BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
same creditor information on my report twice. its the same account but listed twice on my report. when dispute they keep saying account has been verified to be yours and accurate. I 'm not disputing the account is mine, I am saying its the same account on there twice. same start date and everything have asked them to remove duplicate several times and they keep saying the same thing also will not remove outdated information. I have several accounts that are past the drop off date ( date of last payment and date of last activity is past 7 years and have requested that they be remove from credit file and keep getting the same response. this account has been proven to be yours and information updated. again I am not disputing it was mine but that it is past the drop off date and I request it be remove from file. I have had a REAL problem with Equifax when it comes to removing incorrect information, outdated information and information to drop off. also I sent them a money order that stated the creditor agreed to remove negative information from credit report once money order is received and cashed. it is written on the money order. the creditor received and cashed it and the item is still listed on my credit report. I included a copy of the money order with the dispute and received the same reply each time. this account has been verified to be yours and has been updated. again I am not denying that it was my account but that the agreement was to remove it from credit file was money order was received and cashed and it was. I do n't know if they see multiple disputes from the same person and just send an automated response, but what I do know is that my request are not being addressed. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Something is wrong with the electronic payment system at XXXX. I have tried to make my XX/XX/2017 payment twice and the payments still have not been taken out of my checking account. I have tried calling multiple times, but I never talk to a live person. There is a phone number on their website, I have called over and over again, but no person can be reached. Why wo n't they pull the finds out of my account? Will my payment be reported as late? Will I have late fees, will this appear as a late payment on my credit report? I have lots of questions but no one to answer them. I made a payment of {$520.00} on the company website on XX/XX/2017. Then I made a second payment of {$520.00} on XX/XX/2017 also on the company website. Today is XX/XX/XXXX and the money is still sitting in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: United Collection Bureau, Inc.
State: MI
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 have received numerous automated calls telling me to call back United Collection Bureau. Whether I answer or let it go to voicemail an automated recording tells me to call back. When I call back I give my name and nothing else. They want me to providentify further information, address, workplace phone and address, etc. They will not tell my why they called other than they are trying to reach me. Their calls are becoming more frequent. I have not received any written communication from this entity. They are harassing me without telling me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Municipal Collections Services, Inc.
State: IL
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:
My car was stolen XXXX XXXX 2014. The corresponding police report number is XXXX. I was issued few tickets between the time the car was under the possession of the thief. XXXX IL also issued me tickets within that time frame. I explained the situation to them several times and also mailed and faxed the copies of police report to prove I am not liable for the tickets. They still went ahead and referred the ticket to a collection agency. I then contacted the collection agency and explained the situation to them and provided copies of police report. However, they still went ahead and put the ticket on my credit report causing it to drop by a XXXX points almost. This adverse account on my credit is totally unfair. Other tickets issued by other agencies were removed once I provided the proper documentation. I was not liable for this ticket in the first place. I was instructed by the police to provide a copy of the police report to any agencies the issued me any violations to get them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a Cease and Desist to Firstmark XXXX Services via email to XXXX XXXX on XXXX XXXX, 2016, I was then contacted by XXXX XXXX with Firstmark on XXXX XXXX, 2016 trying to collect a payment that only a few days late. I reiterated I sent a Cease and Desist and she replied there was no record of it. I sent another Cease and Desist on XXXX XXXX, 2016 to XXXX XXXX via email. They are still sending me emails other than my monthly and also sending harassing letters to my father. I need this harassment to cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Municipal Collections Services, Inc.
State: IL
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:
I received a letter from secretary of state regarding notice/order of suspension. I attempted to call the collection agency for XXXX XXXX XXXX. However, I requested a print out of all tickets ( debts ). I was informed they could n't provide this information to me. Also, the collection stated '' that my driver license had been suspended and full payment was need :. At this time, I asked for her name and informed her that my license was not suspensed and I never received any information regarding the debt owed. XXXX, stated that she found that hard to believe. I asked to speak with her manager. I spoke with her manager regarding the incorrect information I received and the way I was treated. I questions why did tiffany give me false information and why I never received copies of this debt. XXXX, the manger stated that they reached out and sent me XXXX letters which she is stating its being returned back to them. I find that hard to believe when I receive all other mail. Please help me because I do n't have {$2800.00} and is willing to make payment arrangements as long as they can provide proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BB&T CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The lender repossessed my vehicle at XXXX months past due. This seems egregious, as I 'm on XXXX XXXX, and under medical care. This makes communication extremely difficult. The repossession charge makes it impossible to redeem the vehicle and the lender has shown no willingness to work with me regarding that. This is a hasty reposession and unneeded as I had been paying each month and had not exceeded XXXX days past due. I want to redeems vehicle, and think the hasty actions of the lender make redemption with the added costs unbearable. This is discriminatory and predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My wife and I are building a home in XXXX XXXX XXXX and we went to BB & T for a construction loan. We disclosed to the loan officer in XXXX of 2015 all of the conditions of our construction plans. We also disclosed that we had started construction and were going to build with {$200000.00}. of our cash of the {$360000.00}. estimated total cost. We disclosed that we owned the land outright. Our loan officer, XXXX XXXX, indicated that BB & T would be happy to make the loan after our initial submittal of tax returns, financial statements, retirement account statements, etc. 

Then the endless delays began in the processing of our application. We have been askedthree separate times to update information between XXXX and XXXX. Every time we have updated information for the bank, we experience one to three week delays then receive new requests. 

We explicitly requested that BB & T not move ahead with the appraisal unless they were confident that they could make the loan to us. When they ordered the appraisal and we paid for it, we took this as an indication that our loan was approved. We have never been told that we did not qualify for the loan yet we have never received anything in writing to confirm the loan approval. 

The closest we came to an approval was a request by BB & T to set a closing date on XXXX XXXX 2015. Mysteriously, the closing date was cancelled. No new closing date has been scheduled. 

Each time BB & T requires new information, and we provide, weeks pass with new requests coming. We received an email today, XXXX XXXX requesting information provided to the bank last week. 

Each time we lose our patience, and ask if we have been rejected, they say no, thay are eager to make this work. But there is no end in site. 

We have now spent our planned cash expenditure and are in need of the loan to continue the construction which is 62 % complete.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a letter from Select Portfolio Servicing , Inc. dated XXXX XXXX, 2015 which is an invitation to a Free Homeownership Preservation Event at XXXX in XXXX, NY. We will not be attending the event. We are not a customer of Select Portfolio Servicing and deny any contractual or other relationship with your organization. 

As SPS knows or should know, we have written previously informing SPS that there is no delinquency. We have disputed the debt -- as well as the authority of SPS to act in any capacity in regard to the alleged account number they reference. 

We have disputed this debt ; therefore, until affirmatively validated, SPS knows or should know their information concerning this alleged debt is inaccurate. Thus, since they have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, they must immediately inform them of our dispute with this debt. We have received a copy of such report from Experian where SPS still lists the debt as a mortgage debt. Reporting information that SPS knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. 
SPS continues to persist in pursuing collection efforts without validating this debt, we are herewith informing SPS of another complaint that will be filed with the Consumer Financial Protection Bureau based on their failure to comply with the FDCPA, Section 809. 

SPS has admitted that it is not the servicer of this account or any account in connection with us ; that it is only attempting to collect an alleged debt based on " servicing rights '' ; that SPS has made contractual arrangements with other parties for their own profit ; that SPS has harassed us and continues to harass us ; that SPS has not proved and is unable to prove that we owe any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 

SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX SPRINGLEAF FINANCIAL SER XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To date, someone has opened XXXX banking accounts in my name. received letters with debit card number. they has some very personal information, as I have called the banks.

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 2016-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
XXXX XXXX XXXX - provide order that bears XXXX name. - XXXX XXXX XXXX attach the schedule stating this debt is secured or unsecured? 
XXXX XXXX XXXX - is a third party collection company whom appears to have paid a debt during a open bankruptcy that was not owed in attempt to collect from me. XXXX XXXX XXXX did not communicate with the attorney of record. 

XXXX stated : Please allow this letter to serve as XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to the complaint submitted to your office by XXXX XXXX XXXX ( the " Complaint '' ). XXXX is committed to customer service and we hope that this response addresses the concerns raised in the Complaint. 

In the Complaint, XXXX XXXX states that XXXX 's documents contain multiple non-corresponding dates ; that the transaction history appears to show that the debt has been paid ; and that XXXX has not confirmed how a lien remains on the property. XXXX will address each statement below. 

First, XXXX is unclear as to which documents XXXX XXXX is referring. XXXX 's records indicate that XXXX XXXX received a discharge of her personal obligation to repay the debt through her Chapter XXXX bankruptcy proceedings. Prior to that date, XXXX 's records indicate that the account was due for the installment payment for the month of XXXX XXXX. Due to the bankruptcy discharge, no payments on the underlying debt have been made since XXXX and XXXX 's transaction history indicates as much. A copy of the transaction history was provided to XXXX XXXX upon her request. This document shows a " due date '' in XXXX and a " trans date '' [ transfer date ] in XXXX, which is the year that XXXX obtained the right to collect payments on the account. XXXX hopes that this explanation helps to clarify some of the confusion concerning non-corresponding dates. Otherwise, XXXX denies that its transaction history or other documentation demonstrate that the debt has been paid in full or paid at all since XXXX. 

Finally, XXXX XXXX states that XXXX has not demonstrated how a lien remains on her property. On this point, XXXX believes that XXXX XXXX should seek the counsel of her bankruptcy attorney. It appears as if XXXX XXXX file a motion to avoid the subject lien within her bankruptcy proceedings, and that this motion was denied with prejudice. Otherwise, XXXX is unable to advise as to the legal reasons underlying the denial of this motion. 

XXXX hopes that this response was helpful. If XXXX XXXX has any further questions or desires any clarification concerning this response, she should not hesitate to contact 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 2022-10-01
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX Pursuant to 15 usc 1692g ( a ) ( XXXX ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( XXXX ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Premier Lending and Real Estate
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my home through loan officer XXXX, Premier Lending and Real Estate at XXXX XXXX, Ca XXXX. Phone XXXX. Our refinance with through but our Pest Control costs which were to be paid of our proceeds at close of escrow never happened. Found out over a month later that they had not been paid. XXXX of very unsympathetic to our plight and told us you ordered the pest inspection you have to pay. Even though it was a condition of our closing to send him the invoice for the work completed prior to our closing. The amount out of pocket was {$1100.00} to the pest control company.

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 2017-03-08
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have tried to find the culprit who has made the phone account after I had attempted to call them about it. They said it was made in 2015 but I have not made an account for verizon. My phone at the time was a pay by use type of phone, no contract. The company was XXXX. So when I could not find who could have done this I tried to dispute it online but that did not work. I had received a bill yesterday asking me to pay half of the cost of the collection but I do not see a reason to pay something that I did not make in the first place. I am a service member and I would like to end this as soon as possible that way my home buying wo n't attempts wo n't be jeopardize because of this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recently, I requested a copy of my LexisNexis Report. After reviewing the file, I have found a discrepancy that I would like to have removed from my file,  as one the information is inaccurate, and it negatively impacts my insurance rating, as well, as the case is over five years old and should not be reporting on my file at all.      The report shows a  conviction for Failure to Appear f rom    XXXX   XXXX   XXXX  . Th e corresponding conviction was subsequently vacated and should no longer be reported.     Attached is my driving abstract from th e Secretary of State. Please find that the aforementioned  conviction is not reported my driving abstract as the conviction was   vacated.      Recently, I requested quotes from insurance carriers. When asked if I had any violations or accidents in the l ast five years I respo nded no. However, once they obtained a copy of my driving record I was quoted higher premiums as a result of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation