BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-25
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Services has been using unfair accounting practices to charge usurious fees, and also to claim I am 60 days late. I have spent days on the phone, much of it on hold for hours and hours, often getting hung up on after investing half a day, and each new person I speak with can not tell me directly the status of my account. Even their employees ca n't make sense of their internal ledger. When interest rates change, and my monthly payments is updated, I am not notified. Months pass and my automatic payments continue diligently, until one day I receive a notice to foreclose on my home. Shocked, I call them and, eventually discover I have a new payment amount, arrive at an agreement of what I actually owe, and make an additional payment to cover the differences and fees to become current. Many months later, as this has happened on several occasions, their accounting somehow shows something completely different. 
I am told that I missed payments. I have bank verification proving that I did not, but they insist, because of their bizarre accounting, that I am wrong! 
I am getting nowhere and I am beyond frustrated. It would not surprise me to learn that some of their methods are illegal. The hour minimum " hold '' times, rude representatives, muddy accounting, and the mysterious disconnects are very discouraging. By discouraging frustrated customers who are trying to resolve a problem, more fees will be generated - meaning more income for SLS.

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 2016-05-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My HOA covers the structure insurance, I do n't need to purchase further insurance. 
SLS asked for insurance, I sent, repeatedly, spoke to them on the phone, they kept sending notices that they were going to force place insurance, and I would respond and give them my insurance. They force placed the insurance, I FINALLY got them to UNDERSTAND, that I HAD the insurance. They said they would remove the insurance. They send me a refund check of approximately {$700.00}. This month my mortgage payment went up {$280.00} for additional escrow charges ( CHARGED MIND YOU, THAT I SHOULD N'T HAVE ). The only thing they said I could do is send a written dispute, but I have to pay the inflated amount otherwise my mortgage payment would n't posit. My taxes have not increased, my PITI payment had been and should be XXXX. This month they are demanding {$1500.00} and I 'm told next month will be {$1300.00}. I should n't have changing payments because my taxes have not changed, and they do not do my insurance, my HOA does.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXXXXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2020-06-09
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During the month of XX/XX/XXXX, I reached out to LVNV Funding regarding an outstanding debt in the amount of {$660.00}. The original creditor : XXXX XXXX  sold this debt to LVNC. LVNV informed me the debt was now being managed by XXXX XXXX   XXXX on behalf of LVNV. Once paid, XXXX XXXX  XXXX would process the payment, then contact LVNV to update the credit agencies to remove the negative item from my report. 

We negotiated an amount of {$370.00} to be paid no later than XX/XX/XXXX, please review the letter from XXXX XXXX XXXX attached, dated XX/XX/XXXX. I made the payment online at XXXX on XX/XX/XXXX for {$370.00}. After several denied disputes with XXXX, I continued to contact both LVNV and XXXX who stated a payment was never made. Attached is the receipt and a copy of my bank statement showing a debit in the amount of {$370.00} processed on XX/XX/XXXX and the payment confirmation dated XX/XX/XXXX. 

Just recently, I received a letter from Resurgent Capital services stating they were now managing the account for LVNV Funding LLC. Please see the attached letter. 
Again, I am requesting a letter showing I have paid per the agreement and this information be updated with the credit agencies as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I entered a consumer credit transaction on XX/XX/2021 with care credit synchrony bank. They directed me to a site to verify my identity I completed and the rep on phone told me I was denied for insufficient credit history.They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction.

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 2022-05-13
Company: USCB, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a member of XXXX XXXX and received a bill for {$20.00} from a collection agency. I followed up and found out that the debt was for my grandson who is on my policy. He did not pay his copay and so it was attached to my account. Not of the reasons listed applied so I used the closest I could find. The mgr was rude and wanted to tell me how this situation was going to go. So yes, I found it threatening. 

When I called to tell the collection agency and XXXX that they should correctly report that it was because I was responsible for my grandson and not myself. 

These type of errors harm everyone especially myself who was unaware of the debt and was unable to rectify it directly with XXXX and USCB America staff needs training on debt collection. When I tried to pay the {$42.00} I had to give them way too much information. As a result, this debt was not paid because the manager would not take my debit card without me giving him my name, social, etc. I do not want this to AFFECT MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THERE WERE INQUIRES ON MY CREDIT REPORT THAT I WAS NOTIFED BY MYFICO ALERT THAT I DIDNOT AUTHORIZE- I SPOKE TO THE BANKS AND THEY STOPPED THEM AS WELL AS MARKED THEM AS FRAUD- EQUIFAZ HAS NOT REMOVED THE INQUIRERS EVEN THOUGH THEY WERE NOT MINE AND WERE FRAUDENLENT-

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Recovery Agency reported a collection account on XXXX which they said occurred 5 years agofrom XXXX XXXX XXXX, a XXXX company. I sent XXXX XXXX XXXX emails regarding this and had no response. I called them and was told that they have no record of this transaction. I have never done business with XXXX XXXX XXXX. 
I spoke with XXXX XXXX at National Recovery and had no resolution even after I emailed them a request.

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 with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by XXXX Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that needs to remove : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

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 2019-07-23
Company: Halsted Financial Services, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
calling and harrassing me. contacting my employer saying they will come to my work to collect a debt. keeps calling my phone leaving messages. just want them to stop cause my work will not accept calls from them or let them on the premises thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX I was looking to do a balance transfer on a high interest credit card I had. I wanted to see what terms I would be given for the Chase Slate card so I went through the application process and wanted to compare the terms I was approved for to those of a loan from my bank. To my great surprise the account was opened without my authorization with terms that I did not find ideal. I called Chase and explained what happened. The representative said she would close the account. I specified that I did n't want the account closed since that would affect my credit. She acknowledged that and instead said she would cancel the card as if it was never opened. A month later, I checked my credit report and saw that my score dropped XXXX points because the account was, in fact, opened and then closed after XXXX day. I called Chase today, XX/XX/2017, to explain this situation. At this point I was simply trying to reopen the account so that it did n't show up on my report as an account that was open for 1 day, an attempt at undoing some of the damage that Chase did. After being escalated to managers twice and speaking with XXXX different people, I was told that Chase could n't reopen the account or do anything for me. I explained that Chase damaged me twice by first opening the account and then closing the account without my approval. The account XXXX again reiterated that there was nothing they could do because the account was marked as " voluntarily closed by customer. '' I told her that was incorrect and, technically, fraud since I never asked for the account to be closed. She then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In u.s.c 1681 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 2020-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX   XXXX {$630.00} XXXX  XXXX {$2600.00} XXXX   XXXX  XXXX $ XXXX XXXX XXXX  XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm a XXXX years old man with a mortgage with loan servicing company Specialized Loan Servicing. Because of a previous illness and financial hardship I became delinquent on my mortgage. However, my financial hardship ended but I did n't have enough to reinstate the delinquency of the loan. Thus, I applied for a loan modification but did n't fill out the paperwork correctly and got denied XX/XX/2016. I found assistance and filled out the documents providing all sources of my income. A full loan workout package was faxed to SLS on XX/XX/2016 and they acknowledged that they received the documents on XX/XX/2016 and processed the documents on XX/XX/2016. A single point of contact was assigned to the account - XXXX and he advised that the file would be sent to an underwriter for further review on XX/XX/2016. On XX/XX/2016, XX/XX/2016, XXXX, XX/XX/2016, XX/XX/2016 and XX/XX/2016 my 3rd party representative called and was told that the file was still in active review for a loan workout. A foreclosure trustee sale was scheduled for XX/XX/2016 but was postponed to XX/XX/2016 to allow SLS underwriters time to evaluate the documents. On XX/XX/2016, I was advised that a " soft denial '' was initiated in the notes due to my failure to provide federal tax returns. However, SPOC XXXX never advised that I needed to provide tax returns. On XX/XX/2016 I submitted tax returns. On XX/XX/2016, SLS said they would not allow the modification to be reviewed because they require 38 days to review documents prior to a foreclosure auction date. They said they will move forward with a foreclosure and repossession of the property

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 2015-09-22
Company: ARS National Services, Inc.
State: IL
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:
BOTH AFFILIATES COLLECTION COMPANIES FAILED TO VALIDATE SAID DEBT, AND APPEARED ON MY CREDIT REPORTS W/O CAUSE, ALSO, FDCPA, TCPA VIOLATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: Harvard Collections, LLC
State: OH
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:
XX/XX/XXXX I had XXXX as my cell phone and internet provider. There was a break in service which came from a tower issue. My fiance needed the internet for her business ( which is XXXX ). The service was interrupted for XXXX days, even though XXXX had been contacted daily ( and sometimes several times a day ), causing my fiance to lose clients and thus, money. This caused a financial hardship for her. After the XXXX day, we were forced to shop for another internet provider. XXXX was advised, but continued to bill me for the service, as well as late fees and early termination fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sir, Madame, My Lender/ Servicer denied my request for help in any form of Loss Mitigation due to financial hardship caused by unemployment on two different occasions, the first one was last XXXX XXXX, XXXX when my application to KEEP YOUR HOME CALIFORNIA was denied because my servicer, PLAZA HOME MORTGAGE has not approved my loan for participation in KYHC Program. The second denial was XXXX XXXX, XXXX due to reduced income and not able to pay 12 monthly since XXXX XXXX, XXXX. I missed payments because I have to pay the REAL ESTATE LAW CENTER which I hired last XXXX XXXX, to negotiates better than I did for more than 5 months. Unfortunately, I listened from their advice to stop communicating with my servicer and stop paying my mortgage since they are doing the negotiations and I can not afford to pay the Law Firm and my mortgage at the same time. On XXXX XXXX, XXXX around XXXX I received a call from Loss Mitigation Department, the representative ( named XXXX ) asked me why I did not submit or communicate with them. I told them that I have a lawyer that should be communicating and submitting all the supporting documentations that I am supplying to my lawyer since I started hiring and paying their services. I feel devastated after I found out what really going on between my servicer and my lawyer that I paid {$4000.00} and as of this time is asking for $ XXXX monthly payment after I paid them already of {$4000.00} without positive outcome and also I have to pay filling fee for the case that we need to file to the court. At this time, My complaints are for my servicer for the delaying tactics they implement to my loan that almost ruins my 29 years of marriage life and caused XXXX and for the Law Firm I hired for unacceptable and poor services. Also, I wish to get back my {$4000.00} that I pay, in which half of the amount are from the Title of my car that I collateral to get cash quickly with an interest of 108 %. Because I received a letter from Law Firm stating that, they will close my case and not getting any refunds If I did not complete the {$4000.00} in spite of letting them know and sent them explanation letter that my 3rd months {$1000.00} monthly installments will be late. I have some evidence to support my complaints. 
I am a Veteran and I was trying to keep our home for more than 8 years, I just want my lender/servicer to give us a try- out period for loan modification and If I failed, I will not appeal and I will agree to the decisions of my lender whether its benefits me or not. 

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 2016-02-05
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email alert from my XXXX XXXX XXXX, to review my credit information. A company by the name of Credence Resource Management, had, unbeknown to me, entered a disputed XXXX XXXX XXXXy bill into my credit reports, as a NEW ACCOUNT, and has repeatedly sent new open dates, four ( 4 ) times, since XX/XX/XXXX. The open dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, thus far. These entries are listed as major discrepancies on my credit files. I have not conducted any business with this company nor received any correspondence from them. I had no prior knowledge of this collection filing. I mailed them a letter on XX/XX/XXXX, requesting verification of debt from original creditor, date original account was opened and closed, account summary, and copies of any correspondence they allegedly mailed to me regarding this debt. A letter was sent to Credence Resource Management, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, but was returned as undeliverable. A copy was sent to Credence Resource ManagemenXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX. I have not received any anything from them as of yet. This is a devastating negative impact to my credit rating and has caused me great XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief