BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: Continental Finance Company, LLC
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I have not used the XXXX card in over 1 year, I have attempted to close the account on numerous occasions and the autamated system disconects me after a brief hold and recording. I have been threatened by a company on behalf of continental credit that they will persue legal action. I have not received any written correspondance from XXXX Credit card, and my online account shows no balance due as of XX/XX/2016. The acount remains open so they can charge me interest and fees.

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 2016-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: OR
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Case Subject : FAILURE TO PAY PROCEEDS IN A TIMELY MANNER Case Description : MY CD MATURED FRIDAY, XXXX/XXXX/2016. AS OF TODAY 'S MAIL, XXXX/XXXX/2016, I HAVE NOT RECEIVED MY MONEY. ON XX/XX/XXXX I CALLED THEM TO INQUIRE AND TO CLOSE MY ACCOUNT. ON XXXX/XXXX/2016, TODAY, I RECEIVED MY {$5.00} FOR CLOSING ACCOUNT DISPUTED AMOUNT : {$10000.00} DESIRED RESOLUTION : SANCTION OR FINE THEM. THEY HAVE OVER {$10000.00} O MY MONEY TO EARN INTEREST ON FOR THEM, NOT FOR ME.

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 2015-03-31
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. 

It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them. 

I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth. 

***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies. 

I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a notice that our monthly mortgage payment would increase by {$100.00} in XX/XX/2017 due to escrow balance being short. This is not the first time that we have received a notice like this. FNB noted in the documents that we could either pay the entire shortage of {$1700.00} or our monthly payment would increase by the {$100.00}. We are already stretched to the limit. The increase in payments happened as well when we had our mortgage with XXXX ( purchased by FNB ). Our original payment with XXXX ( purchased by FNB ) went to {$1600.00} per month. I went to XXXX and we modified through HARP program. Two years later we modified due to hardship as we fell behind because my husband loss his job. Our modified loan has a 40 year term and the interest rate is lower but our term is stretched longer with a still high payment. I will be XXXX when it is paid off. FNB gave us two weeks to sign papers and get them back or the alternative was immediate foreclosure. I was never sent a copy of the paperwork. This latest notice is just the icing on the cake. We are still struggling.

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 2016-07-13
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Original account was purchased by XXXX XXXX XXXX XXXX and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. XXXX closed there doors and was purchased by another company named Resurgent Capital Services located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened XX/XX/XXXX and the original delinquency was in XX/XX/XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i am being garished out of my payroll 25 % very two weeks i can '' t keep up. Gurstel Chargo ( attorneys at law ) have my student loan looking like a Child support case to the courts in STATE OF ARIZONA, XX/XX/XXXX OF EACH MONTH, I PAYED XXXX. XXXX A MONTH UP UNTIL XX/XX/XXXX THEN THEY WANT XXXX SO PLEASE HELP US I CAN '' T PAY MY OTHER DEBT BECAUSE OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts reporting from XXXX XXXX XXXX ( XXXX and XXXX mortgage ). As these are not my accounts, I have an open investigation with the CFPB - case # XXXX. I have contacted XXXX, XXXX and Trans Union on several occasions to have these accounts removed, but have been refused any action. These accounts suddenly appeared on my credit reports in XX/XX/XXXX as 180 days late ( no mortgage reported since XX/XX/XXXX ). I am asking for removal of these accounts at the very least until the CFPB concludes their investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm writing because I am veteran with a VA home loan from New American Funding and I am on my second attempt to get a loan modification to keep my home. I fell into a financial situation where I can not keep up with my mortgage payment. I contacted my lender for help and was advised to do a loan modification. During this process, I was also advised to not make any full or partial mortgage payments. We were also lead to believe that we were going to get the loan modification. After months of submitting papers and documents requested and almost XXXX XXXX XXXX in the hole, we were denied and our home was put in foreclosure. Had we been able to make full or partial mortgage payments, we would not be almost XXXX XXXX XXXX in the hole. We were very fortunate to get help from Keep Your Home California, they were able to help us reinstate our mortgage. I was also told by my lender to make a second attempt at the loan modification. Again, I have cooperated and submitted everything that has been asked of my wife & I. Here we are months later and I have not heard anything. We feel like our lender set us up for failure and had or has no intentions of helping us out at this point. We have tried to get our home refinanced through another lender, but no one will touch us because our credit scores have plummeted through this whole process. We are very unhappy with our lender, New American Funding, because of the lack of help and advice they have provided. We have XXXX kids and XXXX on the way and we do not want to lose our home. We do not want to sale our home and have to look for another one. As stated earlier, we would not qualify do to our credit scores to buy another home either. My wife and I just want our lender to help us and give us positive options so that we can stay in our home. We are not asking to cut our mortgage payment in half or to be excused from making payments, we just need some help by getting a lower mortgage payment.

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 2021-09-01
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
For almost a year now, I have been requesting that the credit bureaus perform a reasonable and thorough investigation into several unverifiable accounts that they are inaccurately reporting on my credit report. I have asked for verification of their legitimate authority to CONTINUE reporting INACCURATE, UNVERIFIABLE information and they have failed to respond to over 10 requests that I have made. When I check my report every month the notes on the accounts states that the accounts meets FCRA requirements, but have failed to supply proof substantiating that claim. These errors are preventing me from being able to obtain suitable employment, and have impacted me being able to obtain credit and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: National Recoveries, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have defaulted on my student loan and fully accept that portion of my actions. My complaint, however, centers on the collection agency assigned to my debt : National Recoveries. I have contacted them by phone and letter ; their phone number is a single line that leads to a voicemail to which they have failed to either ( 1 ) answer at any given attempt of my 23 attempts and ( 2 ) have failed to contact me during times I have stated I would be open and available to talking to them about my debt issue. They have only provided one manner in which to contact them and have contacted me once according to my phone records which was not a stated time as I was at work which was XXXX. They 're failure to provide a dialogue of any sorts not only has resulted in higher accrued interest but also my inability to settle a debt or make voluntary payment arrangements with them as they fail or simply do not wish to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX there was a fraud issue with my Captial one credit card. Apparently, someone got a hold of my credit card information and made charges to my account. Prior to the charges made, I made a credit card payment of {$160.00}. When I received the alert regarding informing me that my credit card information had been compromised, I immediately check my account and noticed that there were charges on the my account that I did n't make. I then contacted Capital one and filed a fraud case. After six weeks of not receiving a follow up call from Captial one. I decided to give them a call. On XXXX/XXXX/16 I contacted Capital one to find out what the status of the fraud investigation was. After spending an hour talking to XXXX Capital one representatives, I was informed that the issue has been resolved and the outcome was that all of the charges made to the account would be refunded, I would n't be responsible for the current amount due which is {$82.00} and I would have a new credit expedited to my resident. Today, I contacted Capital one and was informed that a new card would n't be issued until I pay my current balance of {$82.00}. I then explained to the representative that I have XXXX other major credit cards and I have never been told that they would n't send me a card until pay my current balance. I asked to speak to a supervisor, but was told that there was not supervisor available and if I did in fact speak with XXXX, they would in fact reiterate what I was already told.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: STOCKTON MORTGAGE
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my husband and I closed on a house. Our mortgage company was Stockton Mortgage. As part of closing, they collected almost {$1600.00} for property taxes. We found out in early XX/XX/XXXX that the taxes had not been paid. We reached out to Stockton and spoke to multiple people. One customer service representative even informed us that it was not Stockton 's issue/problem. We finally spoke to an upper management person and sent her the statement from the sheriff 's dept. Then on XX/XX/XXXX we received a letter from the county attorney that the taxes had not been paid and were now delinquent. That Friday I reached out to Stockton and emailed the bills to them. I called back the following the Monday and was told they would review them and pay within 10 business days. The letter from the country attorney requested all taxes be paid by XX/XX/XXXX. I was transferred to a supervisor and then spoke to other higher management persons. A resolution specialist was assigned to our case. Since then I have not heard from the specialist. I have reached out multiple times through email and have never gotten a phone call or a return email, neither has my husband. It seems that Stockton is not taking this issue seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I retrieved my credit report and noted that XXXX XXXX XXXX ( reflected as XXXX XXXX on credit reports ) had inserted 4 derogatory accounts on my credit report. This company never sent any correspondence to me that would have informed me of any alleged debt they were attempting to collect. Further, by not receiving any correspondence from them, did not allow me to dispute the validity of their claim. to that end, I submitted a dispute to XXXX XXXX ( although the company was truly XXXX XXXX ), the address reflected was to XXXX XXXX. This too is a violation. If they are attempting to collect on a debt, then their name should have been listed and not the alleged original creditor. XXXX XXXX never responded. So I then sent a copy of the certified letter with return receipt to XXXX to verify that the company did not respond to my dispute letter and the entries should be deleted. The entries were deleted from XXXX. 

On XX/XX/XXXX, I again retrieved a copy of my report an found that XXXX XXXX   had reported these same 4 derogatory accounts, that do not belong to me, on my Equifax report. I disputed with Equifax but to no avail. Equifax responded well after 30 days only to state the accounts were verified. I submitted a response to their findings by inquiring as to how they were able to get a response from XXXX and my efforts were not successful as the company just blatantly disregarded my dispute. I then escalated this dispute to the CFPB against Equifax and at XXXX ( as it appeared on my credit report ). It took Equifax over 60 days to respond to the CFPB only to state that they would send a letter with the results from the investigation to me. Again, I received the same letter whereby Equifax stated the accounts were mine. 

I then sent XXXX XXXX another letter ( second attempt ) dated XX/XX/XXXX whereby I once again requested that they provide validation of these entries belonging to me. This letter was sent certified with a return receipt and to date, I have not received any correspondence from this company. Additionally, I requested that they provide a copy of the financial responsibility page for the accounts they are alleging I owe. Again, to no avail. This company is outright violating and continuing to violate my rights by reporting these inaccurate entries. These account entries DO NOT BELONG TO ME AND SHOULD BE DELETED FROM MY REPORT IMMEDIATELY! BOTH EQUIFAX & XXXX XXXX   ARE IN VIOLATION OF THE LAW!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient student loan people keep calling me about another person. I have no student loans open. I have told them repeatedly this is not me and to stop calling and they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : I received an unsolicited request to modify my HELOC loan at Bank of America. I signed loan documents in XXXX 2015 effective XXXX 2015 and first payment date XXXX XXXX, 2015. My loan has still not been boarded on the BofA system which I understand is a CFPB and RESPA servicing violation. 
I 've been diligently working with BofA to get this corrected, but to no avail. I 'm told that the issue is that when I signed loan documents BofA 's system automatically generated the wrong date on the Clarity Commitment document. I 've asked for the corrected document and they refuse to send it stating it must be system generated and there is a glitch in the system. 
In the meantime, BofA instructed me to make and continue making the payment based on the new loan modification documents. Since their system does not recognize the new payments they continually send me late payment notices and continue to tell me to ignore them and make payment based on the signed loan docs. Now I have mortgage lates on my credit report and BofA is non-responsive. 

I 'm told that the situation is not unique and this situation effects many consumers. 

I 'm respectfully requesting your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief