BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit Management continues to make multiple calls to my home on a daily basis, seeking to collect on a debt that belongs to someone else. I have told MCM that I am not the person they are seeking and do not know anything about this person. I have asked them to stop calling my number, which I have had for more than 20 years. The calls continue but when I pick up no one is there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a medical collection reporting on my credit report from a company I do not have any recollection of doing business with ( XXXX. ) I have disputed multiple times with Equifax, only to have them reaffirm the account without providing any proof that the account belongs to me. For this reason, I want the account removed. I have disputed the account three times only to have Equifax update the account information, not provide me with information, and continue to mar my credit report. I am losing out on credit because of this, and this is my last resort to ask that it be removed off my reports before seeking legal remedies. It is not reporting on ANY OTHER CREDIT REPORTING AGENCY. Equifax has inserted this without proof it is mine, and continues to report a collection that is not mine on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: BB&T CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is with BBT, I have property tax and insurance escrowed. My loan is {$170000.00}, my monthly escrow is {$370.00}, my appraisal is {$230000.00} and assessment is {$2300.00} due in XXXX each yr. My escrow balance was {$4000.00} and my account has never been late.I signed up for online banking 2 weeks ago and saw BBT debited my escrow for {$16.00} to pay my property taxes. Now this is not a new loan, the bank has a file with my property description, value, name on tax ticket, and of course the correct amount due because I pay escrow & they do a Escrow Analysis each year. I checked with the XXXX XXXX Tax assessor web site and saw my taxes were delinquent and a 21 % penalty.This is a huge problem because property gets sold and then you have to go thru a 3rd party to buy it back. I was so shocked because I know Banks have strict rules that govern paying escrow payments on time and accurately. After multiple phone calls and BBT employees telling me the bank will pay and I would not be responsible for the penalty, I sent faxes and finally a legal " Notice of Error '' to document my written request. My taxes were finally paid after 2 weeks but BBT also charged my escrow for the {$550.00} penalty.My position is that Red Flags should have been raised when they issued a {$16.00} check to pay my taxes. Where are the safe guards, common sense and professionalism in paying {$16.00} in taxes on a large mortgage? They are blaming me because they paid the wrong tax ticket. They paid a ticket on XXXX acres unimproved hillside property, valued at {$1600.00} in SOMEONE ELSES NAME. I have nothing to do with the tax assessor office, I do n't know my tax # unless I look it up. The bank does however have my file and all info. Because they paid the wrong ticket, they are charging my account for the penalty. The Bank has an agreement with me that we both signed to pay my taxes on time, and I do n't see any ifs, ands or buts in the agreement. All they had to do was be proactive, check the tax web sight & they could have avoided this disaster.

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 2016-08-17
Company: Green Trust Cash, LLC
State: WY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Applied for a payday loan on the internet for {$350.00} ; they attempted to charge me 741.92 % interest making my total payments {$1200.00} ; upon research I have found that Green Trust Cash, LLC is not licensed to do business in Indiana. I had paid back {$350.00} by auto draft before I closed the account, and sent them a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BB&T CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
THE ECONOMIC TURN DOWN DROPPED OUR PROPERTYS VALUE BY OVER XXXX %. WE ARE UPSIDE DOWN. OUR LOAN WAS BOOK AT XXXX % AS A XXXX DUE TO OUR FINANCIAL STRENGTH. WE HAVE NEVER PAID ANYONE LATE, NEVER. BB & T HAS BEEN CONTACTED SEVERAL TIMES ASKING FOR A LOAN MODIFICATION. WE DO NOT QUALIFY AS WE PAY ON TIME. BB & T WAS ASKED WHAT PROGRAM THEY HAD TO HELP PEOPLE IN OUR POSITION XXXX YEARS AGO. WE WERE TOLD SOMETHING WAS IN THE WORKS BUT NO PROGRAM HAS BEEN ANNOUNCED. A SECOND MORTGAGE COMPLICATES THE ISSUE AS XXXX WILL ONLY SUBORDINATE IF THE NUMBERS WORK AND OURS DO NOT.

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 2016-06-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
In 2007, I had a XXXX Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Financial Credit Network Inc
State: CA
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:
Fin CR netwk- XXXX XXXX XXXX XXXX was opened not by me, but was open fraudulently by someone else on XXXX which now amount on the account report balance is XXXX XXXX Ive tried to dispute this problem numerous of times, but no luck I never lived in XXXX XXXX, and my credit report said that the company is in XXXX XXXX I had lost my wallet back in 2019 which contain my drivers license and my social security card.I then reported fraud on my social security number once I found out that my ss # was being used fraudulently. Please I need to dispute these fraud charges that are pending against me thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: U.S. BANCORP
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Receiving calls in excess of XXXX times a day and nonstop on weekends. Have asked repeatedly to stop calling during inconvenience times and on weekends. They reply with " we are debt collectors and are allowed to call whenever we want, even if you have asked to stop, in order to collect a debt. '' They are rude and are harassing myself and my family. The debt they are attempting to collect has been paid and there is no debt to be collected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
At my mortgage signing in 2004, which my spouse was not a borrower on, he signed the mortgage note in error. The lender ( XXXX XXXX XXXX ) put a hand-written note on the last page stating that he 'd signed in error and was not a borrower. All other paperwork has my name only. I just learned about this while trying to do a loan modification with a different mortgage company. Neither XXXX or XXXX ( acquired when XXXX went under ) ever had my spouse on any documentation for 12 years until the new company bought the loan from XXXX. The new company wo n't do my modification without my spouse listed as a borrower. I 'm appealing their decision, but other than hiring an attorney, I 'm not sure what legal recourse I have? Seems like if the lender put a note on there and sent it straight to the bank, that would be enough, right? I 'm going to my county 's courthouse to pull the signed deed, etc ( I was only given blank paperwork with no signatures at signing ). Please let me know if there is anything else i can do. I really need this modification, but do n't want to perpetuate signing incorrect documents that will have an effect on us in the future when we try to buy/sell, etc. Thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We applied with our lender for a loan modification before and after our Chapter XXXX bankruptcy. I had been out of work for two years and my wife had XXXX. We are on our feet again and want to keep the home and pay the mortgage, The lender, US Bank seems to be purposefully doing our loan modification application slowly while at the same time there is a trustee sale scheduled for XXXX/XXXX/2015. We have a account contact person but they are not helping in any way and never return our calls or emails. The trustee attorney for them is no help either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan is through Navient. Coming out of college ( XXXX ) they wanted {$1200.00} a month, which was impossible. They offered me a reduced payment plan which turned out to be an interest only payment which caused my loans to go up instead of down. Which does n't make any sense because if I was paying interest why was the loan going up? They now require {$1400.00} a month and offer no help except interest only payments again ... which will only continue to put me into more debt for a longer amount of time and pay them more than XXXX of my lifetime earnings. I have already paid them almost {$86000.00}. At this rate it will take XXXX years to pay the debt and they will receive about {$460000.00} for what was originally {$160000.00}. The company has also told me I have defaulted on these loans. An untrue statement and I have printed all my bank acct statements to show a payment each and every month since loan payments were due. 
They have also continued to raise the interest on my loans. XXXX of these loans is 10 %! How is this student help? They were dishonest in offering repayment plans that are no help to me and also in information they have given me about my loan and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have attempted to save my home from foreclosure for the past 3 years : I have {$200000.00} to pay towards my mortgage and I am getting no where with Select Portfolio Servicing : They say my investor XXXX does not participate in modification but I find information that states that they do : I just want to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: First Data Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX claiming that I owe XXXX {$25.00} and an additional fee of {$25.00}. When I attempted to submit a dispute on their website with several different browsers, a " submission error '' was received. 

I dispute this charge because I did not make any purchase from XXXX or one of its merchants on the date in question ( XX/XX/XXXX ), I have not used handwritten cheques since XX/XX/XXXX ( and have not ordered any for my current account ) and have never had one numbered XXXX or anywhere near XXXX ( my chequebook was numbered from XXXX up ), I closed my original checking account on XX/XX/XXXX because I accidentally sent my financial information to a stranger online ( perhaps that is what this stems from ) and none of the accounts I use for online purchases show ANY attempted debit from XXXX on the XXXXXX/XX/XXXX, so please, correct your information.

Thank you and may the XXXX be with you.

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 2015-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called SPS Portfolio Servicing to make my XXXX mortgage payment on a permanent loan modification and was transferred ( 6 ) times to different representative. Lastly XXXX XXXX, SPS Collections Manager tel : XXXX working hours XXXX -XXXX ( Monday through Thursday ) indicated that the instructions from SPS Attorney, XXXX XXXX was to refuse payment and transfer the call to her office. I have tried at least 6 times to make the payment over the phone. On hold now for 1 hour 45 minutes. I have asked to speak to upper management by XXXX XXXX indicated that he is the manager on duty and can not accept my payment per SPS Attorney, 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 2015-09-08
Company: BB&T CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Last year ( XXXX ) we bought a house and financed it through XXXX Bank. Later the loan was sold to BB & T bank. Last month ( XXXX ) we refinanced our loan. With the refinance process, a new escrow account was set-up with the new lender XXXX XXXX Bank XXXX and it was funded at the close ( for about {$2500.00} XXXX We have already received the letter from BB & T ( the previous lender ) that the loan is paid off. At the time off the refinancing, BB & T had about {$2100.00} dollars in the escrow account. Since then I have asked BB & T various times over phone and via their secured online email process that when the escrow will be refunded back to me. So far I am not getting any straight answer. 

I want them to return BB & T my full escrow amount without delay and would like your help in resolving this without delay. 

Thank you for your help in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: I.C. System, Inc.
State: AZ
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:
This debt was paid and this inquiry was removed from my credit report. It now shows back again on my credit report. This information is inaccurate due to debt being paid already and I have proof of snap shot picture on my phone showing this is paid and was removed from my credit. I can and will supply proof of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Paypal Holdings, Inc
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I check my credit report regularly, and I noticed today that in XXXX, 2015, Paypal Credit performed a hard inquiry which I did not authorize. I already have such an account and neither my wife or I applied for another. In contacting them, they only have record of an application for credit with my SS number, which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. For whatever reason this company did n't get a termination letter so still want to keep this is my name when clearly I had a lease with real estate XXXX in XX/XX/XXXX till XX/XX/XXXX. At the beginning I called them trying to work something out thinking that for the time I was there I owed something. Shortly after I investigated the entire situation and realized they 've made a mistake. I want this company investigated and shut down I already filed a complaint with them before plus with the credit bureau having them investigate 6 times but they just try to send it back to them. I want someone to be done. XX/XX/XXXX they are accusing me and its XX/XX/XXXX??? Really they are that thirsty for commision bc their scams are n't working so they attack the ones that actually calls them trying to resolve thinking that they will talk them into paying whatever they say. Please review closely and this time you have my permission to shut them down. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this pro

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've sent letters to this agency to verify this remark on my credit report. They have not sent any verification and it remains on my report.

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 2016-09-23
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection agency IC Systems is attempting to collect a debt from me on behalf of XXXX for unreturned cable equipment. Firstly, XXXX has confirmed that I did return the equipment and owe them nothing. Additionally, XXXX has told me that IC System is no longer an authorized collecter for XXXX, and is in fact harassing XXXX customers.

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 2015-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I spoke with Equifax employee XXXX from the XXXX team on XXXX/XXXX/15 around XXXX to XXXX this phone call was recorded so you can go back and listen exactly what he told me. I asked him how do you receive this information from XXXX XXXX XXXX XXXX because they can not verify this information with myself the company does not exist. I was told that the investigation was only that the Collection company had to do was answer yes or no if the collection from XXXX XXXX XXXX XXXX was mine, there is no checking of social security numbers or address etc. XXXX himself said he gets a lot of calls from other consumers stating that this is not believable and more should be done to investigate disputes. Is this how disputes are conducted by Equifax? This to me does not meet the requirements of FCRA 611 ( a ) ( 1 ). Then I started to conduct my own investigation on Equifax and found out they are paid from companies to place these collections, no wonder they do n't want to investigate the accuracy, a simple yes or no is all it takes. I will be filling a complaint on Equifax and the collection company XXXX XXXX XXXX XXXX to the ILLINOIS ATTORNEY GENERAL OFFICE XXXX XXXX to see if I can get help to file a lawsuit or a civil suit on both companies. I will also start a social media page to see if any other consumers have had issues regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My previous dispute on XX/XX/XXXX stated : As per the creditor ( XXXX ) and the credit reporting agency ( Equifax ), I 've waited XXXX days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report. 
Equifax responded on XX/XX/XXXX : Equifax has reviewed the complaint and its records. The disputed XXXX account is currently not reporting on the Equifax credit file. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/XXXX. 
Relief The disputed XXXX account is currently not reporting on the Equifax credit file. 

Thank you for looking into this matter but there is a secondary action and relief I 'm still waiting for you to initiate. Please reinsert the account which was previously deleted. Attached you will find the credit report sent by you on XX/XX/XXXX showing the account actively reporting. Please re-investigate this matter as I would like you to add the XXXX account back on to my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home.

Company response to consumer: Closed with explanation