BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
( XXXX XXXX ) placed a collection on my XXXX XXXX  that was from XXXX XXXX. I Have been an a victim of XXXX XXXX for a few years now.. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2015-11-10
Company: Nationwide Debt Management Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On Monday XXXX XXXX 2015 at XXXX EST I returned a phone call from a debt collection company called Nationwide Debt Management Solutions . An employee from the company answered the phone who identified himself as XXXX. XXXX began to give me information regarding my debt and the reason for the phone call. XXXX asked me to provide him my personal financial information and where I worked. I declined to provide this information as I felt unsafe to do so without receiving written notice. 

Abruptly another male employee jumped on the phone identifying himself as XXXX XXXX, Collections Manager, and demanded I provide the information XXXX requested or they would n't be able " help me '' with making payments. He threatened me that he would tell his staff not to provide me payments if I did n't give him my personal information. XXXX went on to use abusive and aggressive language by demeaning me by in a hostile tone, " you know your financial situation. '' " If you do n't tell us the information we need to know then we wo n't be able to setup payments. '' The harassment continued on with his bullying tactics and trying to scare me while the other employee XXXX did nothing. 

This company has XXXX complaints filed with the XXXX. Someone needs to take serious corrective action against this man and his company. It is not the Wild West and if I am held accountable to a low credit score due to my personal financial situation then unprofessional and harassing collections agents need to be held accountable for their unprofessionalism and abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: BB&T CORPORATION
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over the course of 7 months of negotiations and several foreclosure sale postponements. We accomplished raising money to Fully Payoff our XXXX Mortgage ( BB & T ) and Short Pay XXXX Lien Holder ( XXXX-HELOC ). Another Foreclosure date was set for XXXX XXXX, 2016, without my knowledge, no notice to XXXX Lien Holder, and No notice posted on XXXX XXXX XXXX, webiste ( Foreclosing Attorney ) We were in bi-weekly communication with XXXX XXXX XXXX to obtain a updated payoff and no one mentioned New Sale date. We would have put in a request for postponement as in previous occasions. Most assuredly with money coming from IRA account to pay it off. However, We closed on XXXX XXXX, 2016 using a copy of my husband Power of Attorney. He was out of state in XXXX XXXX XXXX XXXX and hard to reach. He gave me POA to sign closing docs for him. The Original POA was lost in the mail and another had to be sent. On the afternoon of XXXX XXXX, 2016, The Title Company received the Original POA and began to disburse funds. They hand delivered the check to Junior Lienholder on XXXX XXXX, 2016, and then called to get a daily per diem to payoff BB & T via XXXX XXXX XXXX. XXXX advised the Title co that the property had been sold that Morning XXXX XXXX, 2016 to a Third party ( local Investor-Non Owner Occupant ). We began to communicate directly with BB & T that Full Payoff was available if they accept the payoff. BB & T advised they could more than likely allow Us to redeem the property due to State of TN 730 day Redemption Period. Even IF we Knowing or Unknowingly waived our rights to redeem int he original Deed BB & T could work around this to accept Full Payoff regardless to Third party buyer. 
BB & T sent request to XXXX XXXX. XXXX XXXX advises me as of XXXX XXXX, 2016, that it is at the discretion of the Servicer and their attorney to allow borrower to redeem the property. 
XXXX XXXX XXXX do NOT want to approve XXXX XXXX for XXXX. I find it strange and unjust that XXXX should reject the actions taken by their client to work with Us. XXXX XXXX XXXX is not interested to accept Full Payoff. XXXX wants the foreclosure sale to stand in spite of my conversation with BB & T ( XXXX XXXX XXXX 's client is attempting to work with Us ) BUT XXXX XXXX XXXX do not want to work with Us.

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 2016-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
At the time that this account was opened I had insurance ( moped XXXX insurance ) that covers all emergency services that XXXX XX/XX/XXXX offers. But yet they still sent the account to collections ( Amerifinancial Solutions ). And also they did not ask my permission nor did I authorize them to share any of my personal information with Amerifinancial Solutions which is a direct violation of my HIPAA rights.The account number in question is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan with advanced financial. After I began having difficulties with them taking out payments whenever they felt like it, I rescinded their right to debit any of my accounts. Verbally, over the phone, in writing, and on their website. They have continued to debit my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: SC
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXXXXXX 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 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 2015-12-07
Company: GOLD KEY CREDIT, INC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
several years ago I was victim in a car accident in which i had XXXX. However, the Lawyers that I had working on my case had conducted a sham job, from one day to the next the medical bills were not paid and and bill increased i had went to therapy and was getting charged for thing that were not performed, per the the Law firm and the attorney on the case stated they were paid. Once I revealed what they were doing on my case, the lawyer secretly summons a petition to have them removed from the case these bills were intended to be paid as the lawyers stated they were

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSWORLD SYSTEMS INC
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I held an XXXX credit card while XXXX XXXX military that was unknowingly written off to TransWorld Systems Inc ( TSI ). TSI has garnished my federal tax returns without a court order and refuses to send me any information regarding my account. I have asked repeatedly over the last 18 months for a written statement disclosing my account number, monthly fees, interest rate and current balance. I have yet to receive anything, yet my account balance is still raising astronomically each month. I have spoken with a lawyer regarding the unlawful tax garnishment, but was told I can not do anything about it. TSI has deceptive debt collection practices and is ruining my credit no matter how hard I try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The servicer continually claims that the complaint is similar to previous complaints and then proceeds to NOT send the documents requested in the QWR and RESPA request. I have submitted multiple QWR to the lender requesting items required to validate the debt and to validate the actual transfer of the servicing of the loan to them and also to validate the note holder. I also have requested specific information required to validate the accounting that goes ALL THE WAY TO THE ORIGINAL LENDER ( they claim they do not have the accounting of fees, interest, charges, payments that go beyond them and maybe XXXX XXXX XXXX ). Additionally, I requested that the transfer and assignment documents be certified as correct by an executive authority for the note holder or servicer. I have requested that they provide documents showing that they notified me of my opportunity to apply for the National Mortgage Settlement program due to acknowledgement of errors and actions thru the National Foreclosure Fraud program in which there was compensation sent forward to me. The servicer continually avoids sending the requested information in total and then responds as if they have satisfied the QWR and provided all the documents. In short, validation of the debt and facts are not able to be accomplished due to their refusal to provide adequate information. They fail to send information requested and repeated send copies of the original note and then the assignment and transfer document for XXXX XXXX XXXX. THEY HAVE REFUSED TO SEND THE NAME, ADDRESS OF THE INVESTOR OR NOTE HOLDER WHILE CLAIMING THAT the letter received from XXXX is not part of XXXX. XXXX is claiming that they are NOT the note holder and have no records of the property or of me in their complete system. At present, XXXX is showing that XXXX is the servicer of the loan and that XXXX is the note holder. SPS claims that the servicing was transferred to them but will not send anything other than their own letter claiming that the servicing has transferred. They claim that they are not shown as the servicer in the XXXX System because the loan was in foreclosure and it was transferred out of that system due to that. However, there was no foreclosure in place at the time of the aledged transfer of servicing and the audit of the XXXX system requested would verify that along with any removal of the file from their system. In short, the items required and requested repeatedly have not been provided as allowed thru the law. Request complete investigation into the loan and all actions by both XXXX XXXX XXXX and Select 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 2021-01-06
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a call at work I asked them to call me back and the boy on the phone started literally yelling over what I was saying. I called back and a different boy told me I was rude and hung up. I was trying to find out how they got all of my personal information including my card # and social when I have never heard a word from this company. Then he hung up. I tried to call back and the # no longer worked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Convergent Resources, Inc.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been getting a lot of calls on my fax phone which I usually do n't answer. I answered and it was Convergent Outsourcing, Inc., a collection agency. They were calling about a XXXX XXXX Bank account. I do n't recall having an account with this company. I am now receiving mail requesting payment in full. I have checked my credit records and if I did have any business with this bank it has come and gone and has surely passed the time limit for being reported to any credit bureaus. I became a total and permanent XXXX veteran quite a few years ago, XXXX hit and I was living on the streets for awhile waiting for my XXXX compensation to start. That took about 13 years. Since then I have worked very hard on cleaning up my credit and at this I only have XXXX derogatory mark which is a paid charge off. I am still working on getting that removed since I have paid it. In all those years there was nothing about this bank. I checked online and found a lot of bad reports about all companies involved XXXX 

What I want to know is do I have to worry about something like this showing up in my credit reports and are there any actions I can take to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: SUNRISE CREDIT SERVICES, INC
State: GA
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:
Today I received a credit alert stating a new collection account was added to my XXXX credit report. First of all I never received a debt verification letter from this company. Only from my credit monitoring I find out that this is for a cell phone that were returned and that these charges are fraudulent. 
This company never sent me anything regarding this fraudulent account. They are required BY LAW to send me a letter allowing me to dispute this and request verification. THIS WAS NEVER RECEIVED. this company does not abide by the FDCPA.

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 2015-06-16
Company: Firstsource Business Process Services, LLC
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX hospital of XXXX XXXX has been sending us medical bills asking us to make payments on bills that have already been paid by the XXXX our health insurance company. They recently sent XXXX of our bills to a collection agency called Firstsource advantage. Firstsource advantage has been leaving automated messages on my wife 's work phone. They also sent us a letter in the mail trying to collect the money. My wife, out of panic made a FULL payment of those amounts resulting into a double payment to XXXX hospital. I am attaching below XXXX payments XXXX made to XXXX hospital including the EFT payment code and date. XXXX hospital is trying to collect the SAME bill from us. 

1. Claim DetailsLearn More About Your Claim Details and Paying Claims Online {$300.00} Total Amount billed by Health Care Professional : {$220.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( You ) Date ( s ) of Service : XXXX : XXXX : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT Number:XXXXHealth Care Professional : XXXX XXXXYou PayYour Plan PaysAmount $ XXXX received by XXXX on XXXX/XXXX/2015 {$220.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open XXXX, WITH XXXX $ XXXX paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : CLAIM XXXX DetailsLearn More About Your Claim Details and Paying Claims Online {$420.00} Total Amount billed by Health Care Professional : {$290.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( Daughter ) Date ( s ) of Service : XXXX : MedicalStatus : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT XXXX Care Professional : XXXX XXXX PayYour Plan PaysAmount $ XXXX received by XXXX XXXX XXXX/XXXX/2015 {$290.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open AllMEDICAL SERVICES $ XXXXNot paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : THIS IS A SCARE TACTIC BEING USED TO COLLECT MONEY ON BILLS WHICH WE DO NOT EVEN OWE.. NOT ONLY ARE WE CALLED BUT WE ALSO HAVE TO LIVE IN THE FEAR OF BEING REPORTED TO CREDIT AGENCY AND OUR CREDIT HISTORY WRONGLY MANIPULATED. THIS IS UNETHICAL AND IMMORAL. XXXX and XXXX 's hospital IS RESPONSIBLE FOR IT BUT SO IS FIRSTSOURCE ADVANTAGE llc. WE WOULD LIKE OUR MONEY BACK. PLEASE CONTACT US VIA PHONE OR EMAIL FOR FURTHER QUESTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, 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:
XXXX replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is XXXX 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions for XXXX ending in XXXX ; permission was never requested from XXXX nor given to allow for the over-the-limit-fraudulent transactions. ''

Company response to consumer: Closed with explanation