BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-20
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage is currently held by Freedom Mortgage. My wife and I are refinancing our home with XXXX XXXX XXXX XXXX ( XXXX ). Included in the payoff statement from XXXX Mortgage is an 'Accrued Interest ' of {$1100.00}, a 'Bill Fee ' of {$30.00}, and a 'Recording Fee ' of {$86.00}. I asked XXXX why these fees are on my payoff statement as I believe I should only have to pay off the principal of my loan. XXXX is already charging me a {$93.00} Recording Fee. My mortgage was originally financed my Directors Mortgage and my mortgage includes a statement I will pay no repayment fees for paying off the mortgage early. XXXX told me I would have to contact Freedom Mortgage myself for an explanation. 

I was able to deduce the 'Accrued Interest ' is the interest Freedom Mortgage is due up until my refinancing with XXXX takes effect. But I contacted Freedom Mortgage to explain the 'Bill Fee ' and 'Recording Fee '. I spoke with a woman named XXXX, employee number XXXX. It was a heated conversation. XXXX told me everyone pays these fees. I asked XXXX if I need the payoff statement to payoff my loan early with Freedom Mortgage, she said yes. I then asked her if there is anyway to get the statement without paying the {$30.00} fee. She refused to answer. I told her if there is no way to pay off the loan without paying these fees then they are pay off fees and thus not allowed. She refused to agree. I asked her what government agency I could file a complaint with. XXXX told me I could file a complaint with the XXXX. When I pointed out the XXXX is a private organization she said she did n't have to tell me what government agency I could file a complaint with. 

I believe Freedom Mortgage is charging me a payoff penalty and trying to mask it by calling it a 'Bill Fee ' and 'Recording Fee '.

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 2020-03-17
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
In XX/XX/XXXX I called Navy Federal Credit Union for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called Navy Federal Credit Union on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to navyfederal/pfi. I immediately submitted the application. I kept messing calls from Navy Federal during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that Navy Federal is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was in formed via letter from the mortgage company in XXXX that I no longer needed to pay PMI {$27.00}. I called the company XXXX as my statement did not reflect the new payment amount. I was told my new payment would be {$510.00} and it will take their system a couple of cycles to catch up. It 's XXXX and I 'm about to make my XXXX payment however my statement still does not reflect the new amount. I have been paying {$540.00} indicating on the payment stub that {$27.00} should be applied to the principle. I called the company today to inquiry and was told they were not applying the funds as I wanted. They were applying the funds to the escrow account because there would be a shortage. I was never notified of an escrow shortage in writing or when I called in XXXX. The company says they can not reverse the payments to the escrow account because of the shortage and I should be paying {$540.00} to cover it. Since I was not notified of the shortage I would like an escrow history. I would like the company to credit me the amount of money roughly {$27.00} a month for XXXX, XXXX and XXXX to the principle. I would like the company to correct any future statements with the correct payment amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Thunderbird Collection Specialists, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Debt collectors is TCS, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX. 
keep call and bother me all the time while i submitted the paperwork 's to show them that this issue wasn't my problem. They messed up billing paperwork 's. Please find an attached for proof that my insurance cover all of fee services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was totalled on XX/XX/2021. I received a letter from XXXX XXXX XXXX processing Dept stating that the remaining balance of my loan was paid. I received a letter from Credit Acceptance Corp dated XX/XX/2021 stating that there was still a balance but didn't state the remaining balance owed in the letter. I called Credit Acceptance Corp and was told that I still owe a payment of {$1200.00}. I checked my credit report and XXXX XXXX is still reporting a balance of over {$3200.00}. 

According to the letter from XXXX XXXX XXXX, this loan is paid in full. They covered the remaining balance after the primary insurance pay out

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 2016-10-02
Company: First National Collection Bureau, Inc.
State: CA
Product: Credit card
Issue: Other

Complaint:
Received demand for payment of " delinquent '' account that was assigned to First National Collection Bureau, In., from its client XXXX, with the alleged original creditor named as XXXX This debt is barred by the California Statute of Limitations of four ( 4 ) years and the creditor is seeking to collect on an invalid debt. This action constitutes a violation of state and federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Dyck-O'Neal, Inc.
State: OR
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:
Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with XXXX XXXX. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from Dyck O'Neal regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage from Amerisave XX/XX/2012 and paid their fees to secure the rate and term. I was baited and switched and never received the loan. This was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
ACE Cash Express has repeatedly made threatening and harassing phone calls to me, my family and my former employer claiming that they are suing meet in court if I do n't pay back an alleged debt of " XXXX within 24 hrs of this notice. '' I will be attaching XXXX such email that was sent to me on XXXX XXXX which claims they will be suing in court for " {$6300.00} plus legal fees '' if I do n't comply within XXXX hrs. While I have borrowed from ACE a few times in the distant past ( the last date I remember being in 2012 ), they have always electronically removed my principal and fees from my bank via ACH on the due date automatically. To my knowledge, I do n't owe them any current or past due debt. In the past when I have borrowed from them I have only ever borrowed a maximum of {$300.00}, which is the maximum amount a payday loan company can lend legally in XXXX so it would be legally prohibited for them to lend me an amount that would make my debt the alleged {$540.00} even if I had wanted them to. Furthermore, my understanding of XXXX law is that even in cases of an agreement made " in bad faith, '' the maximum amount that can be sued for in civil court is " treble damages '', which would clearly be substantially less than the " {$6300.00} plus legal fees '' that they are threatening me with. In the past week or so, I have received concerned phone calls from my mother in XXXX, My father XXXX and my supervisor from my former employer XXXX because they each received phone messages from what they were led to believe was a government agency or lawyer threatening legal action and criminal charges against me regarding this alleged debt. In each case the phone message received included a " docket number '', and my parents and former supervisor were genuinely concerned that I was in some sort of serious legal trouble. A " docket number '' and " case number '' are also included in the threatening email from them that I am submitting to you. The email also claims that they are forwarding a copy of their claim to my employer " to make sure they take swift actions '' against me and threatening that " your salary and all your wages ( will be ) confiscated. '' These are clearly illegal collection practices that violate my consumer rights. This is not the first time I have had such threatening emails or phone calls made to me, members of my family, or even my employer, but it is the most recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I had a medical procedure completed at XXXX XXXX in XXXX, IL ( part of XXXX and recently acquired by XXXX XXXX ). At the time I had the procedure done, I thought I had insurance. Since I had not received a bill from the hospital, I did not know there was anything still outstanding. 

In XX/XX/XXXX ( over 2 years later ), XXXX sent me a bill for the first time stating that XXXX XXXX XXXX XXXX ( XXXX ) had paid the bill, then took the money back on XX/XX/XXXX. 

I immediately called XXXX and filled a hardship application, which was approved for 100 % financial assistance on XX/XX/XXXX. 

I also filed a complaint with the Illinois Department of Insurance ( IDOI ) against XXXX. My claim against XXXX was reviewed, and they repaid the insurance portion on XX/XX/XXXX. 

I immediately contacted XXXX XXXX to inform them that my efforts had resulted in them recouping the {$4400.00} back from XXXX. XXXX XXXX acknowledged that they received the XXXX payment. 

On XX/XX/XXXX, XXXX XXXX issued me an invoice for the 20 % co-pay that XXXX did not cover {$240.00}, even though the entire amount of {$4700.00} had previously been written off. 

On XX/XX/XXXX, I received a collection notice from Nationwide Credit and Collections for the same {$240.00} - even though I have a written letter from XXXX XXXX stating that I owed nothing. The financial assistance letter states it is good for XXXX months, so clearly it is still in force. In addition, my account was sent to collections apparently the same day I was sent the invoice ; and I was never even given an opportunity to resolve the issue with XXXX XXXX before they sent my account to collections. 

Also on XX/XX/XXXX I attempted to contact a manager at XXXX XXXX / XXXX XXXX, because clearly there is a procedural problem with their billing department. When I called the billing number XXXX, I was told that I could not have that information. I have tried searching online for the information and there is no clear way to contact anyone at the executive level to bring this to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 I called XXXX ( the local gas company ) to settle an account I had with them that they sold to a collection agency in the amount of {$280.00}. I paid XXXX in full. I asked the rep what should I do to get the collection account removed from my credit report since I paid the ORIGINAL CREDITOR and she told me to call the collection agency and let them know that I paid them and it was no longer a valid debt for them to attempt to collect on so they could remove the collection account from my credit reports. When I called Penn Credit Corp to let them know what the rep from XXXX said, they told me they could only update is as paid in full. I NEVER paid Penn Credit Corporation and I am fully aware that under the FCRA AND FDCPA that my rights as a consumer have been violated. Them reporting that I paid them in full for the collection account is reporting inaccurate information because I NEVER paid them any money at all nor will they have any record of the payment in their payment processor. I am requesting that this inaccurately reporting collection account be completely removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in review with Rushmore for over 1 year trying to get my mortgage modified. We are currently assigned to XXXX XXXX, who has been nothing but combative and rude throughout the entire process. I am asking for our representative to be changed immediately, as she is nothing but degrading and very snide to my advisors as well. She has done nothing to help us but only harm the process. As I have stated, we have been in review for almost 1 year. We even told Rushmore that we have {$10000.00} to put toward a down payment on a modification, still they drag their feet. We have sent the same documents over and over. I think it 's because they just do n't like us and are trying to stall to sell our house. What happened most recently was that they put a sale date on our house for XXXX/XXXX/XXXX even though we are still in a Chapter XXXX bankruptcy that is not discharged. Not knowing the laws and not knowing we are still protected. My huband filed a Chapter XXXX in his own name on XXXX, a day before the sale, which was upheld by the Bankruptcy court as valid. Just last week, XXXX, Rushmore 's attorney, XXXX, tried to file something to overturn our bankruptcy based on a document he filed in XXXX. The bankruptcy judge overturned his filing ( attached ) and said there will be a hearing on XXXX/XXXX/XXXX to give us time to respond. I am currently talking to my atttorney to file a response to let the court know how hard we have been fighting Rushmore to keep our house. We have been assigned to people who refuse to help us. The letter from the bankruptcy judge who overturned XXXX 's filing has been on file and emailed to all involved ( Rushmore and XXXX ) on XXXX. It is now XXXX and Rushmore states that there are no new developments and they have to wait for instruction from XXXX 's office. Every day they wait is a day closer to me losing my home. They have this letter in their possession and they are still not trying to move forward. My advocate XXXX has called XXXX, who now conveniently does n't answer the phone, as well as her supervisor XXXX, who has not called him or us back for now another 2 days. I have been on the line as XXXX has left messages. I need help moving this forward, nobody at Rushmore has helped in the slightest, all they have done is talk down to us, ignore us, and ask for the same documents over and over. I further give my permission to talk to XXXX XXXX and/or XXXX XXXX at XXXX XXXX, they are working hard on my behalf but have also just been disregarded by Rushmore. I am also putting my authorization in writing ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hey my name is XXXX XXXX, I just found out that I have an student loan in my name.I have n't even finish high school to get in college but I see you have to have an high school diploma to get in college.I went to XXXX XXXX High School in XXXX in XXXX but I droped out in XXXX.I let someone do my taxes one year and this is where it gotten me.Conserve took my income taxes from something I didnt knw anything about.My mothers name is XXXX XXXX XXXX /XXXX.I never stayed at XXXX XXXX my mother never stayed at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: First National Collection Bureau, Inc.
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 THESE XXXX STATEMENTS, I DO N'T OWE ANY OF THESE, NEVER BOUGHT ANY XXXX PRODUCTS, I CONTACTED THEM AND THEY DO N'T FIND ANY OF THOSE ACCAUNTS, THIS COULD BE AN SCAM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation