BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-17
Company: We Collect Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had this phone number for 6 years now and I keep getting phone calls from debt collectors for   XXXX   XXXX   despite the fact that I have repeatedly told them that I do not know who that is, that this is not his number, and to stop calling me. Atlas Financial will not stop calling me despite me having told them this information several times. They call me at least once per week and sometimes they call more than once in a day, they call me with a robot pre-recorded message, they also call me sometimes with live people, they skip the phone call part and somehow direct themselves directly to my voicemail without my phone showing an incoming call at all, and sometimes they actually do make my phone ring before going to voicemail. There are also signs that this is a scam because when I  XXXX  Atlas Financial it comes up with a company that has nothing to do with debt collection, but I do not care to check into it deeply since I am not the person they are supposedly trying to reach anyway. The number they call from is  XXXX  although they have also called from a blocked number and from a phone number in  XXXX , Washington that I did not keep a record of. Their pre-recorded voicemail message that skips having my phone ring says, " We have an important message from Atlas Financial Services, this is a message from a debt collector, please call  XXXX  or visit our website at www.myatlasaccount.com. '' The reason I know they are looking for   XXXX   XXXX   is because when they periodically have a human call me that is the person they either ask to speak to or leave a voicemail message saying they are trying to reach. Please make them stop calling me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by this law firm- Linebarger , Zgoggan Blair & Sampson claiming to collect a debt on behalf of XXXX prepaid program, but the issues with the letter they sent me were that : it had the wrong parent company name ( they used XXXX instead of XXXX ), they used the wrong website ( XXXX, instead of XXXX ) they used an account number that was n't mine, and my account setup with XXXX mandates that they automatically reload my account from my credit card, so having an outstanding balance is not possible. My opinion is that this law firm - Linebarger, Zgoggan Blair & Sampson is practicing some sort of fraud to collect money from toll customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint because I were recently alarmed by a statement from a first American title insurance company in reference to claim no.  XXXX  referred by parks title and the intake worker said BOTH OF YALL NAME IS ON THE TOP OF THE TITLE. I am seeking action without delay to deal with   XXXX   XXXX   whom committed mortgage fraud and must be held accountable.
  XXXX   XXXX   and his daughter Immaculuate   XXXX   listed on the covenant deeds claim they bought   XXXX   XXXX   XXXX   at a bank sale for   XXXX    from   XXXX   XXXX     XXXX   XXXX   and harassed me to moved out.
They claim parks title conducted the title work and I were contacted by the federal trade commission in  XXXX  revolving around ftc #   XXXX    and instructed to call   XXXX   and see what they would do for me. They repeat over and over that they were sorry for what happened to me and would do a lien release on the property which I received  XX/XX/XXXX . The  XXXX  loan is marked paid off on my credit report in  XXXX . Also the case was published by the OCC complaint no.  XXXX   XX/XX/XXXX  against   XXXX   XXXX   and fined   XXXX   XXXX   and a cease and desist order made by the Court.
There is no legal transaction on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Ark-La-Tex Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, my mortgage company, Benchmark, did not pay my homeowners insurance premium to XXXX XXXX XXXX from my escrow account. No one contacted me about the lack of payment, I just happened to notice that on my insurance app my policy was listed as " cancelled ''. When I called to figure out why my policy was cancelled, I spoke to XXXX representatives from the mortgage and insurance company and they said the situation was resolved. 
In XXXX 2016, my policy was still listed as cancelled. When I called, apparently the situation had not been resolved and my policy was cancelled.. Again, I got representatives on the phone who got in a XXXX way phone call with me to resolve any and all issues so that my policy could be reinstated. I payed {$450.00} in order for this to occur as a penalty. I also learned that my homeowner policy was cancelled for the last 6 weeks as a result of lack of payment. I was promised follow-up calls from each company in 10 working days to verify the situation had been resolved. 
XXXX 2016 - Still no payment had been made. Neither representative called to verify payment as set up previously. Spent a week on the phone with each company, and as off today XXXX/XXXX/16, no payment has been received. I am having to make the payment myself so the policy is not cancelled a second time.

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 monetary relief
Consumer complaint received 2020-06-20
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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 requested five different times of the 35 day span debt validation and that verification regarding the accuracy of the day because the debt was paid off and shouldve been deleted off my account and its still not Ive asked for different times for the original agreement the death summary debt validation along with payment some reason and I have yet to receive that this letters have been sent for over eight months with a 35 day time at least in between

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 2017-07-17
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Transferred {$2000.00} to a coinbase account and my email was hacked now I 'm locked out of my coinbase account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been disputing these accounts for the longest with XXXX, Transunion and XXXX. I have 3 seperate student loans accounts through XXXX that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/XXXX on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. XXXX actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while XXXX has XX/XX/XXXX and Transunion XX/XX/XXXX. XXXX doesnt have the months term included. Date Last Active are all showing different dates for all 3 accounts. Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX while XXXX has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by XXXX on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.

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 2016-10-24
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Rewards

Complaint:
From XX/XX/2016 until XX/XX/2016, BBVA Compass Bank ran a promotion that would provide XXXX rewards points ( each point with the cash redemption value of XXXX cent ) on all purchase made using the XXXX XXXX XXXX XXXX card. During that time I made XXXX payments to a merchant called XXXX with my BBVA XXXX card, XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. Out of those XXXX transactions, XXXX transaction totaling {$4800.00} made on XX/XX/2016 only received XXXX reward points while other XXXX transactions received XXXX points. Thus I am owed XXXX ( XXXX x XXXX ) additional points from BBVA Compass. I contacted BBVA Compass regarding this issue and the bank declined to issue me the rest of points stating that XXXX is not a supported merchant during that promotion. This statement is clearly false as I received the bonus points on the other XXXX XXXX transactions I made during the promotional period ( See Attachment ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Carrington Mortgage has been informed that a solid contract was in place, however they have continued pressing for foreclosure and will not stop the foreclosure. We have been more than forthcoming with the fact that this is ready to close but they tell us that we have to talk to the foreclosure attorney, the foreclosure atty says that only Carrington can issue the order to stop the foreclosure. We spoke to XXXX XXXX and she spoke with someone in home retention and they are passing it back off on the XXXX and XXXX the foreclosure attorney. Even with Autnorization

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: BlueChip Financial
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX is attempting to collect on a debt for an illegal payday lender named Spotloan. They have called my work number after I 've informed Spot Loan and another company affiliated with XXXX that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another one of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. XXXX violated the FDCPA by contacting me at work after I 've asked the original creditor, XXXX 's affiliate, and XXXX not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Experian credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Experian via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Experian and stated this, I was constantly told to contact creditor even after I told them that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Experian to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
<P/>
The list of unauthorized credit inquiries consist of :   XXXX   inquiry from  XX/XX/XXXX   XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX    inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX   XXXX    inquiry from XX/XX/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 2016-10-28
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BBVA Compass keeps manipulating transactions and charging me overdraft fees The transaction they claim overdrafts my account never shows on the online banking And the fee is always when I have a positive account balance bigger than any transaction I have made. They refuse to refund these fees and tell me their system is different from what I can see. It appears to me they are stealing my hard earned money because you ca n't charge a customer a few and not show them on the system you give them to monitor their account where the fees originate from. They have now stolen over {$200.00} from me this month alone. I want my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
complaint against BBVA compass for not honoring information provided in writing - refusing to cancel auto pay even with 3 days notice- constant mis information provided by the phone agents - excessive hold times and not providing reasonable and realistic to industry standards for payment options

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a non profit helping me. They call the lender to let the know I have decided to do a short sale on my home I was informed that it take 38 day for them to review my short sale document I asked if them can propone the sale date for I can turn in a short sale document. the rep.  XXXX  said that they will not proponed the sale date for I can submit a short date applicant I can put it in writing but it will not stop the date I just would like just I time for I can do a short date there not willing to work with 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 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 HAVE SUBMITTED 2 COMPLAINTS PRIOR TO THIS ONE. I AM A VICTIM OF THE INQUIRY ISSUE WITH TRANSUNION. AND ASLO IDENTITY THEFT. OVER THE PAST 4 YEARS MY CREDIT PROFILE AS BEEN A LIVING NIGHTMARE. FROM SOMEONE USING MY IDENTITY IN A DIFFERENT STATE TO NOW I HAVE SEVERAL UNAUTHORIZED INQUIRIES THAT I DID NOT REQUEST I HAVE SENT CERTIFIED DOCUMENTATION TO EACH COMPANY ASKING FOR PROOF OF INQUIRY AS OF TODAY NO RESPONSE FROM MY CERTIFIED LETTERS TO THE FOLLOWING CREDITORERS :   XXXX   XXXX   XXXX   XX/XX/XXXX  - XX/XX/XXXX   XXXX  -- - XX/XX/XXXX    XXXX   XXXX   -- - XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   - XX/XX/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 explanation
Consumer complaint received 2015-06-23
Company: Focus Holding Company
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan went into forclosure due to an issue with a divorce. Once I got that out of the way I filed for bankruptcy and put the house on the market for sale. I got a full price offer within 15 days and went to set up closing on XXXX XXXX, 2016. My title company requested closing documents from Planet Home Lending ( my mortgage company ) on XXXX XXXX. When we got to XXXX XXXX, and had not received closing docs we called Planet home Lending who said they see they received the request but ca n't find it. Please resubmit. So we changed closing to the XXXX of XXXX and resent request. We never heard back again so on the XXXX we called and they said we would have in the morning before my title company got in the office. We are calling and emailing everyday at this point but only being able to speak with customer service and they would not let us speak with the closing docs dept. so long story short we have had to cancel closing 4 times. We are set for closing now on XXXX XXXX but seems like we are not going to get closing docs. I have had to allow buyers to move in home with free rent for almost a month now and I have had to pay electric and water to not get them to pull out of sale. They said if we do n't close XXXX XXXX which will be the XXXX time we have cancelled closing due to not having closing docs. So I have had to get charged for an extra month of mortgage, extra month of penalties and fees and the rent, electric and Water and now I may lose the entire sale. I feel because I have so much equity in the home that they are trying to sabotage the sale of the home so they can foreclose and repossess the home. I was told there was a law that gave mortgage company 7 days to give pay off. We have been waiting almost XXXX now with no end in sight. Please help! 

XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-07-17
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have filed for   XXXX   and am suppose to send information in each year. I mailed information and have faxed information several time On  XX/XX/XXXX  I received an email stating I need to make a payment.
I was told on  XX/XX/XXXX  that Nelnet had received all my income verification When I calledn today XX/XX/XXXX  they stated that they had received the information. I mailed them a copy on the XX/XX/XXXX and faxed the information as well.
What did they do with my information.Please help I made {$5300.00} working for   XXXX   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX    XXXX     XXXX   That was my income for  XX/XX/XXXX  to XX/XX/XXXX . I am mailing them the copies again and addressing them to  XXXX  of whom i spoke with today at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: SECURITY FINANCE CORP
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I get multiple calls before my due date. If I happen to mention a day that I will pay, I will get calls every day after that day if I do not make it in until I come in. Very unprofessional and down right annoying. The loan is for less than {$600.00}. The payments are {$90.00} a month. Its ridiculous. No auto pay option thru the company.

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 2017-07-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
It is   XXXX   XXXX   2017. I have been on hold for upwards of 2 hours attempting to reach an agent in the United States to discuss terms of my myriad federal and private loans with Navient. I spoke with them last month about updating my income based repayment. Now they are saying that my loans are late, although I already submitted the paperwork. Conveniently, the document is not appearing in my document upload portion of the web site. I am sick and tired of the abuse and run around from this predatory lender. In the past, they tricked me into using forbearances instead of lowering my repayments. They only care about profit, not helping customers. My payments only go towards interest, never the principal. This monthly procedure makes me sick. Please help.

Company response to consumer: Closed with explanation