BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to a firm, unnamed, serviced by Selene Finance, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX. During the handover of my mortgage to Selene, either XXXX did not hand over the credit for the XXXX 2015 payment I made, or Selene received it and did not credit it to my account. For almost nine months, while I have made monthly mortgage payments, XXXX has keep my account as " past due '' because of this error, and has threatened to put my home into foreclosure. As a result, my credit remains damaged, on an on-going basis. 
In addition, Selene held onto the escrow funds from XXXX despite numerous attempts by XXXX XXXX to get the portion for homeowners insurance. At one point, my home was uninsured as a result for one month. I had to pay the premium out-of-pocket rather than Selene paying the escrow. It was not until months later that Selene released the funds to XXXX XXXX and we received a refund, but the damage to our budget and credit was already done. 
I am trying to refinance so that I can pay a tax lien on my home and take out money for my daughter 's XXXX care, but with the continuing " 30 day past due '' status and threat of foreclosure, I can not get refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SIMM Associates, Inc.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have defaulted on a student loan from national collegiate trust which was being paid via XXXX XXXX XXXX XXXX XXXX XXXX refuses to provide me with the contact information for XXXX XXXX XXXX and sent the defaulted loan to SIMM ASSOCIATES. SIMM ASSOCIATES continues to harass me about the defaulted loan demanding I pay the full $ 41K immediately and I have no means. I have requested, via certified mail that the debt be validated and I receive information on the original creditor of the school loan and SIMM ASSOCIATES has failed to do so but continues to call. All I am doing is trying to validate the debt as what SIMM ASSOCIATES is trying to collect on is not what I have in my own personal records. I would also like to settle and work with my original creditor on this issue. SIMM ASSOCIATES continues to use harassing practices while calling me at work, fails to send proper documentation, or says they have sent the proper documentation and I have yet to receive any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: POPULAR BANK
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for a loan for emergency purpose and was never notified of the decision. The institution did not provide me with consumer credit review or an adverse action letter. I called the company several times only to be told that the application is still in review process.

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 2015-04-15
Company: Selene Finance LP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed away XX/XX/XXXX and I need to refinance the house to get a lower interest rate and his name off of the loan. In XX/XX/XXXX I requested a copy of the agreement. I followed up on many of occasions and was told that the is no law that regulates the time line for this request and they would get to it. I finally received it in XX/XX/XXXX Then I got all my ducks in row to refinance and began working with my leader. We have requested the payoff on XX/XX/XXXX and to this day the payoff has not been sent to us. I have talked to them many times only to be told oh we faxed that yesterday but they have no receipt of the fax and neither my lender or myself have received this fax. I am at my wits end. The loan company is Selene Finance XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Any help I can get would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Atlanticus Services Corporation
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-06
Company: Solutions To Portfolios, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have received several threatening phone calls XXXX times a day at work and on my cell phone about a debt that I owe to a company called XXXX. They harass me threatening the money I owe is a felony which it is not and threatening to call my employer and disclose information to them. I have asked them to stop calling and they will not. I have voicemails on my phone harassing me and telling me that if I do n't make a payment by a certain time that day that will take me to court. I told them to take me to court, and that I do n't deserve to be treated this way yet they keep calling, yelling at me calling me worthless hanging up and then calling right back. I keep blocking the numbers they call from and then they call me from different numbers. They will not give me their address or actual telephone number or even tell me the name of the person I am speaking to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank is charging me {$500.00} per month, or {$6000.00} per year for my escrow. I escrow taxes and insurance. My annual insurance is {$1400.00} and my taxes are {$3700.00} annually, for a total of {$5100.00}. So Chase is overcharging me by {$930.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EMCC Holdings, LLC
State: NV
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:
I requested validation and a copy of the signed contract for a debt listed on my credit file. The company responded with we are unable to grant your request and provided a payment history but not the initial signed contract and stated they are reporting the information accurately. This is not accurate and I think if a company is listing a debt against you they should be able to provide validation. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim of identity theft and the person open accounts in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: PA
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:
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I demand the following account be verified or deleted immediately : The following account is not mine : XXXX ( Account Number : XXXX ) Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2021-12-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX while in XXXX XXXX with friends we were at a bar and were talking to some people we met there. I was speaking to a young couple that seemed friendly i notice that when i went to atm machine they had followed me and stood next to me as I withdrew {$600.00} we continued to talked for several minutes and me and my friends left the bar the man from the couple gave me a hug goodbye. now back at my hotel i noticed my phone and wallet were gone, very upset it was late so i went to bed. i got up early XX/XX/XXXX took a XXXX  to the XXXX  store got a new phone and went back to my room and called TD fraud and cancelled my debit cards as well as my other credit cards. During that time period the people who stole my debits cards and must have saw me use my pin at the bar racked up {$9300.00} in charges at several stores and ATM machines. When I got home I went to TD Bank that monday XX/XX/XXXX and filled out a fraud report list all of the false charges. A week or so later i was told by letter TD felt fraud did not occur due to the fact after i cancelled the cards there were no attempts to use them. this is false there were indeed two attempts to use cards after i had cancelled them. I refiled my case they again declined to cover the false charges. I was told to get local police report which I did and refiled for a third time with a promise from TD Bank disputes and Claims would call me directly which they never did by again refused to cover my charges. I have two witnesses that will attest that I was with them during the time period my cards were being used all over XXXX XXXX. Ive used TD Bank for over 15 years with no issues. I asked TD Bank to please pull video tape from ATMs the cards were used during time period after my wallet was stolen and the refused to do so. I asked them to please look at store video footage to see who indeed used my cards and they refused to do so as well. Their whole basis of refusal to cover my loses Im told were based on the fact the cards were not used after I cancelled them HOWEVER I was told by TD BANK customer service there were indeed two attempts to use my cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX obviously did not do their due diligence in investigating my case. I sincerely request your help in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18
Company: Vital Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am contacted daily by vital finance recovery! I do n't owe anyone money & there is no debt. If I call them back they say they do n't have my number & I tell them that I am reporting them to the FCC for harassment. I have been on the do not call list for years, I am harassed daily with vm from this company threatening that this is a debt collector and must collect a debt or I will be prosecuted. They claim I have received a number in the mail from them which is not true. They are rude & deny they have my number to call but my phone tells a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: OH
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:
I am filing a complaint I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XXXX, XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect a current status to help protect the integrity of credit profile.

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 2021-12-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went to jail for 18 months I came out XX/XX/2021 I called the lender to get a pay off quote to catch up on my mortgage payments and I was never provided with one. My aunt was going to pay the balance and we tried 3 times and I got it by mail a week after the auction. And the bank took it back no bids were made so Im still at the home with a lot of XXXX and stress. I tried getting an attorney almost paid {$11000.00} for his services and it came out to be a scam. I feel this property is worth a lot more now so they took it from me when I was going to catch up on payments. The auction date was XX/XX/2021 on my daughters birthday. I came out XX/XX/2021 by law they were supposed to provide me one with in 7 days. And I never received auction date of the property by certified mail nor did they post it on my door. If theres anything you can help me with even advice I highly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Southwest Credit Systems, L.P.
State: FL
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 received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on it.

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 2016-08-15
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I person by the name of XXXX called me in regards to a medical debt I was unaware I owed, I explained I was in middle of work and could n't speak to him at the moment, he proceed to call my cell a total of 5 times within a 3 hour span. 
I called him back and asked to be sent an invoice because how did I know if it was n't a scam, and I would n't give my credit card information over the phone. 
A few days passed I did not receive anything in the mail, XXXX called my work and asked to speak to my boss, he told my boss to have him call me back or I would be in serious problems. He then called again and asked to speak the HR director, he then called again to obtain my extension number. 
I called him back and asked him to not contact my work number and to not speak to anyone at my work in regards to him trying to collect a debt. I explained I still had not received anything in the mail, which then I realized he did not have my correct mailing address, I gave him the correct mailing address. 
2 days later he called me a series of 10 times, 3 times leaving a voicemail, I was not able to answer the phone because I was in meetings, he then called my work number and spoke to customer service asking if I was working and in the office. 
I called and asked to speak to a supervisor and asked said supervisor to remove my work phone number because the employee XXXX has been harassing me at work, I again asked for the invoice to be mailed. 
XXXX called the next day my work phone and spoke to customer service, he then called my work extension and left a message. 
I again called a supervisor to ask for XXXX to stop calling my work. 
XXXX again repeatedly called me my work phone number.

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