BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: Evergreen Moneysource Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Evergreen Home Loans has mismanaged every change of payment that has taken place with my mortgage. I have paid my mortgage on time every month through a scheduled check delivery service, and no matter the change, Evergreen mishandles the change. The first instance was when they missed paying the county tax in XXXX of XXXX. It was not until I received letters from the county that I was in default and notified Evergreen that they took care of the problem. 

Secondly, in XXXX of XXXX I received notice that there was a shortage in my escrow amount due to increased county taxes. It was noted that if I pay a lump sum XXXX {$270.00} XXXX, it would be added to Escrow and my monthly total mortgage increase would not be as much. This money was not initially allocated to escrow XXXX future interest payment I believe, but it was a while ago ) and it was not until I called them that the issue was resolved. The additional principal I paid that month was not as much as it should have been because they had not allocated the lump sum to escrow. Again, it was not until I called that this issue was resolved. 

Third, in XXXX of XXXX I received another letter telling me that there was another escrow shortage due to increased taxes. The letter states, " If you choose to pay your escrow shortage of {$300.00} in full, your new loan payment amount will be {$1400.00} '' I called Evergreen on the phone and was told that they did not accurately calculate the escrow shortage in XXXX and that is why I was being charged again. As a first time homebuyer this was aggravating for financial reasons. I payed the full amount of {$300.00}. At this time, I spoke with a supervisor at the call center and notified them of their continued mistakes. 

Fourth, I just received a copy of my most recent statement ( XXXX/XXXX/XXXX ) and it shows that {$300.00} was applied to escrow, but that my total monthly payment due is {$1400.00}, not {$1400.00}. They did not re-calculate my payments to account for my lump sum escrow shortage payment ... .for the second time. I have recently been paying {$1400.00} per month to get ahead on my loan, and instead of having {$48.00} paid as additional principal, they are only showing {$23.00}. 

I will be calling them tomorrow but I think the number of mistakes shows either gross negligence of their accounting department, or a scheme to gather extra money without customers noticing. It is aggravating and disheartening to have to deal with this company 's mistakes every time there is a change to my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Creditor Claims of America, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had my XXXX around XXXX 2012. I was sent to XXXX for my XXXX. After my results were sent to my doctor, she insisted I came in to see her. When I got there, she told me I was fine and should continue with my vitamins. The next thing I saw was a bill for coming in to hear the results for my XXXX. Note that I had already fully paid for my XXXX This is information that she could have told me over the phone, by mail, email or even put on my online account with her Practice. I have explained to the Doctor 's Practice ( XXXX XXXX 's XXXX ) that I dispute this bill and that they were free to take me to court if they felt otherwise. Instead they have continued to harass me with invoices and through a collection agency called Creditor Claims of America , Inc. I have advised this agency in writing and through phone calls that this debt is disputed but they continue to harass me.

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 monetary relief
Consumer complaint received 2016-04-16
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection agency for a HOA was harrassing me for dues I failed to pay when the house was in forclosure. I kept telling them the bank owned the property and to contact them I no longer lived there. The HOA chose to ignore me and kept billing me for dues now over XXXX.+ They turned the matter over to Coachella Valley Collection Service . Whom continued to contact family member 's, threatening & harrassing them. So how do they get away with such fraud and deception, and win a court case I knew nothing about. So, therefore, do n't move to XXXX XXXX, in Ca

Company response to consumer: Closed
Consumer complaint received 2021-05-26
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Misinformation from the loan originator at Cardinal Financial. The loan originator offered a rate and took 3 hard inquiries just to provide higher rate terms and closing costs. They have sent contradicting statement and ordered a home appraisal without the owner consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account nor did I sign anything for this account please review and delete it from my credit report.. Ive tried everything to report this is not my account and no one is listening ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraudulent business, they had no license number and only one person operating the phone they're very rude and just trying to gather information this is a fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: DE
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:
I have reached out to Equifax well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Progressive Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My pay check was garnished with no prior notice. I ask for proof of debt and none has been provided. in the meantime, my checks are still being garnished and I am getting the run-around. I believe these judgements are being robo signed without consumers having an oportunity to dispute the validity of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Pinnacle Credit Services, LLC
State: OH
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 filed a dispute due to the inaccurate information on my credit report as reported by Pinnacle Credit Services. I never received a response back concerning the account. The item listed by Pinnacle has missing information such as the proper open account date. The OPEN DATE is in direct conflict with the Date of last activity. This account is in error and should be removed from all XXXX credit bureaus. The account number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
Experian and XXXXhas continuously and falsely verified this alleged account. Both Experian and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( portfolio recovery ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

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 2021-05-26
Company: EQUIFAX, INC.
State: NY
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 am writing to your company again as you continue to violate my rights as a consumer by having these fraudulent accounts on my credit report. I do not understand how it is possible you are able to verify these alleged accounts when it is clear that there are so many inaccuracies and incorrect information. Please remove these fraudulent accounts that are listed in the FTC Claim. I have reported this and included yet another FTC Affidavit. I also made a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Focus Holding Company
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving calls from the Focus Receivables Management Group. 
The Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: College Assist
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
They called on my cell phone, I told them I do not wish to have contact by cell phone. I asked for mailing address to communicate in writing and they refused to provide it. I asked them for my account number and they said it was my Ssn. I really want to get more information about this debt but they are making it difficult to figure out what 's going on here

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 2021-05-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I applied for an HSBC Advance Checking account. 

The account was advertised on the HSBC website with a {$200.00} welcome offer after qualifying activities. I applied for the account by clicking the advertised link on the HSBC website. On XX/XX/XXXX I completed the qualifying activities, which consisted of a series of direct deposit/payroll transactions. 

The welcome offer contract ( attached below ) specifies that I would receive the bonus " approximately eight weeks after completing all qualifying activities. '' When the welcome offer was not received as expected, I contacted HSBC via BankMail, their direct messaging service. I contacted them on XX/XX/XXXX and received a reply 16 days later informing me that " we regret to informed you that as per the investigation Team confirmation, your account application doesn't link any cash offer. 
However, if you have any screenshot for proof of your application ID and supporting evidence, you may provide to us, so that we may forward to the campaign and Promotional Team further assistance. '' There is no means provided of sending screenshots or supporting evidence to HSBC.

Several follow up messages -- providing HSBC the requested application ID and requesting instructions on how to provide them with the requested supporting evidence -- went unresponded to. 

On XX/XX/XXXX I was finally told " We have received your BankMail inquiry with regards to the bonus offer not credited to the account. Upon review the investigation raised is rejected as there is no offer linked to this account, as per the terms for advance checking bonus offer {$200.00} mentioned below ... '' The bonus is now two months overdue. HSBC has failed to honor its obligation and also will not communicate with me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to refinance my house and they discovered an account with XXXX for {$3200.00} that had been " charged off ''. 
I called the lender to say I had no idea what this was about. They did n't have my correct address, my correct phone, nor my email. ( and would n't tell me what they did have ). But they obviously had my name and SS #. 

There was never a payment made and I never received any attempt to contact me. They said the account was made online. They opened a fraud investigation ( supposedly ), but since the debt was sold, they would n't call the credit agency. I do n't even know who it was sold to! 

Anyway, I 've got a house being refinanced for {$560000.00} and a $ XXXX fake account is the difference between a $ XXXX/month payment and a $ XXXX/month payment. 

I submitted a dispute and XXXX took it off, but Transunion did n't. What can I do?

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 2021-05-26
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSFINANCIAL COMPANI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) is claiming that I owe them {$400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company says I'm 2 months behind on my payments when twice I have payed on the XXXX of XX/XX/2021 and XX/XX/2021. They sent my payment to the wrong account noted that it was their mistake and processed the payment. A week later I get a letter stating I owe for the last month and this month and also I late fee. I called them on the phone and was told it should have been fixed and someone deleted the work order off my account and did not update it. They said they were sorry for the error and would fix it. The next month I make a payment, which is XX/XX/XXXX, they tell it late and reported it that I didn't make any payments and that I'm late for both payments. As of right now I have a statement stating I still owe XXXX. Which I should be current at this point in time. All attempts to get them to fix my account and rectify the credit reports and late fees have been so far not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the credit union. I have contacted the credit union where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Transunion did n't delete the late payments.

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 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THE FOLLOWING INQUIRIES WERE NOT MADE BY ME. THEY ARE FRAUDULENT. I ASKED FOR THEM TO BE REMOVED Finance XXXX Dc Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank

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 2021-05-26
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
All my words were erased. Im overwhelmed. My identity was compromised by Retrival-Masters Creditors Bureau , Inc. 
America Medical Collection Agency XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. Notified me my social security and medical information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Ocwen Financial Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt belongs to my ex-husband ( divorced 18 years ). He died on XXXX XXXX, 2016, therefore, he has not been paying his bills, because he is dead. 
I have explained to these people XXXX separate times, that I have nothing to do with my dead ex-husbands debts. I know they did an internet search for a related phone number and they focused on mine, as I am the only XXXX with a landline. My name nor phone number was never on his account, as he continued on with his life independently of myself. 
I have also told these people that, I am on the " Do NOT Call '' list and, they need to remove my phone number from their call list, especially since I had nothing to do with my ex-husband 's finances. They have refused to remove my number " unless an authorized person states it should be removed ''. I told them Good Luck with that, unless they can communicate with the dead. My dead ex-husband being the only authorized person on this account. 
I have also told these people XXXX that, his adult children will fax his death certificate to them, this Monday, XXXX XXXX, 2016, when they return to work. They continue to incessantly ring my phone and disturb my right to peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Strategic Alliances, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On Friday, XX/XX/2021 I was contacted by First Financial Asset Managment. I was told that I owed money due to an accident that I had. I was lead to believe that if something wasn't done that there would be legal action taken against me. I was told to take the weekend and figure out my finance and callback in. 

On Monday, XX/XX/2021 I called back to First Financial Asset Management and I was told they refused to acknowledge that they were in fact a debt collection agency. They continued to say that they work for XXXX and they were simply just trying to confirm the balance and make arrangements on my account. I then said to them that if they are attempting to collect a debt then they are in fact acting as a debt collector. I was told that they did not have to follow the FDCPA, which was why they continued to make false and misleading statements. Instead of stopping the activity they lied about who I was speaking to and refused to transfer me to a supervisor. 

Finally, when I was transferred to a Supervisor he hung-up on me because he refused to take a {$5.00} payment over the phone. He stated that the minimum amount he can take over the phone was {$50.00}. This is after the employee said the minimum was {$100.00}. The company wanted me to set-up {$75.00} payments for two months and then they discuss other options later down the line. I told them I wasnt interested in doing that because my financial situation would not allow me to pay that much. 

This company is full of collection bullies. They spend there time trying to make themselves sound like lawyers and trying to set the belief that the matter is going to escalate when that wasn't what they were hired for. They use deceptive wording such as " claim number '' when in fact the account number is a file number in their office. 

Please request access to all calls. Even when they were told of my intent to file a complaint they didnt back off. Instead they got angry and hung-up on me. 

Please stop this company from abusing consumers!!

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