BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a call from the home retention coordinator for Rushmore Loan Management Co. on XXXX/XXXX/2016. She called to inform me that Rushmore had declined to accept the offer for a short sale on my property which is scheduled for foreclosure on XXXX/XXXX/2016. This was the second offer on the property that she declined. She said the XXXX offer was too low and gave my realtor, the figure that the 'investors ' would accept. A XXXX offer for the amount that she stated was acceptable was then submitted, and after reviewing the XXXX offer, the home retention coordinator contacted me via phone to inform me that the offer was rejected and the company would proceed with the foreclosure ( which is scheduled in 9 days ). She then offered, for the second time a deed in lieu, which she advised me to accept. This was the second time she had offered me the option of a deed in lieu. The time the offer was made was on XXXX XXXX via a letter sent to my home which was delivered by XXXX. The original offer for the deed in lieu included a {$3500.00} relocation clause. At that time, I told her that I had a short sale buyer for the house. The home retention coordinator proceeded to order an appraisal. In the meantime, my realtor submitted the sales contract to the home retention coordinator. She declined the initial offer stating that the appraisal came in above the short sale offer. After speaking with the home retention coordinator about the original offer, the realtor went back to the buyer and informed them that the offer was not accepted and the buyer resubmitted an offer for the appraisal amount that XXXX XXXX requested. When the home retention coordinator phoned me today ( XXXX/XXXX/2016 ) to state that the second offer had been rejected, I asked her why and she said because " the investor just does n't want to accept the offer. '' She then offered me the option of the deed in lieu for the second time, but this time, the offer was reduced by {$500.00}. When I asked her why the original offer was reduced -- especially after I made a good faith effort to sell the house, she said because I had run out of time and since the foreclosure was in 9 days, {$500.00} dollars of the initial DIL offer had been taken off the table. This conversation upset me and I told her as much and she proceeded to speak to me in a patronizing and belittling tone and said that I could either accept the offer or the house would go into foreclosure and that she would not talk to me about the matter any further. I felt that the home retention coordinator was threatening me and bullying me into taking a deal that might not be in my best interest and treating me as though I had no recourse except to accept her unprofessional treatment and tone towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Thaxton Investment Corporation
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I fell behind paying a loan. Called and informed them of the reason. Directly after this, I received phone calls and voicemails repeatedly, on my cell and a work. Also correspondences mailed to my job, placed on my door where I live. Even after I asked them not to do this all my request have been ignored. I also informed them they were harassing me and was against the law, they continue. I 'm stressed enough and also under bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-03
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2016-05-13
Company: Dyck-O'Neal, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In the process of closing on a Short Sale, our attorney informed us that XXXX required us to sign a Promissory Note or the Short Sale would not be approved ; basically extortion. We had no choice but to comply. However, the Promissory Note we signed was for payment to someone called Dyck O'Neil, a company in Texas. The Note was very poorly constructed and look like a scam to us. In checking the company 's website, there is no indication they are affiliated with XXXX ; a very poorly constructed website. We requested that the company invoice us for the payments and also asked that they provide XXXX documentation that shows the money is indeed going to XXXX. They refused. We have no way of knowing if the Note is legitimate and wo n't pay on it until we do. Of course, Dyck O'Neil is now reporting missed payments to the credit bureaus. Is this form of extortion truly legitimized by 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 2016-01-30
Company: United Student Aid (USA) Funds
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called XXXX XXXX XXXX this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and XXXX XXXX XXXX think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
I owe Oportun for a loan. I was in an accident at work and lost my job. Right now I 'm temporary XXXX and not making any money. I 've told them this several time and they keep calling me and harassing me, and not only me, my friend have gotten several calls from them. That 's what makes me mad the worse. Please help me stop them calling me until I get a job back and be able to pay themy off. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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:
Claiming i owe {$1500.00} for a {$250.00} payday loan from ace cash express, When i asked for proof of debt, they told me they did not have to provide that information, when i asked them their address, business phone, company 's legal name, permit number or anything proving who they were or what debt i was owed, they told me they did not have to provide that information and that i wold go to jail for fraud if i did not give them {$500.00} over the phone. I asked again for proof of debt ad was told no to just send money or i was going to jail. They have called me and told me they are lawyers and part of an arbitration team, today i was called and told they were from my XXXX office, when i called my XXXX office, instead of the XXXX number they left me, they had never heard of the people involved. So far other than XXXX phone message, where they left an XXXX number i have not been able to get any information i requested about this debt. THey have asked me for my address which i did not give, if they had my file they should have that information, and a payment. i have googled the XXXX number XXXX, and XXXX and they both show up as scammer numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Gitsit Solutions, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX XXXX XXXX XXXX filed a foreclosure complaint ... my mortgage and note that was duly executed by the original holder of the note, ( XXXX Mortgage ) Mortgage Document No. Recorded # XXXX in the XXXX XXXX recorder of deeds. later in the case XXXX f/k/a XXXX XXXX XXXX assigned it to XXXX XXXX XXXX, XXXX without notifying me and my husband. The loan is a XXXX. loan. they did not have a face to face meeting before filing the foreclosure complaint which is in violation of Federal Regulations governing its mortgage law pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX ( d ) and which are set forth in XXXX XXXX XXXX my FHA loan number is XXXX XXXX now they which/ assigned it to KONDAUR CAPITAL CORP. who says they do n't have to do/or give any modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX at XXXX I contacted J & L Teamworks regarding my credit report. I spoke with XXXX. I told her I had XXXX accounts on my credit report from them with a XXXX balance appearing on XXXX but balances owed on XXXX and XXXX. She said she would give it to her supervisor for resolution yet here we are XX/XX/XXXX with no resolution. On this call she also said I had an open balance with them for {$130.00} from our local hospital XXXX XXXX. I immediately looked at my bank account and I had paid XXXX and possessed the cancelled check. In addition, I phoned XXXX 's accounts receivable department and they confirmed there was not outstanding balance. Again, she said she would tell the supervisor and get back to me. I have now received another collection letter from J & L Teamworks for the same {$130.00}. I just phone dJ & L and spoke with a XXXX. He said the {$130.00} is still due. I explained the above information and said he would look into it, that no one by the name of XXXX has ever worked there, then he proceeded to advise me there was over {$3000.00} of additional invoices due dating back to XX/XX/XXXX all under my wife 's name. I told him that was incorrect also. I asked him to email me the invoices and he refused. 
I have dealt with J & L Teamworks over the years as our local hospital XXXX sends all of their collections to them right at the 30 days due mark. J & L Teamworks using harassing tactics and bullies their debtors as well as never following through on what they say they will do, as exemplified above. They are very fast to report inaccurate information on a debtors credit bureau as a leverage tactic, but never seem to get around to fixing the incorrect reporting. This company needs to be fined and put out of business. 
Finally, they broke the HIPA laws by reviewing these " so called '' outstanding bills with me, when the account is under my wife, XXXX XXXX 's name. 
I respectfully request that the CFPB contact them, get these items removed from my credit bureau as I was promised and provide a full and detailed list of these supposed past due bills amounting to {$3000.00} from XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Case XXXX is now 30 days old. I have recieved no correspondence at all from Equifax since the last response here. 

Equifax stated they would contact me with investigation results within 30 days. They have not. This is a violation and non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been affected by the downturn in the economy since the market crashed XX/XX/2008. I have been on and off public assistance and unemployment, whilst seeking work in my field. I fell behind taking care of my Perkins loan, although I tried to get it out of collections, I let it slide, and it transferred from agency. I am finally in the process of getting my life back on track with a contract position. I was incensed, however when I received a call from " Conserve '' at my job today. They were very hostile and aggressive. I asked them who they were and for an email or web site, and they would not cooperate. They embarrassed me whilst I was trying to work to pay my bills, and debt that capitalizes daily. I have enough stress in my life trying to pay for food and a roof over my head, and I do not need to have my place of work interrupted with rude debt collectors. Why ca n't I roll this perkins debt into one of my consolidations? Why must I be harassed, while I am trying to keep my employment? I have enough anxiety trying to perform well at work, I do n't need to worry about losing my job because a debt collector is calling. People are cut throat enough, I do n't need this XXXX. XXXX, I ca n't deal with this. Their number is XXXX. I am not giving out my personal information to a stranger, who would n't even be forthright with whom they were. I am already on income based repayment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: First National Collection Bureau, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a letter from First National Collection Bureau stating that I owe them {$4200.00} for a XXXX XXXX credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from XXXX.This was XX/XX/XXXX. Even if this is mine from XXXX it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by XXXX XXXX, So with that said I believe this is a violation of the FCRA or at the least a violation of XXXX State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an XXXX resident the company must be registered and licensed by the state of XXXX, which this company does not posses, Therefore First National Collection Bureau is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of XXXX.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County XXXX. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of XXXX AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is being submitted by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX and XXXX XXXX. This complaint pertains to Rushmore 's violation of the CFPB 's loss mitigation procedures. 
On XXXX XXXX, 2015, XXXX faxed a complete Request for Mortgage Assistance ( RMA ) to Rushmore 's Home Retention Department on behalf of XXXX and XXXX XXXX. ( Exhibit A ). Pursuant to Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), a servicer must " Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. '' XXXX ( B ). 
To this date, XXXX XXXX, 2015, Rushmore has not acknowledged receipt of the XXXX ' application. It has been nine days since XXXX sent Rushmore the package ; thus, Rushmore is in violation of Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Recovery In Account # XXXX, has violated my rights.

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Southwest Credit Systems, L.P.
State: CA
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 originally signed up for XXXX service on XXXX/XXXX/2015. The service never worked properly and I cancelled my service and returned all the equipment ( I have a receipt for the return of the equipment ) before XXXX XXXX, 2015. Their service never worked properly, and the cancellation falls under XXXX 's publicly advertised " 30-day guarantee, '' as stated below : '' We will give you a 30-day, money-back guarantee. 
If you 're not satisfied with our TV, Internet, Voice or Home services and wish to cancel for any reason, you can do so in the first 30 days and get your money back. Simply return all equipment in good working order and we 'll refund the monthly recurring fee for your first 30 days of service, any charges you paid for standard installation and any Home Secure and Control equipment purchased. -XXXX website '' I have called XXXX on XXXX separate occasions in order to resolve this issue. Being XXXX, I recorded the phone conversation, and have retained a copy of the recording. I have copies of all other correspondence with XXXX. 

Now they have sent my account to collections with Southwest Credit XXXX XXXX. Since contacting them repeatedly seems to have no effect, I am submitting a formal complaint to CFPB today.

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
Consumer complaint received 2022-10-18
Company: GOLDMAN SACHS BANK USA
State: FL
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:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Thaxton Investment Corporation
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I got behind on my bills and I could not pay my loan ... .And the local local company calls me everyday harrasing me I have told them over XXXX times to quit calling ... every time I get my cellphone number changed they get it without me giving it to them after the harassment ... I 've had my cell phone number changed XXXX times because of the same person ... I honestly truthfully feel after verbally fighting with them between XXXX and XXXX times and paying to have my number changed XXXX times I am being stalked and harassed ... I am XXXX and should not have to be treated like this.The name of the Company is Coventon Credit In XXXX AlabamaAlabama There phone number is XXXX.

Company response to consumer: Closed with explanation