BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A foreclosure case has been commenced against the borrower in XXXX XXXX. Currently, mandatory settlement conferences are being held pursuant to NY XXXX XXXX XXXX. At a settlement conference held on XXXX XXXX, 2015, the Court directed the borrower to submit his most recent financial documentation to HSBC 's attorneys by XXXX XXXX, 2015, and directed HSBC to render a decision on the modification application by XXXX XXXX, 2015. 

On XXXX XXXX, 2015, the borrower, through counsel, emailed HSBC 's attorneys copies of the borrower 's six most recent pay stubs and two most recent bank statements for each of his accounts. HSBC 's attorneys confirmed receipt of these documents on XXXX XXXX, 2015. On XXXX XXXX, 2015, the borrower 's attorney received XXXX letters from HSBC, dated XXXX XXXX, 2015 and XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC claimed that the borrower 's application was incomplete and asked that he submit certain documents by XXXX XXXX, 2015. In the letter dated XXXX XXXX, 2015, HSBC said that it would discontinue processing the application because it did not receive the allegedly missing documents by the deadline. Neither the borrower nor the borrower 's attorney received either letter before XXXX XXXX, 2015. The borrower appealed this decision to discontinue the review on XXXX XXXX, 2015. 

At a settlement conference held on XXXX XXXX, 2015, HSBC 's attorney stated that HSBC would continue with its review of the application. To date, however, the borrower has not received a notice that the application is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I am reaching out after numerous requests in regard to the Fair Credit Reporting Act. On XX/XX/2021, I filed a dispute asking for the original signed contract. On XX/XX/2021, I sent a 30-Day Demand letter asking for the original signed contract after 45 days of my initial dispute. I received a statement listing the charges and a copy of my original contract. This is not what I originally requested. I requested the original signed contract. Furthermore, the letter also stated that this was an attempt to collect a debt. This is also a violation as well. If you can not provide the original signed contract, please delete this account. This alleged debt does not belong to me. After this step, I will be filing for ligitation.

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 2016-02-05
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Strategic Alliances, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX ( Hospital ) failed to submit a claim to XXXX XXXX XXXX for reimbursement in XX/XX/XXXX when I was on XXXX in the military. In XX/XX/XXXX, XXXX representative said the Hospital can resubmit the claim for payment. The hospital representative was contacted to resubmit the claim. A document was requested either by First Financial Asset Management or the Hospital pertaining to my case. The form was sent per their request. The hospital sold the bill to an outside collection department instead on resubmitting the claim. First Financial have XXXX XXXX XXXX attempting to collect the debt. The bill is XXXX and will settle for {$240.00}. I 'm required to pay a bill the hospital fail to submit to XXXX now owed by a collection organization?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted debt collector and advice I have no knowledge of account and its not mines. They remove from my XXXX and XXXX report I been in constant contact with XXXX they refuse to remove I need this remove immediately from my account it is not mines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a collection account on my credit report that is being reported inaccurately. XXXX XXXX XXXX  is being reported by all three bureaus inaccurately. Its being reported as charged off and paid monthly at the same time and a few other things. I have attached a copy of my report. This information is inaccurate and its really hindering me. Due to the false information being reported I want this collection removed from all three reports immediately. I also want all three bureaus to provide me with full details and signed documents with my signature on them. If this information is not provided I demand that all three bureaus remove this collection from my report. I have tried to resolve this matter plenty of times and the next step is to proceed with litigation due to the hardship that this matter has caused me.

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 2015-07-10
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MO
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:
In XXXX of XXXX an account that was in debt was sold to Mercantile Adjustment Bureau. In the same month the debt was sent to collections, without any notification received by me. There was no telephone contact, or mail attempts regarding my right to dispute. The account once more entered collections in the month of XXXX, XXXX. There was also no attempt to contact me by mail or telephone. 

In XXXX of XXXX, I was contacted by a collector from this company, stating I was responsible to pay {$2000.00} dollars. Following this phone call I was scared, because I was unsure of what to do. I believe I was pressured in to settling the debt, even though I was attempting to dispute the original ownership of it. 

Following the telephone call, I began to do research and it was in fact an actual debt collection agency. I immediately paid it off out of fear and reprisal. Once the debt payment was received the business had X amount of days to report the payment to all major Credit Bureaus to include, XXXX, XXXX and XXXX. 
After an extended period of time, no contact or notification was received regarding payment and debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Midwest Recovery Systems
State: TX
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:
About a year and a half ago I purchased a membership to XXXX over Texas. I paid off the membership, and have provided proof to the debt company that it has been paid off. I have been harassed for months about this issue. I have issued verbal and written statements that they are not allowed to call me again, that the debt was paid, and that they have received proof of payment. They have acknowledged all of this, yet they continue to call, sometimes multiple times a day, and harass me at home and at school. They have used intimidation tactics, such as saying if I do not pay the debt in full they will destroy my credit. They have talked to my father, invading my privacy and causing emotional and social stress. They have not, as they said they would, sent me proof that the debt is owed. It has been more than 30 days. They are being fraudulent and negligent. They have reported it, falsely, and it is impacting my credit negatively and harming my ability to take out loans to pay for college and get an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company, National Credit Adjusters, keeps calling me and my family members. They are telling my family that I 've skipped out on a debt owed and they need help locating me. That 's embarrassing, plus when they tell them to stop calling, NCA, informs them that they have every right to call and will not stop until they locate me. I 've talked to NCA and informed them that I 've already paid the debt to the original debtor and I have proof. The person I spoke with said to send it to them and I did. He gave me the email address of XXXXXXXXXXXX. I have documentation of that as well. After sending him the information, I told him to stop calling me and my family and he said he would document it. But the calls have not stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home on XXXX XXXX XXXX and sold my home the following day. The closing statement paid interest to XXXX XXXX. When I applied and received the mortgage for the new home it was with XXXX. XXXX sold this mortgage the following month to US Bank Home Mortgage. I had made XXXX payments of over {$430000.00} in total on XXXX XXXX and XXXX XXXX of which the larger payment was for {$430000.00} and applied to principal. The smaller payment for the regular mortgage payment due XXXX XXXX was {$2500.00}. This payment was not applied based on the payment date for 4-5 days of interest and was allocated as the XXXX XXXX amortization schedule as if the loan was outstanding in full for 30 days. XXXX eventually corrected this error after several interactions but not before the incorrect information was provided to US Bank Home Mortgage. 

I have an amortization schedule from XXXX showing the balance at the transfer was {$49000.00}. When US Bank Home Mortgage took over the loan they recorded the balance at {$51000.00}, which is off by {$1600.00}. 

After contracting customer service three times to no avail and appealing their reply I am left with the loan balance being carried with the incorrect balance and my subsequent payments are being applied based on an incorrect declining balance. 

I have two letters ( virtually ) identical from the Customer Service Research member of the US Bank mortgage division ignoring the information I have provided including copies of payments out of my bank, the closing statement, the two amortization schedules reflecting the difference I am outlining. 

XXXX admits that the original information provided was before the required correction based on the payment dates but so far nothing is affecting the loan balance shown by US Bank Home and the overstatement of interest expense and balance.

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 2017-02-03
Company: GULF COAST COLLECTION BUREAU, INC.
State: TX
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:
I received a collection notice several months ago from Gulf Coast Collection Bureau about a debt that originated in Florida, a state I do not live in, and I responded to the collection letter advising the collection agency the debt is not mine and I provided identity theft documentation and requested Gulf Coast Collection Bureau to Cease and Desist. Since then I have received one more collection notices demanding payment for the debt I do not owe. I responded and sent it via certified mail with anther copy of identity theft documents. I recently received another letter from this agency AGAIN demanding payment or a copy of identity theft documents. I have responded to this agency twice with the necessary documents for them to Cease and Desist, yet they continue their collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Allied Collection Services, Inc. (Nevada)
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attempts were made to pay off the amount owed to this company once I had to close the checking account that this payments were being withdrawn from without success over a year ago. I moved from about 1.5 years from that time, but had my mail forwarded to my new address at that time. XXXX XXXX apparently sold this account to Allied Collection Service ( ACS ) ( XXXX ) who has been calling and hanging up on me for the past few weeks. I called back on XXXX/XXXX/XXXX to see what this was in referenced to and discovered that it is the same collection account that I disputed from my credit report about a month ago without a response. The reason for the dispute was due to seeing duplicates of the same account and not having anything in writing from ACS.

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 2015-10-24
Company: Residential Credit Solutions, Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank Of America was paid the full amount of the note XXXX on XX/XX/XXXX by HUD. On XX/XX/XXXX Bank Of America sold the note to XXXX XXXX and on XX/XX/XXXX sold the note to XXXX and my complaint is that XXXX XXXX is now trying to collect on a note that has been paid since XX/XX/XXXX. I have also been informed that they are not a licensed debt collector

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter from Chase stating that they are closing my credit card account. 
Moreover, the letter states that the reason for the closure is " because continuing the relationship creates possible reputational risk to our company ''. 
First of all, I have no idea or understanding of the meaning to this reason at all. I have been a loyal customer that has never missed a payment ever and who maintains a great payment history on this account. 
I contacted the office number provided and spoke to a representative who states he could n't provide any specific information used to make the decision but did recommend that I write this letter to further inquire about this action. He also stated that based on his past experience, it usually stems from some information that Chase received via internet relating to personal or business on my part. 
If so, I strongly object to this because there is no such information either personal or business reported against me on the internet or any other source that would cause Chase to be concern about its own reputation as a company. 
Furthermore, the history of Chase and all of its mortgage fraud related issues with the Federal Government stemming from the Mortgage Crisis between XX/XX/XXXX thru XX/XX/XXXX did not keep me from having a relationship with Chase. 
As such, I demanded for full and immediate disclosure ; 1 ) Specific and detailed information obtained by Chase regarding myself personally or my business leading to this decision. 
2 ) A copy of the credit agreement signed by myself with the terms and conditions of our relationship for this credit card account. 
3 ) The specific language or section under the credit agreement which supports or authorizes Chase to take such unprovoked action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, I mailed a check ( # XXXX ) for XX/XX/XXXX rent for {$3000.00}. My landlord never received check # XXXX. I discovered the check was forged and submitted an affidavit to my bank HSBC. I was reimbursed for the check on XX/XX/XXXX. 

However, since I was behind on rent for several months, I was required to appear in court on XX/XX/XXXX. My landlord charged me {$870.00} + $ XXXX= {$890.00} in legal and processing fees. In an email on XX/XX/XXXX an HSBC representative says they will not reimburse the legal fees. 

HSBC is liable for the fees because their mistake ( allowing a forged check to be cashed ) is the reason I had to go to court and pay the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I atempted to open a businress checking account with US Bank and was sent on the run-around XXXX times. I was told different things each time I went to the bak, Then I was left siiting for a prolonged period of time only to be told that they were closing. Finally, I was told that because I had a negative balance one day a couple of months ago, that I could not open the account. I tried to explain that the negative balance was due to someone else using my card numer of which I had filed a claim on. However, uS bank employees were determined not to open the checking account for me after taking copies of all my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NC
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:
It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
MEDICAL XXXX Balance : {$35.00} MEDICAL XXXX Balance : {$330.00} MEDICAL XXXX Balance : {$47.00} MEDICAL XXXX Balance : {$70.00} MEDICAL XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my XXXX mortgage payment early in XXXX 2014 to XXXX XXXX XXXX. I then received notification that as of XXXX XXXX, my loan servicing was being transferred to PennyMac. My XXXX payment was never transferred to the new servicer, and now I am getting notices that I am in pre-foreclosure, I have had 30 day lates reported to my credit report, and I have been assessed late fees monthly. I have called and spoke to PennyMac multiple times, along with the numerous phone calls and letters they contact me with accusing me on being behind on my payments. This has been going on for months, and they seem either unable or unwilling to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: V and H Portfolio
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Vance and Huffman LLC is reporting on my report in the amount of XXXX $ I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.

Company response to consumer: Closed with non-monetary relief