BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
My name is XXXX XXXX, I was continually bullied on all calls made to me to collect a debt by Capital Accounts Llc in Tennessee. I was told I was a no it all after i requested a DNC and I was told I could n't speak with a manager. When I told them I filed a complaint with the XXXX I was told I was better than that. The gentlemen continued to bully me. When I filed a complaint with the company I never received a response. I am a debt collector also of a very well profound company and can not believe how I was spoken to. When I told them I planned on retaining an attorney the man " XXXX '' laughed at me and said well we 'll see .. Send that in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Advanced Recovery Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I use to have a XXXX Student Loan Account. Every month I would call the XXXX number and make a payment, it would take less than five minutes. In XXXX 2015, some company called American Education Services took hold of my XXXX accounts. On XXXX/XXXX/15 I have tried to make a payment by phone and by computer. When I tried to make an account online, I was consistently getting error messages, saying my social security number was not correct, or name was incorrect. I was on the phone for 20 plus minutes and transferred by XXXX different people. each person who could n't help me. I also tried making a phone payment and their automated system would n't recognize any entry that I tried to input. I never agreed to have any loans serviced by this company as my original loan note was from XXXX. This is a breach of contract and I refuse to do business with this AES company ; especially when they ca n't get any information correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My parents home ( they are deceased ) has been empty and awaiting resolve for 3 years this net month. The loan has been sold from XXXX to XXXX, XXXX and now Rushmore. I am unable to get resolve in any way. The home was held in a trust, and therefore, we are not liable, however, as they hold it in limbo, I continue to receive bills for taxes and hoa dues. As well as late mortgage statements. I have tried to sell, modify and keep the home. To no evail because of their incompetency. They changed the locks over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: GSF MORTGAGE CORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home XXXX 2017 and tried to register online to make my first payment for XXXX 2017. The company has no record of my loan information and can not give me online access to my own account. This is preventing me from making my first time payment and I am asked to use a coupon split with the information offered to me at closing. I live my life by having excellent credit and can not afford for my score to be lowered by a mistake made at the Banking level. I have my loan information and when I call and offer my ssn # the answer is no records found. I have a 30 year fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I have a mortgage with Amerihome. They are charging me {$20000.00} and refuse to do a loan modification. as many Americans during the COVID-19 pandemic, I was given a forbearance. I was then given and approved a partial claim - they did not send me paper work until late and then denied my claim because they said I didnt return documents on time. I returned them after I received them. Then then reversed the denial after a multitude of calls and emails and faxes from me. Now, its been 5 months and I have called and faxed and emailed and always get different information. I frequent to speak to a supervisor and they always escalate my call and promise Ill get a call back and NEVER call me back. Ive been dealing with this since XXXX and they are charging me late fees and negative credit reporting, however, no one is working on my loan modification as Im entitled to by the government. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I paid a merchant for an item I never received. The online merchant was XXXX / XXXX aka XXXX. I had to dispute this transaction with the company that handles the XXXX gift card, Blackhawk Networks. I have faxed them twice and called them 3-4 times and they have not yet assisted me. It has been 90 days since their letter and they have not yet resolved my dispute and can not even tell me if they received the documentation that I sent to them. All of this info will be included in the attachment that I am uploading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04
Company: Monterey Financial Services LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to Specialized Loan Servicing in XXXX 2015 and they have neglected to pay my special assessment taxes and now my home is in foreclosure status. I have copious amounts of notes showing my contact regarding this issue since XXXX 2015. 
In addition I have been sent incorrect escrow analyses showing they have paid irrigation taxes and I pay my water bills monthly. They also have incomplete documentation on all my calls. 
They indicate they will take care of the situation but 4 months later it is still on going.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I hired several different companies to secure a loan modification and paid XXXX dollars in advance to the companies who violated XXXX and I never received the services or the loan modification I needed in fact I lost my home to foreclosure. The companies I hired and paid are : ( 1 ) XXXX Legal Document Professionals XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX paid {$2500.00} ( XXXX ) XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX paid {$12000.00} ( 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ( 4 ) XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX XXXX paid {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of XXXX XXXX ( XXXX ) which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from XXXX XXXX. I proceed to call XXXX XXXX and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to XXXX XXXX on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.

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 2016-11-02
Company: Specialized Loan Servicing Holdings LLC
State: ID
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a claim on XXXX/XXXX/16 [ Case number : XXXX ] SLS responded that they WILL NOT REMOVE THE 30 DAY LATE. There decision is illogical and I will continue to dispute this with more vigor.I have provided my response letter to help explain the details .... 
XXXX XXXX, 2016 To whom it may concern, I am completely dumbfounded at your response! You must REVIEW this attached letter and other documents AGAIN -YOUR INFO IS INCORRECT! You produce and claim you sent a letter stating payoff instructions but I NEVER RECEIVED ANY CORRESPONDENCE LETTER WITH PAYOFF amount! You stated you sent the check back! THIS IS NOT TRUE! I OBVIOUSLY DID NOT RECEIVE THE CHECK BACK or how could you cash it on XXXX when the letter is dated XXXX. If you sent this letter WITH SPECIFIC PAY OFF REQUIREMENTS AS STATED why did you cash the check when a cashier 's check was required! IT IS ILLOGICAL AND I ASSERT it is CORRUPT AND DISHONEST! If this was done properly, and YOU ACTUALLY returned the check, I would have MAILED THE CASHIER 'S CHECK AND ALL WOULD BE WELL. I YOU had NOT CASHED THE CHECK I would have been alerted and resolved this and ALL WOULD BE WELL. IF YOU WOULD HAVE APPLIED MY XXXX payment on XXXX XXXX when it was received then ALL WOULD BE WELL. IF YOUR EMPLOYESS WOULD HAVE ADVISED ME PROPERLY 4 TIMES THAT I CALLED! THEN ALL WOULD BE WELL-but YOUR COMPANY DID NONE OF THESE THINGS and THIS COMPANY SLS is therefore SOLEY RESPONSIBLE!!!! You cashed my check and did NOT APPLY IT!!!! 
Think about this ... If this letter was in my record WHY DIDN'TANY OF YOUR employees have any idea about it! I assert it is BECAUSE IT WAS NOT THERE. I assert that you are unfairly reporting a late payment and that I was unfairly ill advised through personal phone calls and mail correspondence and am therefore NOT RESPONSIBLE FOR 30 DAYS LATE REPORT TO CREDIT AGENCIES. It is NOT REASONABLE to consider this could be! I MADE THE LAST PAYMENT ON TIME XXXX XXXX -- -YOU HELD THE MONEY FOR OVER 50 DAYS until XXXX XXXX!!!! Even though AND ONLY AFTER I called SEVERAL times -see my LETTER again! I AM OUTRAGED BY THE DISHONESTY HERE AND HAVE REPORTED YOU TO THE CFPB

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 2016-09-19
Company: TFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
My husband and I completed payments and had a Chapter XXXX discharged back in 2014. Two years after the discharge we refinanced and paid off our first with XXXX XXXX XXXX and our XXXX with Third Federal, neither were included in the Chapter XXXX and they were paid in full. However in the payoff statement Third Federal included " other fees {$640.00} ''. When I called to ask what the other fees were, I was told by Third Federal that these were lawyer fees, because they had to retain a lawyer when I filed Chapter XXXX, even though their loan balance was not included in the Ch XXXX. Can they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Incomm Holdings Inc.
State: DE
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
On XX/XX/2016 I loaded up a my vanilla prepaid card at the XXXX store in XXXX DE. I PUT XXXX On the card in cash. The very next day I opened up the card and than went on line to register it l like I was suppose to do. 0n XX/XX/2016 i went shopping and when i tried to purchase something it was declined. So right away i called my vanilla card and they said that my card was register to someone else and they were claiming it. Also they asked me to send in my documents which i sent in everything like my social security card, my receipt, my state ID, a copy of the vanilla card front back. And proof of residence, I sent that in by email on XX/XX/2016. Now every time i call them it 's something new. First it was 3-5 than 10-14 days now 60 days before I hear something back. It just does n't make sense. I think it 's fraud. I do n't know if their trying to keep money or what. They wo n't tell me anything. So am lost here.I called XXXX a few days ago and they told me that everything on their end was good but they did find out that my money was used at a collection agency on XX/XX/2016 the next day after a bought it. But how is that so. I want to know because i registered it on XX/XX/2016 on their website and it said i was good to go. They said that the card was activated so i did n't need to go on line and register it. Now am really confused here they also said they do n't know why my vanilla prepaid visa is giving me such a hard time with this dispute. Its crazy how XXXX found out and was able to tell me that XXXX the incomm people from my vanilla act like they do n't know what 's going on with my dispute with them..PLEASE HELP ME SORT THIS OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been a XXXX for the past 8 years. I love what I do and I would n't change it for the world. My point is I work hard and I try to provide for my family the best way I can ... .. but it is extremely frustrating dealing with Equifax credit bureau. I am trying to obtain a loan to refinance my home and since XXXX of 2015, Equifax has been reporting my revolving credit usage at XXXX % when it has been between XXXX-XXXX % and they are also reporting XXXX unknown collection accounts. 

My credit score with XXXX is XXXX However my XXXX score is XXXX!!! 
Powered by Equifax Credit Score XXXX Revolving Debt {$1900.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$210000.00} Powered by XXXX Credit Score XXXX Revolving Debt {$580.00} Revolving Credit Limit {$2500.00} Revolving Credit Usage XXXX % Real Estate Debt {$200000.00} Installment Debt {$0.00} Total Debt {$200000.00} I am requesting they correct and update my file to show the credit revolving credit usage and remove the XXXX improperly placed collection accounts XXXX Account Number XXXX and Diversified Consultants Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment on a {$69000.00} loan of $ XXXXXXXX3.62 % they applied {$960.00} to finance charge and {$230.00} to principal. This is wrong. I called and was told they will look in to it. My first call was XXXX/XXXX/15, they have still not resolved this. I do n't know who this Co is Specialized Loan Servicing LLC, they said they got this loan from XXXX XXXX XXXX XXXX to witch I have been making payments for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Stanislaus Credit Control Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Georgia Crime Victims had took care of this bill. I was XXXX by XXXX people on XXXX property on XXXX XXXX, 2013. I was treated for my injuries and this program covered all medical expenses through there program. I had related to them that they need to use my claim number to find check number associated to payment that was issued. I do not owe or believe that I am responsible for this balance. These allegations are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from WAKEFIELD & ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against WAKEFIELD & ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank 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 2016-01-04
Company: Pinnacle Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX has continued to give false information to the credit bureaus regarding this account that was initially XXXX XXXX. This account was removed from my report by XXXX XXXX because of a dispute. This company has on numerous occasions provided false information in order to reage this account that was originally disputed in XX/XX/XXXX. Pinnacle is reporting XX/XX/XXXX. I have filed a lawsuit and have sent them a certified copy. I just received a return receipt that looks like chicken scratch. This company uses fraudulent tactics and has yet to notify the bureaus of pending litigation or of the XX/XX/XXXX originated date for XXXX XXXX. This company needs to provide a copy of what they provided the bureaus and also documents from XXXX XXXX on their own letter head with a date from this year. I have also contacted consumer protection in the attorney generals office in their state as well as ct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-08-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have continuously disputed the following 2 items on both my Experian and XXXX reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Placed for collection.

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