BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on Monday of last week the home owner XXXX XXXX requested that the mortgage company 21st mortgage send another draw because XXXX XXXX has completed everything except the flooring her home. they requested that photos be taken and sent in. they was done so the Thursday. After speaking with the handler of the file it was noted that the check was not sent out to XXXX XXXX, however XXXX XXXX XXXX XXXX the owner of XXXX XXXX purchased a overnight XXXX shipping label in a attempt to avoid the home owner to have to pay a late fee. At XXXX and XXXX XXXX XXXX received a email from XXXX XXXX stating that she received the labels and was about to send it off. After not receiving the check at the time of XXXX XXXX XXXX contacted the XXXX XXXX at Ext XXXX ( supervisor ) for 21st mortgage. XXXX XXXX was advised by XXXX XXXX that the check was placed into a drop box after the pickup time that was allowed by XXXX. Now they knew that the label was a next day air and at the time they received the label they could have placed it into the drop box in time for it to be picked up by XXXX. Now a late fee has be added to this account which is {$490.00}, and the home owner stated that she was n't going to pay it because she is not in control of the claims funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an overdue balance on my XXXX account in the amount of {$430.00}. I initially had a 24 month contract which provided promotional pricing. However, as the end of the contract was coming up, I was unable to login into my online account. XXXX locked me out of my account even though I still had and was paying for service. Each time I called XXXX Customer Service, the wait was over an hour. So I continued to pay the high monthly price even though I really couldn't afford it. It's almost impossible to get through to someone unless you have at least an hour, but usually more, to set aside to call them. 
My service was disconnected in XX/XX/XXXX due to nonpayment. I contacted XXXX XXXX on XXXX ( see attached ) XXXX refused to close my account after my contract was over and until I returned the equipment. This resulted in charges from XX/XX/XXXX through XX/XX/XXXX. ( see correspondence with XXXX XXXX on XXXX ) even though I did not have service. Moreover, I had requested XXXX close my account which they refused to do until the equipment was returned, thus incurring additional monthly charges for services I did not even have. 
I had trouble going in person to return the equipment because of the limited hours they were open. If I returned the equipment via mail, it would take ten days before XXXX would update my account and would continue to be charged until it was received. 

I was finally able to return the equipment on XX/XX/XXXX ( see proof ) via UPS office although I was nervous doing so. XXXX then credited my account in the amount of {$340.00} for the equipment rental. They did not credit my account for a portion of the monthly service charge even though I didn't have service and I requested they close my account. They charged me even after I requested my account to be closed and refused me access to my online account. 
XXXX then put my account in collections on XX/XX/XXXX through CCS Collections in the amount of {$430.00}. This is more than three months after the equipment was returned and the account closed and paid. I have attempted to dispute the information with all three credit reporting agencies, however the account is still showing as an open balance under Collections on my credit report in the amount of {$430.00}. My XXXX report states the account information disputed by consumer, meets FCRA requirements but clearly, this is not inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-01-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!

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 2020-12-24
Company: Franklin Collection Service, 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 have a collection debt on my credit by franklin collections for an accrued phone account of {$4100.00} that was opened while I was incarcerated in XXXX of this year. Upon discovering this I received a text from the phone service to take a survey to a link that I separated the proxy end of the url before send my screenshots and the link to a friend for safe keeping. This link was immediately identified as abusive and locked to my messaging account not allowing me to even delete it. My credit is being effect by something I simply couldnt have done and it seems I've been directly interacted with coming upon it ; held by an agency with past lawsuits for fdcpa. I hope you can talk

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Weissman Attorney at Law
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My names is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer XXXX XXXX XXXX and I have been having accounting and servicing issues with my mortgage loan. My payoff is wrong amongst other accounting issues. I sent a QWR to XXXX XXXX  XXXX. XXXX sent me a letter back stating that XXXX XXXX XXXX. was the owner of my loan. InXX/XX/XXXX I decided to call XXXX directly to discuss my payoff. When I called XXXX XXXX they stated that they did not have my names, address or social security number in their data base. XXXX also stated that they do not own my loan or property. I called again in XX/XX/XXXX to make sure the information that was given unto me was proper and valid. In XXXX I was told the same information. XXXX does not own my loan/property ; nor does XXXX have record of my personal information within their systems. 

In XXXX a 3rd party debt collector ( Weissman P.C. ) sent me a letter stating that his firm was attempting to foreclose on my home on behalf of XXXX XXXX XXXXXXXX and XXXX XXXX. 

The Supreme Court of Georgia ( You vs. XXXX XXXX XXXX ) ruled about 6 years ago that only a secured creditor has the authority to foreclose. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX of Georgia ruling ) states that only the secured creditor has the authority to authorize/advertise a non-judicial foreclosure in Georgia. 

I have put XXXX XXXX  XXXX and Weissman P.C. on notice that XXXX does not own the loan. However, XXXX XXXX and Weissman P.C. are still attempting to collect a debt on behalf of XXXX XXXX XXXXXXXX. These actions are illegal. This is theft. This is immoral and needs to be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Attending XXXX from XX/XX/XXXX XX/XX/XXXX. This was the first time I had ever attended college. It came down to the last quarter of my XXXX degree and was told had no student loan funds available. Next thing, all of sudden funds were available if I signed to continue degree. After I graduated I received notice that I owed {$46000.00} in federal student loans and have XXXX private loans through XXXX totaling {$18000.00}. The peaks amounts were due immediately upon graduating. And when I went back to school at XXXX University were not deferrable unless I returned to XXXX. They can not be consolidated with all my other student loans. In addition, they require that I send separate payments for each loan in separate envelopes. When I try sending them together as XXXX check the payment only gets applied to XXXX loan even though I have the invoice stubs enclosed with the amounts indicated for each loan, and the one they did n't apply it to I 'm hit with a late fee of {$10.00}. When I called about it that was when I was told had to be separate check / separate envelopes. 
After Graduation XXXX repeatedly called me wanting to know where I was working, even though I have worked in the same job as when I started school. The many times I went to the school Career Counselor, for potential job prospects my information was filed in a cabinet and never received a call on anything. Several times they called and wanted to take credit for my position at XXXX which I had long before even starting school. As a friend still works for XXXX, a couple of times she has overheard the Career Counselor state to potential students that she got me the position at XXXX. I have worked there for 28yrs now and in way shape or form did XXXX ever do anything for any of the positions I have held there. I would not recommend this school to anyone ... .EVER!!! And XXXX Private Student Loans is a bunch on bull also ... ..if it would n't ruin my credit I would tell them what they can do with their separate checks/envelopes.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being repeatedly robo-called by the Credit Protection Association " on behalf of the XXXX XXXX XXXX  XXXX. '' I do not have any outstanding debt, as I have never had ANY debt, related to the XXXX XXXX XXXX XXXXXXXX. 

I have contacted the Credit Protection Association twice, which can not find any of my idenitifying information anywhere in their records -- -including my phone number, which continues to receive automated calls daily -- -and have been advised that because they can not find me/my phone # in their system/database, they can do nothing to stop the calls. 

Therefore, I have also contacted the XXXXXXXX XXXX XXXX XXXXXXXX directly, which confirmed that the Credit Protection Association is an in-house debt collection agency, and also confirmed that I am not in their database, and do not owe any amount -- -yet, they too claim to be powerless to stop the automated calls I am receiving daily.

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 2016-02-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian has relied on XXXX arguments to keep a delinquent mortgage payment reporting by such debt collector in my credit report citing " The result summary provided by XXXX on XXXX XXXX, XXXX ''. In addition, Experian maintains that FCRA does not require that consumer reporting agencies act as mediators or negotiatiors in account disputes. 

I have not been asking Experian to act as a mediator or negotiator in my dispute with XXXX 's malicious delinquency reporting alleging a missed on-time mortgage payment. I am simply stating that such delinquency reporting is not warranted and that it must be deleted from my credit report. In fact, on XXXX XXXX, XXXX, I requested from XXXX a mortgage pay off amount and which it provided and full payment was made on XXXX XXXX, XXXX prior to XXXX XXXX, XXXX through which the payoff quote was valid. 

According to the following real estate transaction manifest, " Once the property is sold and the debt is paid, the mortgagor 's obligation to the mortgagee is over ''. Consequently, XXXX does not have any basis whatsoever to report the loan delinquent once it had received all of its payments within the time frame stipulated in its pay off quote. Experian 's decision to accommodate XXXX 's abusive & capricious action, is in fact totally an act of pure discrimination toward me by both Experian and XXXX. This has been going on since XXXX XXXX, XXXX when the mortgage was acquired from XXXX XXXX Mortgage XXXX at an interest rate of 7.938 % and, the mortgage subsequently transferred to XXXX, a debt collector, for servicing. Immediately after the financial meltdown of XXXX, I repeatedly requested from XXXX to have the loan modified which it never agreed to claiming that I was wealthy enough to support the mortgage payments at that high interest rate while the property had devalued significantly. In fact it was puchased for {$230000.00} in XXXX and sold for only {$180000.00}, after many years with that heavy financial burden. The loan was paid off in its totality within a certain time frame and therefore can not be reported to be delinquent.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
UNITED STATES CONGRESS states TRANSUNION is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TRANSUNION is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT under 15 USC 1681b. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why are you TRANSUNION violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did NOT request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. TRANSUNION is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable for under 15 USC 1681n and 15 USC 1681o

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 2016-01-07
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN loan servicing has not only mis-applied mortgage payments consistently, they are also holding XXXX in escrow funds. Their sub-contractor XXXX has also falsified inspection and appraisal reports regarding the mortgaged property. In addition they issued another XXXX in repair funds to a contractor who then mis-appropriated that funding against XXXX falsified inspection reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
While I was banking with Wells Fargo in XXXX2022 they would keep charging fees for items that I didn't have enough to cover I would put the amount in to cover it as well as enough for the item. They would take out more fees and they even went back to the ach auto payments I had and reversed the payment and put all my accounts into default.

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 2020-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
i got a phone all from an a debt collector that i was paying off medical bills then the night of the XXXX of XXXX they call me at XXXX XXXX. i have a screen shot of the time i received the missed call. my number is a Nevada number but live in Tennessee and that is where the medical bill is from as well.i have talked with these people in the past and they know that i am in Tennessee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase has closed my card ending in  XXXX  after filing disputes with them for t  he 2nd time in two months today.
Earlier on I pointed out that Chase went on the record lying about the status of several disputes &   then contradicted the earlier finidngs. I have attached the letters for your review and the proof of returns associated with the  XXXX  dispute.   Documentation was sent to the online chase.com customer messgae center and the content of the letter from phantom employee "  XXXX   XXXX  '' was an attempt to deny the disputes.   I want copies of all documentation this ghost used to arrive at " his/her/gender neutral '' opinion and the money refunded to the balance immediately.   As me balance is in dispute these bandits are preventing me from paying off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2017 XXXX XXXX Equifax- I have and evidently continue to have major problems with the soc alled credit reporting agency- last year I placed a Security freeze implemented by XXXX on all three reporting agencies which proved useless and causing me severe financial harm. I then had the Security Freeze removed directly by Equifax staff only to have it reestablished when they were hacked as a free offer by them.! The now send me a letter explaining they can not install the freeze even though they offer it and they did not secure my personal financial and private information.

Company response to consumer: Closed with explanation