BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I have the following complaints against Specialized Loan Servicing ( SLS ). 
They hold a second mortgage against our property and have done so since XX/XX/XXXX. Recently, my husband and I have been trying to obtain information regarding our loan from SLS to avail. We have been advised that our account is past due, but unable to get information on when the account became past due and how the amount stated was determined. I would like to receive confirmation on when our checks were received and when they were credited to our account. I am concerned checks are being held until our payment is due, therefore incurring late fees. For example, our XXXX XXXX payment was written on XXXX XXXX, then our XX/XX/XXXX payment was written on XXXX XXXX, but both checks were deposited on XXXX XXXX ( see bank statement attached ). 

We are also concerned that SLS has advised us in writing that our monthly payment is going to increase effective XXXX XXXX, XXXX, but have been unable to tell us what that new amount is going to be. We have called several times to obtain the information. Once I was told by the customer service representatives that our payment was not going up ( XXXX ) ; then I was told they did n't have that information available ; then I was told that could not give me that information. I believe they are withholding the information in an attempt to deliberately make our account delinquent, therefore securing more money from us. 

We also do n't understand how SLS is not responsible for sending us monthly statements for our account. We have requested statements, but have been told they do not provide them but I could go online for the latest information. When I did that yesterday, it showed our last payment received was on XXXX XXXX, XXXX and that our next payment due is on XXXX XXXX, XXXX and the amount due is XXXX. But we received a letter stating our account is in default and a possible foreclosure action is pending. 

We do n't know if this is a new policy or what, but all of our other creditors provide statements indicating the amount of payment due, the balance of the account and a payoff amount. Again, I believe SLS does this on purpose in hopes of customer 's falling behind and incurring additional fees or a worst case scenario of someone losing their property. 

We would like a letter written to SLS with our complaints and requesting documentation of every payment made, every late fee and any other fees charge and when they were applied and how long it takes them to process payments. We would also like in writing, the new payment amount due and a payoff amount.

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
Consumer complaint received 2015-11-10
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical revenue Service is attempting to collect a debt I XXXX do not owe. This debt was settled by XXXX Insurance company and I was told by them I do not owe the bill. The Ac # XXXX XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2015 Balance {$4200.00}. Supposed debtor XXXX XXXX. I do not owe this bill and I am continually being harassed by both XXXX XXXX XXXX and their collection agency Medical Revenue Services. We were told on numerous occasions by XXXX Insurance that we do n't owe this bill. This bill appears on our XXXX Insurance Account as nothing owed. I do owe a balance of {$2200.00} which I have been paying {$100.00} a month on that balance. In the latest collection threat my outstanding balance latest {$100.00} payment was not credited. Medical Revenue Service combined the outstanding balance I owe ( {$2300.00} less {$100.00} ) with the outstanding balance I do n't owe ( {$4200.00} ) for a Total Amount Due of {$6.00}, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SCAM ARTIST - Specialized Loan Servicing , LLC XXXX XXXX XXXX, XXXX, CO XXXX - DEBT COLLECTOR, as printed on their Notice ; XXXX XXXX XXXX, XXXX. 

Received today a Notice dated XXXX/XXXX/XXXX " purportedly '' from XXXX XXXX XXXX XXXX advising of service transfer of an alleged loan to this company, but payments to be remitted to a GA address effective XXXX/XXXX/XXXX - P.O. XXXX XXXX XXXX, GA XXXX. SCAM artist collecting for an alleged account that has already been closed in XXXX, and reflected as such in Credit Bureaus. Additionally, the following are marks of intentional misrepresentation and considered Fraud under 15USC 1692e:1. Notice says : " this communication is provided..with regard to our secured lien on the above referenced property '' ... If they are " purporting to be a servicer '' - they can not be the owner of a lien - 15USC 1641f1-f2, albeit alleged account is already closed. 

2. Notice itself bears an XXXX letterhead - but only a photocopy- not original. Also, XXXX 's address XXXX, IA - has been replaced with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ). 

3. Notice does not indicate alleged account 's principal balance. 

The facts - account has closed in XXXX ; XXXX made an illegal attempt to collect in XXXX but after failed Debt Validation which involved CFPB, XXXX Office in CA and XXXX 's XXXX XXXX - Office of Consumer Ombudsman for XXXX - XXXX issued a letter advising XXXX to disregard XXXX 's collection letter. XXXX XXXX XXXX was also hired by XXXX to illegally attempt to collect - but could not validate alleged debt - and has since STOPPED further collection efforts after a Cease and Desist was issued on XXXX XXXX. 

FTC Complaint was filed today XXXX/XXXX/XXXX - reference number XXXX. A Debt Validation will also be issued shortly to this Specialized Loan Servicing , LLC. 

Thank you for helping investigate and enforcing the authority of your Offices to STOP fraudulent and unfair debt collection practices that hurt US Consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Stellar Recovery, 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 resulted from identity theft

Complaint:
Look, these people are harassing me over {$170.00}!!!!!! I AM NOT paying for it!!!!!!! There should be NO DEBTS on my credit at all!!!! Also, I DO NOT need ANYMORE debt collectors contacting me!!!! These people just DO NOT LEARN!!!!! ALSO, THESE PEOPLE NEED TO LOSE MY XXXX SOCIAL SECURITY NUMBER, ADDRESSES,, ANYTHING OR ANYBODY THAT IS ASSOCIATED WITH ME, ETC ... LOOK AT MY XXXX CREDIT BUREAUS TOO. I ALWAYS FIND OUT THAT XXXX, SO THEY NEED TO KNOCK IT OFF!!!!! ALL THESE PPL CARE ABOUT ISTHEIR MONEY AND NOTHING ELSE!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
Hello, XX/XX/XXXX applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only {$2000.00}. 
At one point XX/XX/XXXX, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent. 
Then the calls came, multiple times a day, disrupting me at work. Half the time no one was on the line. They called when payment was due, the same day I made a payment, the day after, and I got emails telling me I was near my limit, thanking me for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ XXXX+. I could n't pay that, and I continued with the automatic payments at less. 
XX/XX/XXXX my last statement said my minimum payment was {$700.00} - on {$2000.00} limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just XX/XX/XXXX statement, and XX/XX/XXXX collection agency. Efforts to talk with them just get me diverted to the collection agency. 
All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount. 
This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.

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 2015-07-03
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to consult with chase bank about reopen a checking account but they refuse to do it because they saw a certain transaction about a forge check after I gave my personal information to a person I do not know of from social media chase put my checking account on restriction and permanently end my relationship by switching banks like XXXX XXXX XXXX or XXXX or XXXX and then when I ask when it is going to clear up they do not give any answers and they do not care about former costumers coming back to chase so it will be challenging to open an account I made a huge mistake in the past but chase do not get second chances or nothing the lesson is never give someone your personal information nor password because once they hack accounts and think it is you there will cut you off like that I almost got thrown in jail but at least I filed a police report on a person who steals my identity and hack my report so yeah chase do not care about reopening accounts for the future and do not give answer which strictly NO!!!! 
What can I do to make my financial status feel protected? chase do not want my money because of fraud and I 'm trying to get another chance. What can I do? 
What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit reports and I 've noticed that there were many unauthorized credit inquiries made not to my knowledge. I do not recall authorizing these credit inquires and I understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation about all of my inquiries to determine who requested the information.
If you find I was not the one who authorized this inquiry, I ask that XXXX have it removed immediately from my credit file. Please be so kind as to have the CB to forward me documentation that you have had the unauthorized inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Bank of america closed my checking account back in 2019. My daughter was a minor working a part time highschool job. She would endorse and sign her checks over to me in which I would deposit into my bank of america account - There is nothing fraudulent or illegal about this!!!! They are reporting that I am suspected fraud to XXXX - making it impossible for me to open new accounts. This reporting needs to be removed immediately!

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 2015-08-12
Company: ProCollect, 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 was paid

Complaint:
I requesting validation of debt and never received an response. I do not owe a balance on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016, I called to informed Sun Trust that I was resending my permission for them to do and automatic debit for a car payment I have with Sun trust. At no time was a advised they could not stop the payment what I was advised of is that the payment will not be deducted. 
Thereby the purchases that were made where made in good faith based on the information that was provided by your customer service rep, that the car payment WOULD NOT BE DEDUCTED On XXXX/XXXX/2016, I a beginning day balance of - {$330.00}. Items were presented to my account as follows : Overdraft fee of {$36.00} was refunded and your account available balance increased to - {$300.00} {$25.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$360.00} {$5.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$400.00} {$17.00} to XXXX XXXX was paid {$36.00} fee and your account available balance fell to - {$450.00} {$0.00} to XXXX was paid and your account available balance fell to - {$460.00} {$4.00} to XXXX was paid and your account available balance fell to - {$460.00} I contacted the back to see what had happened I was informed they had processed the payment any way and thus all of these items had been assessed a fee. The bank did not have consent to enter the acct and make that deduction, this fact is further affirmed by your customer service rep during the call that took place on XXXX/XXXX/2016. 
They now are refusing to refund my money and in essence are attempting to extort funds from be based on your banks " stealing ", my monies by entering my account without consent. This is fraudulent and reprehensible, and at the core of all things illegal. I am unclear on how I can be told a payment will not come out, remove the permission for the bank to enter my account and because I made purchases based on the word of your rep, that the funds where not going to be deducted be assessed additional fees, {$120.00} from me and think this is good business practice. I want my money back.

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 2017-01-19
Company: TRUSTMARK CORPORATION
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank accounts at Trustmark bank have been compromised. I have sent a complaint concerning one of my checking accounts and I need to add the other " High-Yield " account as well. I have attempted to reconcile these matters with the bank, on several occasions without any resolution. I am a victim of Identity Theft which I reported to the FTC. I have also reported the bank account breaches to the FDIC. My E-mail has been compromised. I have never had an internet account for any of my banking accounts. I never use on-line banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loan repayment terms had changed based on my requesting and having been approved for a forbearance on the loan. The first month of my forbearance repayment period was subsequently erroneously recorded on my record ( and thus on my credit report ) as having been a late payment- this was incorrect. I called the loan company who then corrected this on their own records but this error continues to be negatively effecting my credit and remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have continuously contacted this company as well as the original creditor to advise them that I did not know this debt. To date I have not been able to resolve this issue. I have provided multiple documentations to this creditor providing proof that this was not my debt, without resolve. This is not my debt and I would graciously appreciate it if this was removed from my credit report. This is affecting my livelihood tremendously.

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 2015-09-03
Company: Rodenburg LLP
State: ND
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AES 's automated system does not give you the right amount. I have a recorded on XXXX/XXXX/15 that I notified the supervisor of that and she states they are aware it is incorrect but never said they were going to fix it. I recorded my phone call since I was paying my bill. They do not tell you that the calls may be recorded, I asked someone yesterday if my call was recorded, he said yes but never gave me the disclosure which is required. I want all negative marks removed because the reps also give an amount that is not correct, AES has committed fraud against me. They also tried to force me to get auto debit even though I wrote numerous letters telling them I am not interested. I WILL NEVER DO AUTO DEBIT WITH THIS COMPANY. NCT HAS NOT SUBMITTED PROOF THAT THEY STILL OWN THIS DEBT WHICH IS REQUIREMENT IN ILLINOIS TO COLLECT ON A BILL. AES CLAIMS THEY SENT IT TO ME BUT THEY DID NOT, I WILL KEEP COMPLAINING UNTIL AES IS SHUT DOWN FOR GOOD. I HAVE PAY LOTS OF MONEY TO NCT, THEREFORE I ONLY OWE THEM FOR LOAN # XXXX. NCT HAS NOT MEET THEIR BURDEN OF PROOF, THEY MUST SHOW PROOF THEY OWN MY DEBT AS OF TODAY. NCT SELLS LOAN IN INVESTMENTS, THEREOFRE THEY HAVE NO PROOF WHERE MY LOAN IS. AES IS A LIAR AND ENGAGES IN ILLEGAL BUSINESS PRACTICES. I KNOW WHAT I OWE AND I DO NOT NEED AES TO TELL ME THAT. XXXX XXXX IS STUPID BECAUSE SHE CA N'T READ BECAUSE SHE HAS NEVER FULLY ANSWERED MY COMPLAINTS, ALL OF HER ANSWERS ARE GENERIC. NO ONE FROM AES HAS CALLED ME TO DISCUSS ANYTHING WHICH THEY SHOULD. NCT IS A TRUST NOT A LENDER LIKE AES CLAIMS, I NEVER SIGNED ANY PAPERWORK FOR A LOAN WITH NCT. NCT IS A 3RD PARTY DEBT BUYER AND AES SHOULD NOT TELL PEOPLE THAT NCT IS A LENDER BECAUSE THEY DO NOT LEND MONEY, THEY ONLY PURCHASE STUDENT LOAN DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Convergent Resources, Inc.
State: NJ
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:
XXXX XXXX is trying to illegally receive payments from me for monthly service that ceased on or about XXXX XXXX, on which date I was at least fully paid and may have been owed a refund. XXXX reps admitted XXXX XXXX I do NOT have the account or bill on which XXXX continues TO THIS DAY to try to collect a full fee monthly. I have audio recordings from my conversations with two different XXXX reps ordering cease-and-desist XXXX XXXX, after which XXXX sent two months ' worth of false " debt '' to a third-party debt collector, Convergent Outsourcing, which is threatening to ruin my outstanding credit history.

Company response to consumer: Closed with explanation