BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-22
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The debt collection agency listed below continues to contact consumer after being told to 'cease ' contact : XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXoll Free : XXXX : XXXXE-mail : XXXXXXXXXXXX : XXXX Contact : XXXX Email : XXXXXXXXXXXX XXXX : XXXXXXXXXXXX OfficeXXXX, XXXXToll Free : XXXXEmail : XXXXXXXXXXXXThe debt collection agency continues to contact consumer ( acct # : XXXX - XXXX XXXX XXXX ) who disputes owing the collection agency a debt. The consumer continues to receive letters from the aforementioned debt collection agency after notifying the agency ( in writing ) to cease and desist contact. Consumer wishes XXXX XXXX XXXX XXXX to 'cease ' all contact with consumer by mail and/or telephone after receipt of this dispute notification. Consumer does not owe a dept to XXXX & XXXX Services. Consumer has no fiduciary, contractual obligation to pay XXXX & XXXX XXXX anything. There is no payment history, nor products, or services that has been rendered to XXXX XXXX XXXX XXXX because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act, ( SSA ). Consumer is head-of-household and possesses no property of value. Consumer refuses to be a victim of 'unjust enrichment, fraud or extortion '. Consumer wishes to thank the Consumer Financial Protection Bureau ( cfpb ) for providing a venue of mediation, documentation and governorship over debt collection agencies that are under the jurisdiction of the Federal Trades Commission ( FTC ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). Again, thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Bonneville Billing and Collections
State: UT
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:
When they originally called they actually called my in-laws who would not give them my number, when I called them back she did not tell me it was an attempt to collect a debit or anything of that nature. Basically jumped right into making payments. In XXXX 2005 I received some charges in which I was to pay some fines, over the course of a few years I made payments, and when I filed my taxes they took my state return. I assumed since I was n't getting returns that they were still taking them, I was just contacted today for this debit ( 11 years later ), according to them they have sold my account 3 times and have failed to find me, yet I 've lived in the same county for 8 years, gone to school, applied for loans, I have phones and bills in my name, not to mention a simple google.com search brings up my information. The original debit is for just under {$900.00} now they want me to pay over {$1300.00} for their collection costs. They were able to verify my address in XXXX XXXX, Utah. I do not have any type of documents and when calling the court house they have destroyed my file therefore there is nothing left of this case.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: R.M. Galicia, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
not my debt.. XX/XX/20 credit monitoring company sent alert of suspicious activity.

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 2016-07-31
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
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 XXXX I had a few unpaid toll road charges assessed to my license plate from the XXXX XXXX XXXX XXXX XXXX. I am a toll tag consumer with XXXX Texas XXXX XXXX. In the state of Texas if you have a toll tag with another agency, your toll tag is operational within the state Texas. Linebarger, Groggan, Blair, & Sampson LLP is a collection law firm for the state of Texas. XXXX fail to notify me about these unpaid charges. They claim they sent invoices to the mailing address associated with my XXXX account. I never received those notices. In fact in XXXX I received an invoice from XXXX and took care of those charges. My mailing address has never changed. After 60 days my unpaid tolls were sent to the collection law firm. They claim they sent notices and phones calls I never received. XXXX XXXX, XXXX was my first notification, because I was renewing my vehicle registration and there was a hold on my registration. I am a law abiding citizen and a tax payer. I would have appreciated if XXXX would have notified me better, so all of this would have been avoided. I have a toll tag account in good standings. Those toll charges could have been deducted from my account. XXXX policies are not set up that way and they do n't share or have access to the different toll agencies. I have been trying to negotiate with the law firm, but they keep giving me the run around. I thought a had a glimmer of hope when a representative from XXXX 's administrative office contacted me to make a settlement with removing some court fees. The total bill is {$490.00} and the administrator offer to reduce the charges to {$280.00}. I counter offer for half of the {$490.00} with {$240.00}. The administrator explained she had to consult with the attorney. The attorney denied my offer and it 's written in their system that I denied the settlement offer and I have to pay the full amount. I need my registration newed so, I will be in compliance with state operating my vehicle on Texas roads. I am restricted to use the toll roads, because this matter is not resolved. This is all a big inconvenience for me. XXXX is being greedy and want to enforce their laws instead of being reasonable and work to with me. I feel I should not have to pay those tacked on fees just the toll road charges which total up to {$14.00}, but I 'm willing to pay some fees, so that I can move on with my life. I do n't have time or the energy to go back and forth with these people. Can you please help 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 2015-06-30
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am needing to buy a home for my grandbabies to grow up in with me. My credit report has this collection on it and I think it 's wrong. They never write me or nothing!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Bliksum, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XX/XX/XXXX I applied for a loan with loanme.com. Under distress I got this loan yet not fully understanding how the interest rate and payment would go. After making payments for a loan of {$2500.00} I was told in XX/XX/XXXX that I owed over {$6000.00}. It would take over 2 years to pay off. I do n't have that kind of money nor knowledge of how this would work. anyway the calls of been a lot. as of XXXX/XXXX/XXXX I received a bogus threatening email stating I was taken to court in XXXX. I called the XXXX court and they have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602. states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not funish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose.

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 2015-09-12
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. 
Please let me know what steps I should take. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Credit Protection Association, L.P.
State: WI
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 moved from my old home to my new home, during the process an unpaid electrical bill was left outstanding. I was unaware of this until I received a letter regarding the debt. After careful investigation on my part I determined the debt was genuine and called them to pay it. I asked if my credit report was affected to which I was told if I paid that day it would not be. I paid the debt on XXXX/XXXX/16, I received confirmation from the debt collector and have a bank statement showing the debt was paid. I continue to get calls every day from them seeking payment. The debt collector uses a automated system that makes you jump through hoops to speak with a real person. It can take up to 30 mins or more to finally get to a real person. I have called them three times now, each time explaining to the person the debt is paid. I give them the confirmation number and tell them stop calling me. They promise to resolve the issue, except the next day I will get called again, and again. I have had enough, and I think it is time they start paying me for the time I have lost calling them back. The debt collector still claims I owe the debt as well, despite my confirmation receipt from them and my bank statement showing them being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Servis One, Inc., Titusville, PA Branch
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage has been paid to below XXXX % since XX/XX/XXXX. By law, the servicer is required to drop Private Mortgage insurance at that point. I have requested our servicer, BSI financial to drop the PMI three times, and it has not happened.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Global Credit & Collection Corporation
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Global Collections Corporation - Claiming to be collection on behalf of XXXX. XXXX has not communicated with me - turned over to collections and I am now dealing with Global Collections Corporation. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: First Data Corporation
State: OR
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My social security number was stolen back in XXXX and the federal government sent me a letter stating this in XXXX. Then this year I started to received phone calls from TRS recovery services stating that I owned on a payday loan, and I told TRS that my ssn was compromised back in XXXX and the agent did not care and stated that I had to pay the debt or else it will post to my credit as bad debt. I was then transferred to a supervisor and I explained the situation and that they had to file a fraud form and the supervisor stated that was not their job to do that. I stated that under federal regulation ( I used to work for XXXX consultants, a collection agency ) that they had to filed the form for fraud, and the supervisor stated that was not her job so I told the supervisor that I was going to file a complaint with the state and the better business bureau. The supervisor stated that they will still call until the debt has been collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They sent my debt to collections after I have paid on the debt. I received only XXXX notice that I had the bill in the first place. I have financial aid from the hospital who said they were going to call XXXX and tell I had financial aid. I have excellent credit and never had anything sent to collections in my life. I am so mad and I want it taken out like it does n't exist. I will scrape up the {$62.00} I owe somehow. How petty when they cashed my payment and still sent it to collections, unbelievable.. XXXX XXXX Check # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the second year in a row my mortage company Shellpoint mortgage has not paid my school taxes which are escrowed and the school is threatening that this is going to their attorney now. These were due XXXX of last year 2014.

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 2017-03-22
Company: ONLINE Information Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never received anything from the debt collector. The right to dispute, who they were, amount owed, or nothing at all from them. We got the first phone from them end of last week and tried to call back that day but was already closed. Got another call Monday and called back and spoke to them. Found out that the info is wrong on the account. My fathers SSN is on the account and he is not connected to any of my stuff. I called the place that originally had the account to confirm that they have the right info and they do n't even have my SSN on my account so was not sent to creditor like that as they claim. And because I was never notified of they creditor or anything from them I have not made a payment bc I did n't even know they had the account until I just got a phone call. And so this whole time they have been reporting it to my dads credit which has hit his credit big time and he had excellent credit. They should t of reported anything bc I was never even notified for one and for 2 his XXXX should not be on the account, mine should be. We have tried to get them to remove his social and at first was told it ca n't be and then I talked to XXXX the supervisor who was very rude and said he can and it will take XXXX hours and they will report it to min but should n't be reported period bc I was n't ever notified of the debt or given a chance to dispute it. They received the account back in like XXXX XXXX and it 's XXXX XXXX now and this is the first I have heard of them ever. XXXX said " he will do what he wants when he wants and there is nothing I can do about it ''. I do n't appreciate the unprofessional communication especially from the supervisor. And they are not willing to correct the issue and work with us. So we are asking for your help to get this resolved. I have been paying on the account but bc it was n't paid off in 120 days it got sent to them but was never notified by them of it and who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For the past 3 years I have been trying to apply for a loan modification. The company refuses to give updates when you call. They make you schedule appointments ( run arounds evasive ). The website clearly shows the documents are uploaded and the a gens confirm receipt of the documents but then they say I am still missing information. In the past 3 years that is the only answer from them is something is missing and I need to send pay stubs again. every month that goes by I send more pay stubs and then they say a letter is being sent in the mail but all it is, is the modification application again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know what this company is and have never opened credit with them. Please help

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 2017-01-05
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have been back and fourth with this company now for almost a year about removing his fraudulent account from my credit. I asked them to VERIFY this account with proof of my signature SEVERAL times and this final time I was asked by Bridgecrest for me to mail in copies of my license, social security card, and a Notarized Theft Affidavit which I did only to receive a letter a week letter requesting the SAME EXACT information ... I called Bridgecrest on today XX/XX/2017 and spoke to a rep that said that XXXX ( another rep ) at this company " verified '' my signatures matched on everything. This is the SAME information have been requesting for almost a year in writing which I KNOW is COMPLETE XXXX. Because this is a fraudulent account. I have done my part as far as disputes, Theft Affidavit 's, and reporting to CFPB. Bridgecrest can wash their hands with getting paid for this XXXX. account because it will NEVER happen. You should investigate better when something is being brought to your attention as well as hire people at your locations to do better jobs at verifying peoples identity " WE ALL DO N'T LOOK ALIKE ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A recorded call, received XX/XX/XXXX while at work, intimidating and threatening action if not re-contacted by a certain date ( XX/XX/XXXX )

Company response to consumer: Closed
Consumer complaint received 2016-12-21
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home flooded XXXX XXXX, 2016. We submitted a claim with our Flood Insurance and was paid XXXX in damages. The check was written to us and Ocwen Loan Servicing, LLC ( our mortage co ). ( loan no. XXXX ) ( XXXX ) We contacted Ocwen and was put through to their Loss Draft Department. We were told what documents were needed to get draws from our account. We have repeatedly submitted ALL REQUIRED documents and Ocwen has paid out XXXX as of XXXX. We submitted 3 estimates to be paid on XXXX XXXX. We have called several times a week to check the status of the checks. We are told EVERY TIME something different, ie. XXXX documents now rejected, adjuster document rejected ... They have ALREADY paid out on these contractors bills, how are they now rejected? We are then told our " request for payment '' will be sent to be approved, then we are told are request was approved and check submitted only to NOT receive the check. We paid a fee to have ALL payments overnight mail to us. We call the next day and are once again told the exact same thing, from the rejected documents, to its going to board for approval, to it will be sent out with note to rush the process, etc etc. We CAN NOT have our home repaired and completed if Ocwen holds our insurance money and does not pay out to our contractors. We are homeless and just want to go home. This is OUR Insurance money, NOT Ocwens money. How can they NOT pay out when we have complied with their policy, rules and regulations.

Company response to consumer: Closed with explanation