BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am disputing a collection debt from XXXX ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with XXXX. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is Comenity Bank whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting XXXX to you so as to warn others about the illegal practices of debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with  XXXX  then they sold to  Shellpoint,  after 30 days of working with Shellpoint they denied my loan modification, they have no grounds, gave me no explanation. I received a letter on  XXXX / XXXX /  XXXX   to appeal withing 30 days, today is  XXXX   XXXX  and my housing  counselor j ust found out that I have a sale date for  XXXX   XXXX ,   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 2017-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reviewed my credit report on XX/XX/XXXX  via  XXXX  and found a Kohl 's Dep artment Store trade l ine on my  XXXX  and  XXXX  credit report, however, I never applied for the card in question, which list me as an authorized user.  <P/> Date opened  XX/XX/XXXX  ; amount {$490.00} listed on my   XXXX   report and {$540.00} listed on my   XXXX   report. I have tried calling Kohl 's, however, I am still awaiting a response, so I decided to file my complaint through the consumer finance agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX case number XXXX from SLS Morgagae That I did not pay Ferbruary XXXX XXXX payment to XXXX Bank I did make a payment on 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 explanation
Consumer complaint received 2016-02-08
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX/XXXX/XXXX First American http : XXXX This is a complaint about First American Title. I sold a home, Wednesday, XXXX XXXX, XXXX, there were XXXX escrow issues that required funds to be held. At this point all issues are resolved. First American is refusing to release the excess money held. 

My Realtor has attempted to resolve this several times to no avail. The total owed is above {$1500.00}. 

This has happened to many people, the amounts are usually a few hundred dollars, and hiring an attorney would cost more to resolve that the dollar amount in question. 

It has been seven months with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: IQOR US INC
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 was paid

Complaint:
On XXXX XXXX I transferred responsibility of my XXXX account out of my name and paid all monthly / cancellation charges that were accrued as follows. 
On XXXX XXXX I paid sprint in the amount of XXXX and my total due balance at the moment was XXXX for the next payment due to phone cancelation. On XXXX XXXX I paid a total of {$320.00} in cash at a XXXX store to bring my balance to {$0.00}. At this point the account was closed and I have no longer done business with or used sprint services. 

After all this I received a letter postmarked XXXX XXXX, 2015 stating i was in collections for the amount of {$73.00} with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by williams, rush &amp; associates today. Today was the first day I was informed of a debt from   XXXX   XXXX   XXXX   representative of   XXXX   XXXX  . I told them this was a mistake and I have been trying to contact  XXXX   XXXX  to fix the problem but they are not returning my phone calls. I told  Williams , Rush &amp; associates  that I would be willing to make payments until this mistake was resolved. They refused to accept anything I offered, and demanded I only pay by credit card and only allowed to pay half the amount. They are refusing to send me anything in writing, such as a bill or legitimate statement unless  I  payer  % 50  of what I owed on the phone today. This is the first I ever heard of this debt, including from  XXXX   XXXX . This debt collector is being very unresonable, and I would  imagine this can no t be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was called yesterday by the number ( XXXX ) XXXX debt collectors. They threatened to sue me, and garnish my wages if I do n't pay. This debt is in my maiden name. I never provided my husbands info. The brought up my husband and saying he had an income. I know I have a medical bill balance. I was very sick for a while and could n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After having been discharged 7 years ago for Bankruptcy chap 7 my loan servicer does n't want to report it to the credit reporting agency. I have asked to be reinstated in form of signing or writing a letter of reinstatement but they have not acted on it. This caused me to be denied for an FHA refinance. FHA requires that I have my mortgage loan reported to the credit bureau for my situation.

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 2015-06-26
Company: United Student Aid (USA) Funds
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off a mortgage with XXXX in XXXX. Now when trying to clear the title on this property during it 's sale I am told there is default on the property. My county recorders office tells me the property shows it was paid off but the wrong instrument number was attached to this. 
XXXX bought all XXXX in XXXX, however since mine was paid off in XXXX it was not transferred to XXXX. The mortgage is now in the hands of BNY Mellon. For weeks XXXX XXXX XXXX XXXX has been trying to clear this title. The contact in BNY Mellon is XXXX XXXX XXXX. I have been contacting XXXX XXXX XXXX at BNY Mellon through email and numerous voicemail. I even went to XXXX with documentation of the payoff for this mortgage. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Northstar Location Services, LLC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
This debt is over 4 years old which is the statue of limitations in Texas. Loan least been charged off by XXXX bank but a 3rd party has started calling my cell phone and my son 's cell phone leaving threatening messages. I want them to cease contacting XXXX numbers.

Company response to consumer: Closed
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has violated my rights. This account originated with XXXX and for privacy purposes the acct number XXXX was opened XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Performant  has been attempting to collect on my federal student loan debt for some time, but I am unemployed and currently on a rehab payment plan at a fairly low amount. However, according to some paperwork I signed over 15 years ago, they added 19 % collection fee to my {$91000.00} loan.     They continually call, and I 've stopped picking up the phone because it causes me   XXXX   XXXX  . They mail me notifications that over {$100000.00} is due immediately. However, they recently sent a notification addressed to me to my parent 's address at a   XXXX   XXXX   where I DO NOT LIVE. They are well aware of MY address, because they send me things. The last notice that was sent to my parents ' address, I had a caretaker write on the envelope to " return to sender '' and " remove this address from your records, '' and it was sent back. I learned today that another envelope has been sent, addressed to me at the   XXXX   XXXX  .     I am dealing with   XXXX   XXXX   over this situation, and it 's not fair that almost {$18000.00} in collection fees has been added to an already high bill that I ca n't pay. But trying to get my elderly parents involved is unacceptable. They are in extremely poor health, I 'm an adult ( over  XXXX ! ) and they do n't need to be involved.

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 2017-01-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten as many as XXXX calls from these people in one day. They call several times a day every few hours, sometimes as soon as 30 minutes later. I do n't answer numbers that are blocked because I do n't know who it is. My husband answered one time when I was away from my phone and they said it was Comenity bank. This is getting to the point of harassment. I work night shift so they are waking me up all day long. Also, I was under the impression that they are not allowed to block their number. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Community Health Investment Company, LLC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, ownership entity of XXXX XXXX XXXX XXXX, on multiple occasions has used deceptive practices in billing and collection efforts. 
Stated a maximum out of pocket of {$1300.00} then billed over {$9000.00} When asked for an itemized bill, it was refused. Later bill simply had total and " miscellaneous charges '' The hospital was informed of the customer 's desire to dispute charges and then customer was immediately turned over to collections. 
Hospital sent delinquent notice of bill addressed to someone other than the customer thereby indicating to someone not on the account or responsible for payment, that the customer ( patient ) was delinquent. 
Hospital 's third party collector PASI called customer and pretended to be the billing department of the hospital without correctly identifying who they were or the intention of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I had to co-sign for my son 's Sallie Mae loan for his senior year of college. According to my MSA, ( Marital settlement agreement ), my ex husband is responsible for XXXX of ALL college expenses, and student loans were NOT to be in the children 's names. I also have a court order ( XXXX XXXX, 2016 ) in which orders the loans to be transferred into HIS name. I have spoken to Sallie Mae, and they refuse to transfer ownership of the loan. Please advise how to proceed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may  be a   XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  credit score  and needs to removed ASAP. This is double hitting my  credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

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 2021-12-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit with a money order XX/XX/21 into my checking account. I was told that the funds would be available for me to use within one or two business days. I waited XXXX days to use my card with that account and Lord be holds my purchase was declined XX/XX/21. I went inside the bank on XX/XX/21 to sit with a teller to ask questions. I was told that some code, that I am still not sure why was placed on that deposit and I had to now wait XXXX days and that it will be placed on hold before funds are released. I asked the teller to see if there was a reason to this and what I had to do if there was anything required for me to do. What I received was still no one being able to provide to me the reason to why other than to wait XXXX days or who I can communicate with via email or phone. I also informed the teller that I been having issue with my online portal password locking me out when I normally do not use or access the account using any app or online login. I normally go into the bank personally to do business. I also notified them that my pin to my atm card was not allowing me to use the card to run transactions. I went back into the bank talked to a teller in the office and I had the worst customer service experience that no one should have to every endure. I waited contacted the customer service department XXXX phone number spoke with someone who asked me to speak with a different banker to see if they could be of any assistance. Which I did as instructed. I waited for the customer service lady to assist me while I was waiting in the common area to prepare to fill out a withdrawal sip while holding a child in my arm. I was then approached by a police officer. I didn't even have enough time between all of this to properly complete all of my transaction I wanted to do for that day. I was told to leave even though I had other funds to deposit into that account. 

I still do not understand what the issue is all of this has happened I had to go to another banking company and make another deposit using a different money order in the same amount and I didn't have any issue with that bank at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Experian Information Solutions Inc.
State: CT
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 in  XXXX  as of   XXXX   XXXX  . As such, I should be afforded all  XXXXXXXXXX  protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all three bureaus ) shows a   XXXX   XXXX   XXXX  E account. I never had a cavalry account. there is a memo that states it  may  be a capital  one  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  XXXX   XXXX  and needs to removed ASAP. This is double hitting my  XXXX   XXXX  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of   XXXX   XXXX   to   XXXX   XXXX     XXXX   XXXX   to   XXXX   XXXX     and Filed Chapter  XXXX    XXXX   on   XXXX   XXXX   XXXX  . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

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 2021-01-12
Company: Southern Oregon Credit Service, Inc.
State: TN
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:
On XX/XX/2020, XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a update on XXXX XXXX and Experian saying I had a credit inquiry from XXXX and I never signed anything or applied for XXXX. Its fraudulent

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 2016-05-05
Company: ENCORE CAPITAL GROUP INC.
State: MO
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 have sent a debt verification for a cell phone line of XXXX who sold the alleged debt to a debt collector. I sent a debt verification letter to both XXXX & the debt collector, and received a return to sender from the debt collector and no response from XXXX six weeks ago. I would like this debt to be removed because XXXX companies have been unable to verify the debt.

Company response to consumer: Closed with explanation