BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: Weinberg Mediation Group LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XX/XX/2017, at XXXX am ( XXXX ) I received a call from someone asking me to provide my attorney 's name because I 've been sued for a debt. I asked who he was calling on behalf of an he stated he was calling from Weinberg Mediation for XXXX. He woke me up from sleep, as it was so early in the morning my time, and I told him that it 's XXXX am, why are you calling. I also said I 've never heard of the company or owe a debt he was speaking of. I asked him not to call me on wireless, and hung up. At XXXX pm ( XXXX ) the same phone number called again XXXX, but I was at work so I did n't answer. The same number called again at XXXX pm ( XXXX ) and left a detailed message with part of my social security number on the voice mail. On my lunch break I called the number back and asked them why they are calling me. I told them I do n't know what account they are talking about and please stop calling my wireless. The agent hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there was a bank account open in my name at XXXX XXXX XXXX, that is now close due to fraudulent activity and now i ca n't open any type of bank account because of this. my identity was stolen when i lost my wallet and phone a couple months prior to this. when you call the social sercurity place to report a lost social all they do is give you a replacement but ca n't tell you if things have been open with your information.

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 2017-03-24
Company: Movement Mortgage LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We went to closing today at XXXX for a house on XXXX, XXXX Delaware XXXX. We have been told several different loan amounts and closing cost. I did not receive my final closing papers until this morning at XXXX and I had to call my mortgage company to get the figures. I was NOT given 3 days prior to closing. My loan amount was approved for XXXX but when I got to the table the loan amount was XXXX. This made our closing cost XXXX. We were NOT expecting to pay this closing amount. We did not understand where Movement Mortgage got their numbers from. Our mortgage loan officer did NOT even show up for the closing and when we called him at the table even the lawyer from XXXX was confused at what our Loan Officer was saying. We closed anyway but we need help and answers. There 's much more to the story so it is easier if someone would call us. XXXX.

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 2017-03-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To whom this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, the CFPB, and others - however - despite multiple attempts to contact Chexsystems I have not gotten a response from Chexsystems and negative known to be false information continues to appear on my report. However, whats worse is that Chexsystems has failed to following the rights, as explained on Chexsystems ' own website here : XXXX Specifically, at least the following violations have occurred : 1. ) Chexsystems has not initiated an investigation into my disputes and continues to request unnecessary information as an excuse for not investigating. 2. ) Chexsystems has not provided me with a copy of my credit file in or provided me with a response to a dispute within the allotted time. 3. ) Chexsystems has not included my " brief statement '' on file, meaning I am being denied my rights to dispute information that Chexsystems has failed to remove or properly investigate. 4. ) Chexsystems has not resend my file to financial institutions who previously obtained a consumer file with disputed and known to be false information. 5. ) More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response via registered or tracked mail to XXXX XXXX XXXX, XXXX XXXX, California, XXXX, USA. I have experienced missing mail, which is also in my previous complaints to Chexsystems and thereby believe this requires the use of tracked or registered post to avoid the sensitive information from getting stolen and to confirm delivery. Should you have any questions or concerns, please contact me at XXXXXXXXXXXX or via mail to the address above.

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 2015-06-29
Company: BOK FINANCIAL CORP
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
The Bank of Oklahoma trust department has been concealing important information on a municipal bond issue cusip # XXXX. 
The bank 's trust officers XXXX XXXX, XXXX XXXX and XXXX XXXX have failed to ever file MSRB-EMMA disclosure statements concerning the financial viability of the health care facility. As well as failing to disclose relevant information concerning the operating license and occupancy rate at the facility. 
This information has been concealed by the trust department, while at the same time telling registered municipal bond brokers that the facility was in good financial health. 
This FALSE information was passed along to me as an investor, and has caused me to suffer a complete loss on my investment. 
I request that the Bank of Oklahoma make me whole on the worthless bonds. 
The bank has known that the facility was closed a few years ago, but concealed the detail from investors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Movement Mortgage LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Contacted Movement Mortgage, XXXX, AL on XXXX XXXX, 2015 because this company is on the Alabama Housing Authority Finance 's lenders list for the Step Up program. Consumer was led to believe that was qualified for this program and a government housing grant because my credit scores are on par. Consumer submitted documents to these clowns but, deliberately, not bank statements. Consumer has not been contacted all this time to confirm that documents had been received are any other confirmation. Today, consumer was contacted by branch manager doing a song and dance number to the fact that their company does offer this program but has put in place other criteria because defaults are high. The company is requiring a XXXX credit score and not the standard XXXX credit score this program requires. This company has wasted my time and energy by not stating upfront this additional criteria. This company is deceptive, to say the least. Consumers deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Applied Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My copay ( $ 50- {$60.00} ) is paid prior to seeing a physician. I paid the required copay at XXXX. A collections agency is reporting that no co pay was paid. These two accounts are reporting adversely on XXXX and XXXX Reports. XXXX does not report at all. I spoke with two reps with XXXX ( XXXX and XXXX ), and advised them that I have received a " PrintScreen '' proof of payment from XXXX and a copy of my bank statement. They refuse to receive fax and stated will not remove incorrect information from reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to XXXX who sold it oracle financial group that they are the ones with the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Purchased a Jumbo C.D. from CIT Bank XXXX/XXXX/XXXX. Acct number XXXX under name of XXXX XXXX. As I was preparing my XXXX Federal and State tax returns, I realized that bank never issued me a XXXX or XXXX form XXXX. I called CIT bank and was told by representative that no hard copies of XXXX 's were mailed out - the account holder was responsible for download form online. Bank representative told me that CIT Bank knowingly and willfully did not mail copies of XXXX -INT to customers. I now have to file amended XXXX State and Federal returns and incur additional fees from my accountant and pay interest penalty to Federal and State.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
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 have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? 
Please contact with them to be removed of my records ASAP. 
Thank you very much for this results of this matter. 
My Email is XXXXXXXXXXXX.

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 2017-02-08
Company: Access Financial LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX keeps calling for an employee at work. Employee is in XXXX - employee sister owes the debt

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 2017-03-14
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergent outsourcing is billing me for an incorrect agreement. When I try to contact them, whenever I give an agent my information then name I am always hung up on. They have not honored our agreement, the one time I was able to speak with someone which was months ago, they told me the issue was resolved, lie. I have done research and have now noticed that others have had similar issues with this company. I am doing my part and just filing my complaint as those before have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Resurgent Capital Services L.P.
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 is not mine

Complaint:
I received a collection letter from Resurgent Capital Services for a debt owed to XXXX XXXX XXXX. The charge off date was XXXX/XXXX/2003 for {$610.00}. Resurgent is demanding payment in the amount of {$1200.00} for XXXX. I sent RCS a letter explaining that I do not owe this amount due to the statute of limitations, and I believe I made payment on this debt at an earlier time. Their response, received on XXXX XXXX, was that they were still pursuing payment because the information I sent was insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Oracle Financial Group LLC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31
Company: Check City Partnership, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was receiving daily phone calls from Check City regarding setting up a repayment plan on a payday loan that I was not able to repay when it was due. They pressured me to promise to pay more than I could afford and I told them this, but they continued to use high -pressure tactics to make me agree with them which I would end up doing in order to get off the phone. XXXX agent even starting yelling to her co-workers " she 's lying, she is not going to pay '' while using these colelction techniques. 

Then they would call me every day afrerwords even though we had come to an agreement and we would have the same pressure conversations causing me emotional stress. If I did not answer my cell phone they would repeatedly call my job, EVEN AFTER I SPECIFICALLY TOLD THEM I HAD GOTTEN IN TROUBLE WITH THE HEAD OF SECURITY, and they would make the receptionist give me a hand written note. 

In addition to this, they repeatedly called my boss and left him messages regarding the debt and he spoke to me about it as they were bothering him at work as well. This caused a strain on my work environment and additional stress to me personally. 

They also called my mom repeatedly as well as my long-time friend regarding the debt. 

The interest rates they charge and the amounts they loan put you in a cycle where you are unable to pay them back, and they will not allow you to make reasonable payments. I am responsible for agreeing to the " quick money loan '', but was not prepared for the horrible experience that i was getting myself into. Check City, however, is perfectly aware what they do to people who are facing having their water shut or electricity shut off with a child in the house and not only do they prey upon them, they proceed to harass and belittle them and make sure your job, family, and friends are aware of your personal financial situation as well. 

Shame on them. Perhaps if they would lower their interest rates to 100 % instead of 400 % - 500 % they would get paid back more often and still make XXXX times the interest a credit card company makes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Nevada Credico, Inc.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
I have disputed accounts with XXXX XXXX XXXX club and Quantum Collections on numerous occasions and the account is still reporting fraudulently on my personal credit profile. This account does not belong to me as I was a victim of identity theft. The credit bureaus nor the creditor has been able to prove that this debt is mine or is owed to me. This is hindering me from moving forward with other financial obligations.

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 2015-11-30
Company: Law Offices of Robert J. Colclough, III
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 is not mine

Complaint:
A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: Concord Resolution Inc (Closed)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received no less than XXXX calls since XXXX XXXX from this company stating there is a matter they need to discuss with me. I have contacted an attorney as they recommended and they gave her no information as well. I would like this harrassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.

Company response to consumer: Closed with explanation