BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-18
Company: Firstsource Business Process Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt has been with another collection agiency, when I requested proof from the previous agiency, they sent no contract and the bills they sent did not have my new name on them. I was married on XXXX/XXXX/2012, a couple of weeks later my name was changed at the XXXX XXXX XXXX XXXX off of XXXX XXXX in XXXX Virginia and my new social security card, new drivers license, and marriage certificate ( that is filed with the XXXX XXXX Court House and im sure a copy can be requested by any party ) and all cards were re-issued with the new married name. The bills I was shown by the previous creditor showed bills in my maden name after that date and still said another name for a long time after my name was changed on all my accounts with XXXX XXXX XXXX. I had new cards issued in my maden name that does not match the bill, no contract has been shown to me, not even the documents I signed with the bank to change my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Convergent Resources, Inc.
State: FL
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:
Convergent Outsourcing make XXXX inquiries on my XXXX credit report. Unauthorized, without any notice of debt, or verification of debt. Convergent gave my information to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS did not send me the tax form for the 2020 tax year. I also had trouble logging into my account online. I contacted SLS and they would not help me without me providing the last 4 of my SS #, and I will not do that over a cell phone. I submitted complaints through the XXXX. SLS then sent my personal tax document to the XXXX, rather than sending it to me personally. XXXX did not need to see my tax form. THe form had alot of the personal information on it. It is a breach of security for them to send it to the XXXX without my knowledge or consent! Action needs to be taken to for them intentionally sending my personal tax document to the XXXX. It is unethical, unprofessional, and very dangerous to me for them to take this action. I need the CFPB to step in to help deal with the behavior of 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 2015-12-23
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They contacted a family member in regards to a outstanding bill to a number not associated on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Designed Receivable Solutions, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DESIGNED RECEIVABLES SOLUTIONS ( DRSI ) hereby referenced as 'Defendant ' incorporated in the state of XXXX ; XXXX. as a foreign entity in the state of CA entity # XXXX alleged consumer hereby referenced as plaintiff of owning debt as a result of identity theft for a total amount of {$490.00} Plaintiff requested defendant to perform debt verification pursuant to the tenets of Section 809 ( 15 USC 1692 ), Validation of Debts, within the Fair Debt Collection Practices Act ( FDCPA ). 
Plaintiff was misleadingly asked to provide his personal data such as address which is different from the address defendant had previously collected from his client, XXXX. [ Exhibit.1 ]. Defendant purposely collected data to match consumers ' profile and therefore have this fraudulent item reported. Nevertheless, the collected data such as address should have been used for legal correspondence purposes only between plaintiff and defendant pursuant to 15 U.S.C. 1692 Section 805 however defendant used this address to falsely and knowingly report fraudulent information on defendant 's credit profile AFTER plaintiff indicated that debt is result of identity theft. 
Prior to credit bureau reporting, plaintiff performed validation of this debt and responded within the 30-day time period as set by 15 U.S.C. 1692 Section 809. Plaintiff informed defendant regarding the fraudulent nature of this debt. Specifically, following information does not match with plaintiff 's consumer profile : SS # Address # Insurance information # Plaintiff claims this debt is fraudulent. Plaintiff provided a copy of his police report to further justify his claim further requesting the defendant to refrain from reporting fraudulent data on consumer 's report pursuant to FCRA 1681 Section 808. Plaintiff requested defendant to cease further communications with plaintiff as per the fraudulent nature of this debt. 
Nevertheless, defendant reported this debt to plaintiff 's credit profile which violates the Fair Debt Collection Practices Act. Defendant is in violation of the following FCRA 1681 Section 808 : 807. False or misleading representations 808. Unfair practices 809. Validation of debts 812. Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Convergent Resources, Inc.
State: CO
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:
I have received letters and phone calls from this debt collector demanding that I pay a fraudulent XXXX debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint involves bundled services for home phone, TV and Internet provided by XXXX I decided to switch my bundled services from XXXX to XXXX ( XXXX XXXX in XX/XX/2016. XXXX service was installed on XX/XX/2016 ; when installation was complete and phone, TV and internet were all working, I called XXXX to cancel my bundled services ( home phone, TV and Internet ). In XX/XX/XXXX, XXXX billed me services from XX/XX/2016 - XX/XX/2016. Beginning XX/XX/2016, I attempted to get XXXX to remove the charges for the home phone, TV and Internet services ( which I canceled on XX/XX/2016 ) from my account. I have made multiple phone calls to XXXX, spent hours and hours talking with multiple ( XXXX ) XXXX representatives and been promised that corrections have been made. Yet I have continued to receive fraudulent bills for services not received. 

Despite making a call to XXXX on XX/XX/2016, at which time an XXXX supervisor promised that my account had been adjusted to reflect only the services I received from XX/XX/2016 - XX/XX/2016, XXXX turned my account over to collections the following day, XX/XX/2016. After more phone calls to XXXX on XX/XX/2016 my account was eventually reduced to reflect charges for services from XX/XX/2016 - XX/XX/2016. Although I have asked XXXX to recall my account from collections ( since my account was not corrected until after XXXX turned it over to collections, XXXX has refused to do so. I am being penalized and my credit has been damaged through XXXX fraudulent actions. ( See attachments for detailed description of my calls to XXXX, contacts by collection agency and fraudulent bills ). 

IN SUMMARY : XXXX has acted in bad faith and made false/deceptive statements to me throughout this process. I have continued to dispute the fraudulent charges and attempted to resolve the matter in good faith. XXXX ultimately sent my account to collections, even though my account contained FRAUDULENT charges for services I had canceled and had been disputing continuously since XX/XX/2016.

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 monetary relief
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is about Chase Bank and what we believe is their violation of UDAAP, among other errors and issues, in the process of obtaining the mortgage for our home. 

Chase Bank has admitted that they failed to disclose important tax information related to our property. Because of their failure to disclose to us, or update the closing paperwork that they provided to us, regarding how much our mortgage and monthly payments would be we are now being subject to a paying a short of $ XXXX, and they are increasing our monthly payment by over {$700.00}. 

It is important to note here that on multiple calls with Chase they have ADMITTED to having this important information prior to closing, and they admit to failing to disclose this information to us. They never made this information known to us nor did they update any paperwork to reflect a new amount. Thus we closed on a home without Chase providing us with financial information that they had and we needed to make an informed decision. 

The company involved is Chase Bank. 

The people involved are our loan officer from Chase and his supervisor at Chase Bank who admitted to receiving the financial information and failing to provide it to us prior to closing. We also have confirmation of Chase 's failure to disclose this information from the title company, XXXX XXXX, that serviced our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Harvard Collections, LLC
State: LA
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:
Someone used my social security #, but with a different name, in XXXX thru XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company continues to call my parents landline phone when I have asked them to stop. They also constantly call my cellular device when I asked them to cease multiple times. 

This debt is from XXXX. I payed my final bill and they tacked a crazy amount of money for leaving their service, which I should not have to owe them a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: PNC Bank N.A.
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
PNC opened a credit card and spelled my name wrong XX/XX/2016. Error went unnoticed until 2 payments were rejected after I tried to pay from PNC site. I contacted bank I was trying to get payments from and they told me they rejected them because name did n't match account. PNC then closed my account. I called PNC to try to get them to change name on account and they told me they ca n't do it on a closed account. I eventually got them to escalate the situation and they told me they would call me back. In the meantime this maxed credit card hit my credit report because I ca n't make pull a payment to it. and has tanked by credit score while I 'm in process of getting a new mortgage. PNC has refused to reopen the account based off their error. I have checking account besides this account so they 've pulled both my XXXX report and credit reports so if there was an error in my name it should have been discovered long ago. PNC is claiming name is wrong on my checking account too. It 's been beyond frustrating as I 've been on the phone with them half a dozen times and there 's never anything the person on the phone can do and that they 'll contact me with an update. I 'm hoping this leads to someone that can help me. At this point they 're defrauding me of money by opening an account on my credit report ( not even my name ), tanking my credit score and charging me interest and fees while giving me no way to stop it.

Company response to consumer: Closed
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My credit report has been negatively affected by Equifax allowing various entities to report unverified accounts on my credit. I asked Equifax to please provide me a hard copy of the original applications/contracts that is said to be mine so that I can verify signatures. Equifax relies on 3rd party vendors that provides electronic information that could easily be forged copied or finagled. In respects to the law that governs the CRA 's, it is my understanding that under the FCRA 15 U.S.C. 1681, all unverified accounts must be promptly deleted. In respects to the governing law, a verified account is defined as an original hard copy of the original application that is believed to be mine. Equifax has disregarded my request for the copies of the applications or contracts that is in my file. They have responded within the 30 days but not with the original documentation with my signatures. I did not ask for a copy of my credit port. I asked for an updated copy of my report that shows the accounts in question to be removed because of Equifax 's inability or unwillingness to forward me all original hard copies within 30 days. According to the law that governs the CRA 's it 's illegal to report on my credit file without having the " hard copy '' on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the last 2 years, I have requested my free annual credit report from Equifax and XXXX electronically and both times I was denied getting my credit report online and had to submit a paper form. I believe the " verifying your identity information '' is incorrect, as it has my current/previous employer as " XXXX XXXX '' instead of its proper name ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has been changing my credit score constantly is in the XXXX now and a month ago it was XXXX. And in a month it dropped XXXX points and I do n't understand how that 's possible no changes were made. There is an account on listed shown as XXXX that has been closed and should be removed. There is a current in beat that is open and that is current and correct. Also there is XXXX that 's been on there for a very long time that 's been paid off and should not be on there. Well I am making a complaint XXXX has failed to show any credit score of mine at all. Please help me figure out why they are doing this to me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently requested a copy of my credit report and noticed Equifax has reported inaccurate account XXXX on my credit report that does not belong to me. I have disputed to them directly pertaining this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I have completed all required documents to refinance our home loan EXCEPT for XXXX documents held by Ocwen, after I have called them many times. Our refi is being delayed without reason, thanks to Ocwen delaying sending requested information. As everyone knows, mortgage interest rates are slowly, incrementally rising, so, after having delayed us for weeks, it is quite possible that our new monthly mortgage will rise, thanks to the passing of time. These people have ignored requests for documentation Our only recourse, it would seem, spend XXXX on litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, XXXX, a representative from Seterus in the XXXX office, my mortgage servicer, called me and told me by phone that my current interest rate of 2.5 % was being locked in for the life of the loan. This is what I had been asking for since I informed Seterus that I would not be able to make the payments due to excessive medical expenses for myself and my wife. Myself and my wife are senior citizens on a fixed income and I had been calling and sending letters consistently for the past six plus months trying to make a payment arrangement with Seterus. After speaking with XXXX and knowing that Seterus does not often send written confirmation, I myself sent a letter to XXXX XXXX ( the loss mitigation representative I had previously been communicating with ) in the XXXX XXXX office to document our conversation, to thank her, and confirming the payment amount. About one week later, I received another call from XXXX ( did not identify themself ) confirming the payment arrangement. I was then told that written confirmation would come with my XX/XX/XXXX payment coupon. This was incorrect in as much as the XX/XX/XXXX coupon showed the increase in interest rate. In speaking with XXXX XXXX, one of the supervisors at the XXXX office, he claims that I did not complete my paperwork and that everything was put on hold. I did not complete the paperwork because I was told I was approved and l locked in for the interest rate. I was not informed that I had to turn in any additional paperwork when I was verbally informed of the locked in interest rate of 2.5 %. XXXX told me that because I did not submit the paperwork that the fixed interest rate was canceled. He told me to turn in the financial documents and send them to XXXX office which I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I sent Equifax XXXX requests to place a Security Freeze on my file. The First request was sent on XXXX/XXXX/16, the Second on XXXX/XXXX/16 and the Third request on XXXX/XXXX/16. Each request was sent certified mail and included my complete name, complete address, Social Security number and date of birth. These request also included a copy of my Drivers License, XXXX, Proof of address and my Identity Theft Police report. I also sent the same request for my wife - with the same documents - and she was able to obtain the security freeze upon the first request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My Personal information is wrong - My complete name is XXXX XXXX XXXX XXXX - DOB XXXX The problem is that Equifax consistently mixes the name of my Son XXXX XXXX XXXX XXXX. - I tried to go into their web site and correct the information however the site is not user friendly - They also ask you to submit information related to your personal data- However when you try to submit the information the site only allows for a very small data file. Thus not allowing to complete the upload - see driver license below - They have to many inquiries that are not related to me - instead some of those are related to my son. 

It is hard for him and for me to keep our credit reports accurate. 

Please have then removed the inquiries that are not mine and make my file accurate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Received notice from IRS of a tax notice. Payment made on XXXX/XXXX/2010 which happened to be the same date as a tax lien was filed. Unable to get explanation from IRS or Equifax as to reason lien was filed on same date as payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've repeatedly requested investigation of a bankruptcy being reported on my credit report by Equifax. This information is being provided by a third party and not a creditor. This information is not being reported by the courts, and should not appear on my report. I 've asked the bureau to stop reporting this information because the court is not a creditor, and they have not provided the credit reporting agencies with any information. I would like the credit reporting agencies to remove this information from my credit file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: National Collection Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work.

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