BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-07
Company: The CMI Group, Inc.
State: TN
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:
On XXXX/XXXX/15 I contacted XXXX to ask about getting my services lowered because my " special '' was running out in XXXX 2015. XXXX was unable to get the service lowered to my previous bill amount. I discussed with the agent and was told that my billing cycle ended XXXX/XXXX/2015. I paid my bill in full through XXXX/XXXX/2015 and advised that I would like to have my services disconnect on XXXX/XXXX/2015. The agent was very nice and advised that on XXXX/XXXX/15 I would no longer have XXXX service. They also advised that I could take all of my equipment to local XXXX store to mail back at no charge. 

On XXXX/XXXX/2015 I came home from work and my services were turned off, just as I discussed. On XXXX/XXXX/2015 I took all the equipment to the UPS store ( attached receipt from XXXX store and attached email confirmation from XXXX ) and mail back to XXXX. This completed my business with XXXX. 

On XXXX/XXXX/2015 I received the attached bill from XXXX stating that I had a outstanding balance of {$190.00}. I called the customer service number ( XXXX ) to see dispute the charges on my account. The customer service agent advise the charges were for XX/XX/XXXX. When I advised that I disconnect my services on XXXX/XXXX/2015, she then advised she would have to transfer me to someone else. The XXXX agent advise me that the charges were for XX/XX/2015. I advised that I paid my bill in full when I called on XXXX/XXXX/2015 to disconnect my service on XXXX/XXXX/2015. The agent then advised me that they could see where I called in on XXXX/XXXX/15 and paid my bill, but the agent at the time should not have told me that I paid in full. I continued to dispute the charges. The agent transferred me again. The XXXX agent advised me that XXXX had since gotten a new billing system and that some of statements were incorrect and that it looked like I had been billed twice for what I had paid on XXXX/XXXX/2015. They then transferred me again so that someone could clear the charges. The XXXX agent advised me that I owed the {$190.00} and they could not clear it. I continued to dispute the charges. The agent advised that my account was still active, when I ask how and explained that I did n't even have any equipment she said they never received my equipment back in the mail. I gave her my reference number from the XXXX store and she could not find it. I waited on hold for a " supervisor '' to speak with. The supervisor was very rude and explained to me that I just needed to pay the bill or get turned over to their collection agency and have a bad mark on my credit. I currently have a XXXX credit score and take pride in paying my bills on time. I do not appreciate being threatened. After XXXX min with nothing resolved I hung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: JH Portfolio Debt Equities, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was through XXXX. The retailer closed my account, and changed who they have do their credit. The account was paid in full before they switched companies. I have a discrepancy on my credit report. I tried calling the debt collector, and they have no account matching my name. The name of the debt collector in JH Port Debt for {$400.00}.

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 2015-06-03
Company: The CMI Group, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a charged off debt that has been sent to Bonneville Collections. Due to some discrepancies between what the agent said, and what I saw on my credit report, I requested a call back to be scheduled for next week so I would have time to investigate the debt with the original creditor. The agent from Bonneville Collections warned that they would not schedule a call back, but rather that I would need to call back in myself because the account was going to be sent to their legal department today or tomorrow due to the length that they have had the account, and so calling back in a week would be too late to do anything. This threat of legal action infringes on my rights. Additionally, the agent would not give detailed information regarding the debt beyond the name of the original creditor and the total balance. 

In summary : My net impression of the conversation with Bonneville Collections was that I had an outstanding debt which was sold to them. They wanted a payment plan to be set at the time of the call. or else it was going to be sent to their legal department either the day of the call, or the day after, with no time alloted to investigate the debt discrepancies. They are threatening legal action on a debt I disagree with due to details on my credit report and would not provide information on their end to help me to verify the debt. I refuse to blindly pay a debt after discussing vague details on XXXX phone call, and certainly do not wish to have legal action threatened to manipulate me into doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This is the most unprofessional unreliable non-trustworthy Mortgage Company I have ever had the displeasure of dealing with under any circumstances. ( 1 ) My loan was sold to Shellpoint, and I asked to change my due date so I could pay on my pay week and they flatly refused, which causing me to have to pay late monthly. 
( 2 ) I checked my payment history with a representative and was told all my payments were up to date in XXXX. Two weeks later I was told I owed for a missed payment back in XXXX. I did not recollect it, and was told everything was up to date. The representative told me he would review it since he told me the wrong information. a Month went by and I decided to pay the present and past month, although no one contacted me. 6 weeks later I was told I owed an additional month. I paid it and then found out your company turned in payments as being late to the credit bureau x 2 months while they were so called reviewing it. I would like to request that this data be removed from my credit account. The other problems are that every time I speak to someone in customer service, They give me the wrong information. These people are rude at times, hang up on the patron regularly and straight out either lie or are unknowledgeable regarding their jobs, which cause problems for the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today I was Contacted by XXXX from credit control at XXXX on XXXX/XXXX/15 for the purpose of a debt collection. She Previously called on XXXX/XXXX/15 XXXX and was unable to provide information substantiating a debt she was attempting to collect from XXXX XXXX When we first spoke I informed her that There exsist the possibility that I may be a victim of identity theft. To day when she called I informed I would not provide her with any verification information and to no longer contact me in regards to the matter or I would be forced to contact your agency and execute my rights under the law. I was very adamant and calm when I informed her of my wishes. XXXX informed me that the calls would continue despite my strict instructions that I do not want her to call my residence any more. To paraphrase her words, " it might not be me who calls but someone will call you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan went into default with XXXX XXXX XXXX for almost a year. I was working with XXXX to get a loan modification however after XXXX unsuccessful attempts to resubmit the same documents, we finally just gave up. It was causing undue hardship and mental stress to continue to provide documents again and again only to be stalled in the process. It 's very clear that XXXX was using stall tactics so that they would not have to move forward with the loan medication. In early 2015, I received a letter from XXXX that the loan was sold to BSI financial services. I contacted BSI who advised that they own the loan. I explained to them that I was continuing to receive foreclosure documents from the courts. BSI further explained that they now own the loan and will allow me to short sale my home. I advised BSI that I 'm not going to submit documents again XXXX times only to be stalled once again. BSI assured me that I did n't need to fill out any paperwork and instead they would connect me with XXXX of their preferred realtors to look at the home for potential short sale. Also, I would like to add that BSI advised that if the home did not sell within 60-90 days that they would accept a deed in lieu of foreclosure. They also advised that they would not hold me responsible for the difference whether its a deed or short sale. The realtor and BSI approved the short sale for XXXX and house was listed. Approximately 30-45 days later I received mail that a foreclosure judgment had been granted by the local courts. I contacted my realtor who advised that she would contact BSI to see if we could appeal to additional time to short sale the house. I never heard from her again. This week I received mail from the courts that BSI bought my home for XXXX. In essence, they sold the loan to themselves so that they can resell at a higher value. This is both unethical and fraudulent. They lied to me throughout the whole process and I seriously question if the realtor was in on it from the very beginning and has received some sort of kick-back for assessing the home 's value for them from the start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Servis One, Inc., Titusville, PA Branch
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Working a short sale for XXXX of our clients. File was submitted to the jr. lien holder on XXXX. On XXXX we received XXXX lien approval in which the approval letter expires on XXXX. There has been no contact to the law firm from BSI except for a couple of occasions. On XXXX BSI was informed that the XXXX lien approval letter expires on XXXX. On XXXX BSI was contacted for an update - no updates were made to the file. On XXXX was advised that the file was submitted to the investor for approval and to allow 10 business days for the approval letter to be received. As of today XXXX we still have had no contact from BSI to the approval and not approval letter has been received. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage with BSI Financial. Numerous times I have requested a loan modification. Several times I was in foreclosure and borrowed money to bring my loan current. Now I am in foreclosure again. I was forced to file a Bankruptcy last time in order to keep my house. Numerous times I send the qualify written request and no replies. My accounted has called the BSI everyday for the last week requesting a payoff statement. No payoff statement yet. Every time my accounted calls they inform him to leave a message for a person named XXXX XXXX who never once returned a phone call and or even replies to emails send from customer service. All I can say they are the worst servicing company. They are going to cost me my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Servis One, Inc., Titusville, PA Branch
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSI Financial Services took over a loan I had with XXXX. The problem is very poor and inaccurate service on the loan. No return phone calls or information provided on the loan. Miss paid Escrow and other issues. Lack of staff to help customers. This is a collections business with only one goal. I am not that individual this type of service is not acceptable to me or millions of individuals with good credit and payment history.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The following is our original submitted complaint from XX/XX/XXXX/XX/XX/2015 : My wife enrolled our children into a XXXX program XX/XX/XXXX. She stated she 'd pay by credit card to which they responded that they had an auto debit program. The agent produced a pre filled out form and my wife signed it in trust that it was to authorize an auto debit from our card. When we decided to pull or kids from the program we were advised we had entered into no less than a 12 month contract followed by a 30 day mandatory cancellation period when she signed the debit form. Trusting the company agent my wife never read the details because he was n't transparent to advise her the form was a contract. Now we 're receiving harassing phone calls from a third party company to which said document was produced by. I called the martial arts agent to discuss this situation to which he quickly washed his hands of by responding my dispute is with them and no longer with him. The third party billing company has stated to us that they will not stop calling us until we satisfy the amount due. This is a very dirty business practice being performed by what is considered by many to be an honorable and legendary form of self defense training which is posted throughout their facility. The third party collection institution also needs to be questioned about these non transparent business practices especially after I read the complains against them on the XXXX website. They go by XXXX aka XXXX XXXX A simple martial arts training for young children should 've never turned into this infuriating situation. 

XXXX aka XXXX claimed they were no longer pursuing the matter as communicated through the XXXX of XXXX XXXX / XXXX XXXX on XX/XX/2015. Now we 're receiving a notice of debt collection regarding the so called dropped case from First Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Phone : XXXX. 

I am not familiar with debt collection since I 've never defaulted on credit and feel very threatened as well as helpless in regards to a matter that we were drawn into with the use of deceptive business practices by the original biller ; XXXX XXXX Branch, XXXX We contacted XXXX yesterday and they stated they are no longer pursuing the matter as well but yet we 're still being harassed now by a forth party. Any assistance in this matter would be greatly appreciated. 

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 2016-09-13
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Retrieval master keeps calling me and I do n't have any credit cards or debt but they say I do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: General Motors Financial Company, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account belonged to my ex and was closed XX/XX/2015. Should have been removed by now. I tried to dispute this but it just made my credit report worse. I need to remove this asap. I was told under the Fair credit report act I can get this removed to help my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in 2014 I went in for a free consultation for XXXX through a company called XXXX. After deciding not to have any treatments done whatsoever, I was sent a bill with my name that had a line of credit for {$2000.00}. I then started receiving bills to pay off the balance that I did not owe in the first place. About three months later the company went black nationwide, just overnight the company vanished and every facility was vacant. Since then my account through XXXX was sent to a collections agency XXXX. I have sent XXXX XXXX XXXX XXXX XXXX after XXXX, sending a handful of letters and complaints through them to XXXX, but the only thing that has changed on my credit report is it states CBG ( Closed by grantor ), unfortunately this does n't mean that it has been wiped clean from my record at all. I need this fraud of a company removed from my credit report once and for all because it is causing a lifetime of damage from applying for a small loan or credit card, to renting an apartment or car.

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 2016-01-27
Company: Harpeth Financial Services, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened a payday loan with advance financial they immediately told me that because I took out a payday loan that I qualified for an installment loan also I ended up taking out the installment loan also. I may have made one payment on the installment loan before they told me they no longer offer payday loans or installment loans. They said I had to switch both loans to their new flex loan. Right after doing this I started asking a lot of questions which no one could answer. I spoke with a district manager who also could not explain how the loan works. This loan put me in a financial down hill spiral because they kept offering more money which I accepted but ca n't afford to repay at their interest rate. I asked them for a printout of my payment history which they stated they could not give it to me. After doing some research and talking to a financial counselor I realized they used the bait and switch tactic on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: First Data Corporation
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
TeleCheck doing business as TRS RECOVERY SERVICES, INC attempted to collect money for the following fraudulent charges. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$25.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$50.00}. 

I am disputing fraudulent charges using my name for checks written from XXXX in the amount of {$33.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX XXXX, 2014 Reference Number XXXX for a total of {$58.00}. 

I am disputing fraudulent charges using my name, for checks written from XXXX in the amount of {$23.00} and a return check fee of {$25.00} to XXXX XXXX dated XXXX, 2014 Reference Number XXXX for a total of {$48.00}. 

I called XXXX the bank where the the checks would have been issued from and there was no record of a checking account in my name.

Company response to consumer: Closed with explanation