BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: Seterus, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Following the loss of my wife 's job in XXXX XXXX and failure of XXXX to renew the Federal Emergency Unemployment Act for XXXX, my wife and I applied for a modification on the mortgage of our single family residence in XXXX, MO in XXXX XXXX ( see hardship explanation attached ). Our servicer, Seterus, Inc. accepted us for a trial modification which we completed in the latter half of XXXX having made all payments within the stipulated timeframes. The first month we were due to start our permanent modification we noticed we could n't make payments online because Seterus portal referred to our modification as " Reviewing for Completeness '' and would n't let us progress to our mortgage account page. Upon calling customer service on XXXX occasions in late XXXX, we were advised since we paid XXXX of our trial payments in XXXX instalments that Seterus ' automated system had not processed our mortgage as permanently modified and our paperwork was required to be reviewed manually. We were told this explained the " Reviewing for Completeness '' dialog on the website ( screen grab attached ). We were told not to send any more payments as they would be held in a suspense account or returned to us and that the best way to proceed was, in the agent 's own words, to " jump start '' our modification by reapplying for another XXXX. We were told we were still subject to foreclosure at any time. Following this call, my wife and I decided it was not in our best interest to get caught in a cycle of applying and applying and we decided to wait on the outcome of the review of our original documentation. For the rest of XXXX and all of XXXX we received no further written correspondence in relation to our modification and Seterus website was unchanged displaying a dialog that our modification was still " Reviewing for Completeness '' and so in XXXX XXXX we sent them a fax requesting an update on the status of our modification, or completion of the modification, both within 30 days ( copy of fax and confirmation of receipt by Seterus FROM Seterus attached ). To date we have still not received any written correspondence from them except our monthly statement for XXXX showing 683 days past due in the amount of {$16000.00} including fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: EMPIRE MEDIATION SERVICES LLC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company named EMS continually calls me regarding a payday loan that I never took out. They are stating that I took the loan out in XXXX of XXXX and it was deposited into a XXXX XXXX account. I have had a XXXX XXXX account since XXXX and I have n't taken a payday loan out since XXXX. I do not recognize the loan company that I supposedly took the loan out with. This company has gone as far as contacting my direct family and my in laws. If I did take a loan out I would not have put my family members phones numbers on the loan as contacts. They refuse to stop calling me unless I submit a form to they mailing address to stop and desist on the phone calls. They are threating me with taking me to court for the full amount owed plus legal fees the have accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Affiliated Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Affiliated Acceptance is in violation of the Texas Finance Code. Affiliated Acceptance has failed to verify this debt in accordance with 392.202, also they do not have a surety bond on file in the State of Texas which is a violation of section 392.101. They are reporting XXXX accounts on my XXXX report ; I have disputed this with both XXXX and Affiliated Acceptance.

Company response to consumer: Closed
Consumer complaint received 2017-01-31
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I applied and received a loan from Castle Payday. After Castle Payday closed operations, apparently they transfer my obligation to a third party, Big Picture Loan. I continue paying to Big Picture Loans for almost 15 months, but XXXX day I received a call from another company, XXXX XXXX, claiming that Castle Payday transfer my debt to them and not to Big Picture Loan. After I received a letter from Big Picture Loan clarifying that indeed they were receiving my money by mistake and they ( Big Picture ) will refund me with a check for the total amount, I decided to pay my total debt to XXXX XXXX. That was 3 month ago. After that, Big Picture Loan never returned my money. Several calls from me to Big Picture have been for nothing. They said that the check was sent, I never received anything. I felt like my money was stolen by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Big Picture Loans, LLC
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was approved for a {$500.00} loan through Big Picture Loans. I was unaware of the 850 % interest rate that would result in a {$4000.00} worth of payments also they had starting auto debiting my checking account for {$200.00} bi weekly. I was not able to see the truth and lending disclosure until after the funds were delivered to my bank account, There is no billing statements or any mail being delivered to my address from this company, to even show what date your account is being debited they only send an email stating they took money from your account. I feel this Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: ERC
State: CA
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 returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have several complaints, I sent a debt Verification Request and a written cease of communication notice ( limited to mail only ) to The Bureaus Inc. on XXXX XXXX, 2016. As of today they have not responded to my request in writing however, they hired a second collection agency called XXXX XXXX , XXXX. When I was contacted by XXXX XXXX XXXX on XXXX XXXX, 2016 they claimed to represent XXXX XXXX and were trying to collect a debt on their behalf. My husband and I informed them I was n't aware XXXX XXXX XXXX on our credit report and was transfered to a supervisor. The supervisor then informed us that XXXX XXXX XXXX XXXX. is trying collect for XXXX XXXX. We informed him that the only XXXX XXXX collection that we aware of is the one owned by The Bureaus Inc. and informed them that we sent them a request for Validation and written cease of telephone communications. We asked if The Bureaus Inc. sold the debt to XXXX XXXX and he informed me that they work on " behalf '' of The Bureaus Inc. and that they are their clients. We then asked why they were stating they were working on behalf of the Original Creditor XXXX XXXX because both he and the original caller stated they were calling on behalf of XXXX XXXX. The Bureaus is using another collection agency to collect a debt on their behalf, even though this agency is claiming to work for the XXXX XXXX. The Bureaus Inc. was given a request for Validation and a written cease of communication and are using another agency to communicate illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ERC
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:
Old business cell phone bill for a business I was a limited liability partner in. Debt collector did not contact me in any manner prior to listing the debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-13
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: FL
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:
Received a phone call from the 'federal student loan processing center ', voicemail left by a man name " XXXX '' and that I 'm eligible for a reduction in my student loans, an offer from the current administration. I did not speak to this person, only have a voice mail on my cell phone from phone # : XXXX. I have not and will not return the call, nor take the call if I 'm call upon again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing is the a debt collection company trying to collect on a debt that I do not owe. I've been contacted in the past in regards of this collection but, now it's on harming my credit report. I recently disputed this same item which has been removed that was verified inaccurate. I will seek litigation for this action is it is not 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 explanation
Consumer complaint received 2015-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
After receiving and reviewing the results of a recent disputes sent to me, I am now requesting the method you used to verify certain items on the credit file You have refuse to Provide me with full documentation of your process, according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX The data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that this is very appalling that you insist on reporting such derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has continually, after many conversations with them, in branch and on the phone have refused to work with me on their fee schedule and/or finding a better account of mechanism of which to manage my money at their bank. Virtually every service has an account fee, up until recently even going to the bank counter. Its been an unfortunate experience as a student and somebody not yet making a significant amount of money, bank fees this year resulted in 2.5 % of my income being unusable by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: Kelsting Group, Inc.
State: CA
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:
Credit Bureau Associates has puta collection/charge off on my credit for a account that is no longer mines!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My social security number is totally different from my dads but half of his information pops up on my credit report when my credit is ran. I 've never worked at XXXX XXXX. I 've never Rented a Place Ever, also I 've never owned a XXXX account and several other things on my credit I was underage for most of these things I think they should be removed from my credit because now as an adult I ca n't get a place

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Lost my job on XXXX from a previous injury. I tried to tell collector I would pay XXXX dollars a month but they wanted it all. Capital One has no sympathy for a person that owes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. 
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. 
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had two XXXX XXXX cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit scores for XXXX ( XXXX ) and XXXX ( XXXX ) are assessed by XXXX XXXX as " Excellent '' but my score at Equifax ( XXXX ) is listed as only " fair '' -- XXXX XXXX tells me that Equifax 's rating will result in higher fees and interest rates, difficulty qualifying for the best rates, etc. In response to my phone inquiry Equifax tells me that I am insufficiently in debt to have a higher score : Within the last 10 years, I failed to have a mortgage on any of the XXXX houses I owned and on neither of the XXXX cars that I owned. If I want to raise my score, I was told I should take out a mortgage or XXXX and take out a car loan -- -even if I pay them all off the next day. According to Equifax , if I was more in debt, I would somehow be a better credit risk. This makes absolutely no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 I received by mail an unsolicited XXXX XXXX from NETSPEND. It has my name, address and it's linked to an account number I never opened in XXXX. The attached letter said is ready for activation. This kind of aggressive marketing practice may be illegal I feel my privacy as a citizen is violated. Please, let them know I didn't ask for this card, close the account I never opened and stop sending any mail to me. 
Thanks

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 2015-05-15
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I check my credit monthly on creditkarma.com just to make sure nothing unusual pops up. When I saw a debt for comcast I disputed it. Over the last XXXX weeks I 've been trying to contact Enhanced Recovery to verify the debt and show proof of return to XXXX. However if you get in contact with someone they immediately hang up. Also they have a pre-recorded message that just loops and eventually hangs up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The Servicer Navient, for XXXX changed my loan terms without my knowledge or approval. I have never missed a payment or been late on a payment. The payments went from {$50.00} to {$150.00} without my consent. Navient ( spoke with Supervisor XXXX ID XXXX on XXXX/XXXX/2016 ) stated that there was mistake several years ago when the loan was first made and terms of the loan needed to change with or without my consent so it could be paid off in 15 years. They sent me XXXX email ( on XXXX/XXXX/2016 ) which said to go to their website to see information related to my loan, which I overlooked and never saw. The also said they sent another email, but I did not receive any other communication via email. Navient also stated they called and did not leave messages on XXXX occasions on XXXX XXXX, and XXXX, 2016. There was no written communication sent to my home regarding any proposed changes to my loan terms. The auto draft came out for my XXXX payment for the {$150.00}, which I disputed with my bank and reversed. Navient is now saying I am now past due for the {$150.00} and owe for both XXXX and XXXX {$150.00} for each month. 
I do not consent to this change and would like assistance in returning my loan terms to the original agreed terms. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: ERC
State: CA
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 did not have XXXX in XXXX 2011

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief