BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: Receivable Management Group, Inc. (GA)
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Receivable Management Group , Inc. saying I owed {$2400.00} from a XXXX, hospital stay etc.XX/XX/XXXX thru XXXX/XXXX/XXXX. I did have the XXXX etc. however I was and still am on my husbands Ins, XXXX XXXX, and was told by the ins co, that not only do I not owe anything that during those dates it was a global period. I also talked to the finance department at XXXX XXXX XXXX and was told that I owe nothing and that I have a XXXX balance as of XXXX/XXXX/XXXX. They also told me that they do not contract out with Receivable Management Group , Inc. 
When I talked to a XXXX XXXX who claimed to be a supervisor he said that I was lying and that BMI did contract with them. I asked him for a proof of debt and the break down of the bill that 's when he hung up on me. The person that I spoke to at XXXX XXXX. offered to call XXXX XXXX and have a 3 way conference call with my permission, he refused and preceded to hung up on her. I have been working diligently on improving my credit. If I felt that I owed XXXX I would definitely pay this bill. The last amount I owed XXXX was {$740.00} which I paid the entire amount in full. I not sure where to go from here. I just want to remedy this situation as soon as possible. XXXX 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 2016-10-02
Company: Financial Corporation of America
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Firstly, Financial Corporation of America always sends debt collection mail without any detail of service. 

I received a debt collection mail, asking me pay {$61.00} to XXXX XXXX XXXX, for the service conducted on XXXX/XXXX/2015. There was no any details of the service and evidence of they contacted my insurance company already. 
I called them, and they sent me a XXXX lines service details. The original cost was XXXX and after insurance, I need to pay {$61.00}. 

I paid {$61.00} to them, although I was not that clear about the services, but I knew I did see doctor on XXXX/XXXX/2015. 

Then around 10 days later, I received another letter from Financial Corporation of America, which asks me to pay {$810.00} for the service XXXX conducted on the same day, XXXX/XXXX/2015. Again, there is no any details. 

Firstly, I paid after insurance {$61.00} already. Secondly, It is rude to ask people to pay without any supporting details. 

I demand Financial Corporation of America to stop sending any bill without details for the service and evidence that they contacted my insurance already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our XXXX mortgage in XXXX. The remainder of our 20 % loan went to XXXX bank, then was sold to First Merit sometime in XXXX. We recieved monthly statements showing our payment amount, including an amount going to principal and interest. We continued on time payments until XXXX XXXX, at which time we sold our house. At that time, there was an issue at closing, when First Merit said we had an outstanding interest balance due of over {$7700.00}. Some time between XXXX and today, they stare applying only a small portion of our monthly payment to interest and the rest to principal, and then we 're tallying up the remaining interest as something we owed behind the scenes. This was never disclosed to us on any bills, and since we knew that some amount was going to interest every month and that we were paying the mortgage down faster than expected, we did n't question whether the amount the bill showed as our interest due was accurate. 

The result was that instead of getting back {$2500.00} that we expected at closing, they said we owed {$4500.00}. We moved out of state and we 're prepared to take some degree of a loss on our house in order to sell quickly ; however, we would have made some very different decisions had we any indication they were not honest in allocating the money we sent. 

We would like to know if we have any recourse. We do not feel we should be accountable to pay this amount. It was supposed to be a 30 year loan, and for at least the first year, the money was being applied to interest. What would have happened if we 'd reached the end of the loan term? We 're they planning to hit us with XXXX dollars in unpaid interest and repossess our home?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-11
Company: EMCC Holdings, LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2016 a formal notice of dispute was sent certified mail to Equiant Financial demanding the validation and verification of an allege loan debt, Equiant Financial failed to respond. In XX/XX/2016 a second notice was sent demanding validation and verification of an alleged debt, Equiant Financial failed to respond. in XX/XX/2016 a third notice was sent and Equiant Financial failed to respond. 

Equiant Financial is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Equiant Financial is violating XXXX Laws which require a debt collector to cease and desist collection activities prior to validation of alleged debt. Equiant Financial continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under XXXX and XXXX laws. Equiant Financial is sending mail with false and fictitious names, a criminal conduct falling under XXXX XXXX XXXX. XXXX - Fictitious Names. 

I also reviewed my credit report and noticed Equiant Financial continues to publish negative remarks to Experian and Transunion credit agencies. Equiant Financial also failed to report this debt to the credit bureau as being disputed. This is defamation of character and a violation of Fair Credit Report Act which falls under willfully non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 this complaint because CAPITAL ONE AUTO FINANCE has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accouts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ..promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
In XXXX 2016, I submitted a payment in full for the amount of {$490.00} from my XXXX card. I received a call stating that XXXX did not allow collection companies to charge customer accounts. I called XXXX and they stated there was no reason they would refuse to pay the account was in good standing and credit was available. I submitted {$250.00} from my debit card. I got another call and this time the rep said that they did not accept XXXX cards as payment contrary to the last rep that said they tried to run the card and the authorization failed. This company lied and now it XX/XX/XXXX and this should have all been resolved in XX/XX/XXXX. They are destroying credit by falsely refusing to apply payment. By Illinois UCC the refusal to accept payment for {$490.00} ( the full amount owed ) is grounds for dismissing the debt in the amount of the attempted payment. By law I should owe nothing and they should have to refund my {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: Amsher Collection Services, Inc.
State: GA
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:
I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: POPULAR BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I recently opened an account at populardirect.com, a division of Banco Popular North America. After requesting twice they delete the external account I had linked for transfers and were unsuccessful, I decided to close my account. I 've requested the account be closed and all funds returned to me over a month ago. I 've contacted them approximately 5 times and each time there is some problem why they ca n't close the account. I 've been told conflicting things each time I contact them. For example, I was told they could ACH the funds to another account once the account closure is initiated. Yesterday, on XXXX/XXXX/16, the customer service rep. indicated that they could only release the funds via check after I sign a document which may take XXXX10 days to receive. They are unable to fax/email the document.

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 2021-02-07
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$1600.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} XXXX -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: FCI Lender Services Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in XXXXXXXX but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on XXXX XXXX, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history??? 

Also in the denial FCI states that there was no type of good faith down payment offered toward the arrears. This is false, we offered them $ XXXX earlier this year in order to get them to work with us. Not only are they denying us access to programs and inventing guidelines as they go they failed to offer us the option for mediation in the state of XXXX, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was put on a program paying {$400.00} an month for 12 months for all my student 's loans including the one I cosigned. Now I called them to check the status of the program and I was told that they XXXX I cosigned was not included. In good faith I made my first payment in XXXX and authorized Navient to take every month the amount of {$400.00} from my debit card every month. How it is that now that loan was not included? And even when I asked what 's lower that the monthly payment could be the representative reluctantly said there 's nothing she could do because the loan is not 90 days past due. They should n't be lying if they know that they ca n't combine the payments for every loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please read this Please read this I have made this complaint twice now and your company keeps blowing me off and saying it is resolved IT IS NOT RESOLVED This has been going on since last year This Banco Popular XXXX XXXX XXXX has not listed my mortgage payments on my bank mortgage account. I have submitted my paperwork prior. I pay EVERY MONTH yet they STILL have not listed my XXXX payments on the account. They will not help me and say to call XXXX XXXX where they hardly speak English and I can not speak XXXX, yet I got the loan at the Banco Pop XXXX XXXX XXXX XXXX They will not mail me my monthly statements and I ask and ask and ask They are lazy and rude there. How can they not mail me my monthly statements They don't keep my credit company monthly payments up to date either I can not get anyone to email me about if my mortgage total is really being paid off correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft. My social security number was originally mixed up with another woman 's because they differ by XXXX number and we have similar names. I have spent XXXX on investigations and removals of other items off my credit report that have been removed. However, its not enough. I cant ever get a decent deal on a car, get a credit card or apply for a home loan because of this. This is my last resort, i have done everything I can to solve it with the credit reporting bureaus and its still the same. I would someone to investigate the mix up. Because my identify was stolen by this person after one of the credit bureaus had first reported some of her credit items on my credit report. That was how she got a hold of my personal information in the first place. After that she took advantage and kept using my name to have creditors grant her credit under my name. I was able to delete most of those items from my credit report. However, the items I can not remove are the ones that are incorrectly reported on my credit report but are under her name and social security number. That is the reason why I can not get them removed. I need to know if there is something I can do. Thank you in advance.

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 2016-11-21
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SunWest Mortgage Keeps on calling and sending letter saying our account is seriously past due not respecting the 15 day grace period calling my cell phone and job threatening to take action and foreclose on property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been writing letters to the XXXX major credit bureaus, XXXX and Transunion since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and XXXX are reporting a balance of {$17000.00}, while Transunion reports a balance of {$17000.00}. The Date of Last Payment also does not match! Transunion reports XXXX/XXXX/XXXX, XXXX reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX and Transunion. For instance, the Open date on XXXX says XXXX/XXXX/XXXX but on Transunion it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car.

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