records that I had applied for a loan. In a telephonic response to my letters I was told that I had Indeed applied. My stated response has been the same. Show Me The Application. I was even told I couldn't see it because the loan had been denied. Answer : There is none and they are continuing to LIE. I did also challenge the score with all 3 credit agency 's. Since I have found out thru a loan inquiry that the matter was settled with the company. My score was elevated to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed a fraudulent account listed on my credit report twice, and I am still fighting to get the account removed. I provided the identity theft complaint as supporting documentation with the XXXX dispute, which included the police report number, and XXXX 's name who filed the report. I have explained to them that the police report with the identity theft complaint is XXXX pages total, and that 's why I have n't sent the actual police report. Equifax used the same identity theft complaint to place a security freeze on my file, but I still have to go through XXXX to get this fraudulent account removed, that is included in the identity theft complaint as fraudulent. I called the creditor yesterday several times before they could even find this account in their system, and when they finally located the account, they admitted that they received the identity theft affidavit on XX/XX/2016. This account was removed/blocked by Experian on approx. XX/XX/2016, and creditor was notified by them. I called Equifax again yesterday after talking to the creditor ( XXXX ), and told them that XXXX is acknowledging that this is a fraudulent account, so how do I get this removed. Equifax told me that I would have to send a copy of identity theft affidavit/police report with a request to remove the fraudulent account, also a copy of ID and social security card. Even though I have provided a copy to them, and again, this was the same identity theft report they used to place security freeze on my file, I faxed it to them again because I simply want this account removed so I can get on with my life. This account is damaging my credit!!! This is not even my account, and I have gone through XXXX to clear my name of fraudulent accounts/information that has caused enough damage to my life. No identity theft victim should have to go through this, calling credit bureaus/creditors in tears over what should have been resolved by now. I called Equifax again today XX/XX/2016, and they ca n't even confirm they received the block request, all the other documents they requested, which was faxed yesterday. I wanted to make sure they received what was requested/required to resolve this fraudulent account, and they ca n't even tell me that much!!! They said I have to wait XXXX hours to even find out if they received the fax. What do you mean XXXX hours? This is beyond ridiculous. And this is the same information they were given already, because they used it to activate my security freeze. Do I have to take legal action to get this fraudulent, inaccurate information removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Linebarger Goggan Blair & Sampson LLP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by Linebarger Goggan Blair & Sampson, LLP acting as a 'debt collector '. The actions of Linebarger Goggan Blair & Sampson, LLP as a 'debt collector ' include the use of coercion and harassment to procure unlawful and illegal payments for an 'alleged debt ' and violate 15 USC 1692 and THIRTY-NINTH CONG. SESS. II CH. 187, 188. 1867, page 546, XX/XX/1867 CHAP. XXXX ( see attached ).. I do not know, nor do I have any contract with the entity Linebarger Goggan Blair & Sampson, LLP.

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: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Purchased {$500.00} prepaid Netspend visa card, used once, now they are trying to scam me to send them pictures of my social securtity card

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 2016-07-14
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am a XXXX and I called National Credit Systems XXXX Inc. with a client multiple times and have repeatedly been treated poorly, but my phone call today was by far the worst I have ever experienced. I made an offer on behalf of my client and was told that the balance was at XXXX in spite of the fact that she received a XXXX off letter that was not honored due to a time limit issue. In my client 's defense, she did not receive the letter on time before the time expired. The collection agency added a {$1400.00} collection agency fee and I simple asked the supervisor if she was aware that they were in violation of FDCPA for the collection agency fee. And she told me that I was being hostile and using strong arm negotiation tactics and said she had no desire to talk to me further and hung up on me. I called back and spoke to the original representative, XXXX XXXX, who proceeded to directly transfer me back to XXXX XXXX, the supervisor. I did not ask her to transfer me. At this point, my client just needed to pay the bill and be done with this account. I called back again and XXXX XXXX directly transferred me again without even speaking to me. I 've never felt so disrespected on a phone call in my life. I asked my client if she thought I was being hostile and she said no. Every time we have called this collection, they have been nothing but rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken loan and fraudulent claims to get you to refinance with them. This is a VA loan, my husband served his country for 20 years to be taken advantage of and lied to so someone could make a few dollars. The lending agent from Quicken loans specifically told us our payments would be applied to our loan every two weeks as paid and not held in suspense. Once the loan was cleared we became aware of the fact that the funds that are automatically taken out of our account were indeed held in suspense until the full monthly payment is collected, plus an extra XXXX a month and then all of the funds are held until the date the payment is due. The loan we had previously was done the same way and we were emphatic about my payments being applied every two weeks. The end result is we paid XXXX in closing fees to get exactly the same thing I had before. They are auto deducting my payments every 14 days and holding them until the until the due date so we are not getting credit on the interest for paying every two weeks, nor for paying early, nor for paying extra monthly. I was directly mislead on how my funds would be credited in order to claim XXXX + in closing fees. When I complained to QL I was told that they have retrained their lenders to not tell people this but they were unable to do anything for us. We requested that they refund the fees they charged to gain my business by lying to us and we were told that was not their problem and they could not refund any money. 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Debt collectors calling telling me that I will be sued if I do n't pay. She calls a couple times a week threatening me with lawsuits and jail if I do not pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Cadence Bank
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am a student at XXXX University in XXXX. I am originally from XXXX. In XXXX my debit card was stollen. There was a charge of {$73.00} on my account to XXXX. XXXX is a XXXX website that does not have any contact information. Bancorp South reimbursed my account three days after. In XXXX XXXX responded saying that I was a Cardholder since XXXX and provided a fake name and address that did not match anything the bank has for my account. XXXX XXXX while I was home in XXXX break Bancorp South sent me a letter stating that I would have to write a rebuttal letter by XXXX XXXX, XXXX in order to receive my money back. I returned to XXXX Monday XXXX XXXX, XXXX and received this letter Monday XXXX XXXX, XXXX. The bank has withdrawn the reimbursement of {$73.00} because I did not respond by XXXX XXXX, XXXX even though I did not receive any notice until XXXX XXXX, XXXX. They will not return this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
need help with my XXXX XXXX / Navient loans please help constant harassing me company will not give me balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my XXXX, XXXX, and Equifax credit files, I received form letter responses and no action was taken. 

I then contacted XXXX XXXX, and Equifax regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recent credit monitoring shows an account from XXXX XXXX listed as collection account, this account is inaccurate and do not owe XXXX or its third party XXXX, i hereby dispute this information and demands it to be removed from credit report, the collection agency nor tmobile has not contacted me with any proof of this debt and how they came about with this amount ... i believe only accurate report should be reported on one 's report. This report has damaged my credit and demands experian to do thorough investigation rather than sending electronic form of verification with the furnisher. I request a response from experian within 10 business days, until i pursue further action

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: CT
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:
Navient is telling me that I need to pay the full monthly amount and has not offered me anything to lower the monthly bill which is far out of the realm of affordability. I asked if I could speak with someone about programs so she connected me to another service rep who told me that I would not be able to look into a program until the same day that my monthly payment is set to go up. Then she gave me a date in which my payments would go up which did n't match the date given on my paper bill I had in my hand. they will not allow me to make any changes until the date that it 's supposedly do but by then, according to the paper, it will be two months of insanely high payments that I ca n't afford. So basically I was offered no sort of help. I then asked to transfer the payments to my own bank card rather than my cosigners account and was told that I could not do that either. Should n't there be an income-based repayment option offered? For years I was talked into forbearances without ever being told I can do an income-based payment. I 've been paying for almost 10 years and my loan is almost {$13000.00} more than what it started out as. This is so wrong. Never mind the fact that I signed these loans as an XXXX-year-old kid not having a clue what the real world was like. at that point I did n't realize money did n't grow on trees, and I did n't realize these huge amounts of numbers were going to give me financial ruin for the rest of my life.

Company response to consumer: Closed with explanation