BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is an ongoing situation that I have with Bayview Loan Servicing LLC.. They have not fixed or credited my account for any of their errors. They have sent me a point of contact letter from a XXXX XXXX XXXX ( document attached ) and in that letter it has options and offers available. I have responded to her in a letter ( attached ) to send me any and all available assistance asap. I have also attached a statement I received abouit a week ago from Bayview ( XXXX statement I 've ever received from them ). On this statement towards the bottom of the first page on the right the show recent account history. On that it shows no payment received for XXXX and XXXX of XXXX. Not true, I sent money orders for those months in the amount of XXXX and XXXX. On a ledger sent to me by their attorney XXXX XXXX he shows the money orders however he shows receiving them both in XXXX. So, their inconsistency in accounting is VERY AGGRAVATING, and negatively impacts me monetarily and every other way.. I am also attaching a document of mine from XXXX XXXX XXXX for my XXXX tax records. In the middle of the form it has a paragraph stating " Bayview Loan Servicing LLC has requested the original tax bill with the intentions of paying it on my behalf ... .I HAVE NEVER GIVEN BAYVIEW PERMISSION TO DO ANYTHING on my behalf ... IS this even allowed. I do not want Bayview Loan Servicing to be able to get my records without my permission ... .Also, I would like an explanation of why Bayview XXXX telling you and other agencies and myself that they have owned my loan since XXXX. I made monthly payments to XXXX Mortgage for 7 years and got a transfer letter from Bayview in XXXX XXXX ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: AMCOL Systems, Inc.
State: NC
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:
my personal identity has been stolen and used to open this account i have filed police report and and affidavit to that effect but this company has this fraudulent account on file as me as well as continue to try to collect and report this fraudulent account to the credit bureaus ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Navient Solutions, LLC.
State: PA
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:
Earlier in the year, addressee, XXXX XXXX aka XXXX XXXX, applied for XXXX ; upon approval many loans were discharged. Addressee, noticed that Navient possessed a few XXXX loans, which were not discharged. Addressee, XXXX XXXX aka XXXX XXXX, called Navient and requested to know why the loans were not discharged, and a respresentative from Navient stated that it was due to name differences. Addressee, XXXX XXXX aka XXXX XXXX, then went about to gather the necessary information to encourage and quick and speedly discourage, a Navient representative informed the addressee of the receipt of information, which the addressee has via email and other information. The addressee, that Navient has not discharged the loans in question. Addressee XXXX XXXX aka XXXX XXXX, is asking Naviet why the loans have n't been dischanged, to sent the addressee the origin of the loans and to expand why the loans, the year of which, is currently under federal question?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I have received 3 phone calls in regards to check smart from a company claiming to be called " Corporate Office '' in regards to an unpaid balance ( which has been paid and I have my receipt ). They have called me three times in the past two days, XXXX number they have to call back does n't work ( XXXX ) XXXX XXXX ; had to do a XXXX search to find a working number and when I got through to someone her name was XXXX XXXX, she was EXTREMELY rude and not willing to help me unless I gave her my SSN, so I asked for a manager becaue I had no idea who the company was and why they were calling. Then the manager offered to look me up with an address and name ; she only asked for XXXX identifiers rather than XXXX which is also required through the FDCPA in regards to debt collection. Then she said I do n't know why we called you paid sorry. Then when I tried to explain that her employer was extremely ruse she told me that it did n't matter because they were n't protected by the FDCPA and to have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: AMCOL Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I just found that the debt was fowarded to collections. I have not been notify prior to that. 
It is that wasy to destroy someone credit that way I have a HSA that allows me to pay my medical bills upfront This is just ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Bryant Bryant & Associates LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received calls from " Bryant Bryant and Associates '' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n't need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2016. Franklin America Mortgage deducted {$220.00} for a payment to Hazard Insurance. However, this had just been paid on XXXX XXXX, 2016. I made the first call to Franklin American on XXXX/XXXX/2016 and was told that a check was sent to my insurance company but the insurance company rejected it several times and they ( FAM ) would adjust my account within a week. I also asked for an insurance bill. 
I called them again on XXXX because the amount was not refunded to my account and was told basically the same story by different reps on calls made XXXX, XXXX, XXXX. 
On XXXX XXXX I decided to stop calling and start getting things in writing from the Franklin American. Below is a summary of the different stories I 'm being told. 
XXXX - FAM response : A check will be mailed to me directly by the insurance company. 
XXXX - My response : When will the payment be mailed to me? What is the name of the insurance company, phone number etc. 
XXXX - FAM response : My insurance XXXX XXXX from the XXXX XXXX XXXX submitted a request to have the premium refunded on XXXX XXXX, 2016. He can be reached at XXXX. 
XXXX Called XXXX to check the status and XXXX said he did n't know anything about this but to provide him an invoice or an account number from the insurance company and he would ask for the refund. 
XXXX - I emailed FAM asking for the refund. 
XXXX - FAM response : According to our records, our insurance department is awaiting the refund to be applied back to our escrow account. 
XXXX - My response - This is not correct. I need a copy of the insurance invoice Franklin American Mortgage received and paid. This seems like fraud. I have asked several times for this invoice and I get a different story every time. 
Another problem is that my loan is being take over by another company as of XXXX and FAM has not corrected this issue. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and reporting act the following creditors ( XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX XXXX ) 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 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

You can find the following attached photos of the accounts i would like to be removed for not Honoring my CONSUMER RIGHTS.

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing you to request help to remove foreclosure from my credit score on all XXXX along with any negative comments. The reasons are as follows : 1. I was notified that I was included in a Class Action Suit against Wells Fargo Mortgage XXXX XXXX for an illegal mortgage. 
2. Wells Fargo knew I had an illegal mortgage from XXXX. Wells Fargo agreed and signed in Federal Court to modify all the mortgages that were included in the class action suit. 
3. I spent the next year trying to talk to them. I have names, times and dates if needed. 
4. I called XXXX XXXX XXXX XXXX and spoke with XXXX XXXX who asked " Why I never applied for a modification? '' I tried numerous times and was turned away repeatedly. I did finally get them to accept the application which apparently was not processed in a timely manner since XXXX XXXX had no record of it. 
5. At this point under the advice of my attorney, I stopped paying my mortgage, in hopes we would have an open honest conversation concerning correcting or modifying my mortgage. I did not write the mortgage agreement. The Bank wrote the mortgage agreement. It was their correction to make, not mine. 
6. I am enclosing a copy of a certified letter that states I am included in the class action suit. I am also enclosing a copy of the court record dated XXXX XXXX, XXXX It states that Wells Fargo was denied the right to foreclose on me. 
7. XXXX XXXX, my husband and I agreed to sell our house. We gave up, the stress was unbearable. 
8. On XXXX of XXXX, we closed on the sale of our home with a profit, not in foreclosure or in a short sale. Wells Fargo was paid in full. 
Wells Fargo 's lawyers and my lawyers were in contact with each other the whole time. 
They have ruined my credit. We were unable to buy or rent adequate and appropriate housing after selling our home. Five years Wells Fargo played games with apparently no intention of honoring their signed agreement in Federal Court to modify and correct the illegal mortgages. 
After 40 years making timely payments to mortgage banks, this has ruined my credit and reputation. I feel they have slandered my name and implied that I am not reliable. This has caused unbelievable financial damage and hardship to our family. 
I hope by sending you documented proof and informing you of the history, that you will be able to accomplish something that I could not. 
This is about correcting their report on my credit, removing anything negative from the report and damage to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to Western Union to send money to my son in XXXX, CA on XXXX XXXX. XXXX XXXX at XXXX I sent my son the tracking number. XXXX XXXX my son went to pick up the money. He was given a conformation number by Western Union to give to a cashier to pick up the money. When he gave the conformation number to the cashier he was told that the transfer was declined. He called me, I called Western Union and was told the money was picked up on XXXX XXXX at XXXX. I called back on XXXX XXXX to make a report because my son did not receive the money. I was told that it would take XXXX days for them to investigate. I feel this is a practice that is ridiculous and disrespectful to the consumer, me. I sent the money because my son needed money next day. Why do I have to wait XXXX days!!!! Someone has my money and I want to know who!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to report a paid debt to credit bureaus. I submitted proof of payment to the collection company and submitted dispute to thru the credit bureaus. This company refused to remove the information and continues to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX FL 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 2016-01-07
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, American Medical Collection Agency ( AMCA ) reported to XXXX Credit Report Agency an amount due of $ XXXX for an invoice from XXXX XXXX XXXX 

This amount was a billing error on XXXX 's part. They submitted the invoice to the wrong address for my insurance company, and when they resubmitted it, they failed to include necessary information. They continued to bill me in excess of {$900.00} for these services instead of billing me the reduced amount agreed to and contracted with my insurance company. 

It took me months to have them correct the invoice. I began communicating with XXXX at XXXX in XXXX XXXX, but the amount was not corrected until XXXX. During this time, XXXX XXXX told me that a removal of the disputed item from my credit report was impossible without rebilling my insurance company and starting over. XXXX eventually acknowledged their errors and reduced my invoice on XXXX/XXXX/XXXX to the correct amount of {$35.00}, and I promptly paid. 

I called AMCA on XXXX and spoke to XXXX, who said it was their policy to remove the item from Transunion within 45 days. I advised XXXX this was not a PAID bill issue ; it was an INCORRECT reporting issue from XXXX. She agreed and stated the company policy of a 10 business day period to remove the item from my credit. I confirmed that the item should not be marked as PAID, but should be completely REMOVED from my report. 

As of XXXX, the item was still on my XXXX report. I called AMCA and XXXX apologized and said she would investigate. As of today 's XXXX/XXXX/XXXX XXXX update, this item still appears as {$910.00}. 

Reporting a false amount to a credit reporting agency is a violation of the Fair Credit Reporting Act. I believe that XXXX XXXX as well as AMCA both violated this act. 

Today I will contact Transunion to begin a dispute process. 

For your information, there are XXXX complaints on the Better Business Bureau against AMCA for unfair billing practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: Lamont, Hanley & Associates, Inc.
State: PA
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 switched from XXXX XXXX XXXX to the parent company XXXX. The agent handled the transaction and because I was n't given a cancellation form to sign I somehow then owed and addition {$55.00}. I contacted the ins. agent in response the the threat of collection by XXXX XXXX and they worked to resolve the matter and I was told that it was taken care of by XXXX agents and I signed the needed doc. I have all the documentation to prove this email interaction. I was contacted tonight at about XXXX XX/XX/XXXX by Lamont, Hanley and Associates Collection agency ( 3 weeks after resolving the matter with XXXX XXXX ) and was told I owe the debt. I explained and asked them not to report to the credit bureau until I attempt to resolve this and they told me that is n't their problem, did n't give me an account reference number and hung up abruptly. I tried to call back twice and was unable to pass through the automated system with the reference number. I went to their website and was unable again. I have sent both XXXX XXXX and Lamont Hanley emails through their sites notifying them of the situation and not to report. I was contacted in the evening by Lamont Hanley, it is also a holiday evening, I denied being given the info I needed about the debt, they were unreasonable in resolution and rude, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled in Navient 's Auto Pay program since XX/XX/XXXX. My due date is the XX/XX/XXXX of each month. The agreement I was sent by Navient states, in relevant part, that " The payment amount of {$590.00} will be automatically extracted from your designated bank account on the same day each month... If the scheduled payment date falls on a weekend or holiday, the Auto Pay will extract the following business day reflecting your actual due date. '' Today is XX/XX/XXXX, and Navient has already withdrawn the funds from my account. Not only is today two days before the actual due date, but it is three days before the date that Navient, pursuant to the agreement they sent me, allows them the " extract '' the money ; XX/XX/XXXX, happens to be a federal holiday, so XX/XX/XXXX, is the first date that Navient has the authority, under the agreement, to " extract '' the money from my account. In addition to the date being too early, Navient further withdrew an additional amount of {$76.00} which I was not aware of nor did I agree to. 

I am extremely frustrated by Navient 's actions because the account from which they made the withdrawal did not have enough money to cover the transaction ; the account in question is used sparingly and I had to physically go into the bank to add funds to the account to ensure there would be no issues. I have multiple accounts which are segregated for different uses. I have a scheduled transfer of funds into the account in question on a monthly basis that would have ensured the proper amount of funds were in the account on the day that the " extraction '' from Navient should have been made. Now, however, I will be subject to an overdrawn fee from my bank because Navient refused to act in a manner consistent with the Auto Pay agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After our loan was sold to roundpoint mortgage company, we received a letter requesting documentation of homeowner insurance. We faxed the documentation to the number provided on the letter. We soon received a second letter requesting same. We re-faxed, emailed, and spoke with a customer service representative who assured receipt. We just got another letter notifying us of a charge of {$7200.00} to cover costs of insurance because we failed to provide documentation of insurance.

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 2015-07-02
Company: RoundPoint Mortgage Servicing LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The new servicing company did not send out their notice no less than 15 days PRIOR to them receiving the transfer. They are now telling me the Federal law states they have up to 60days AFTER transfer to send me a letter. They are refusing to take my payment ( s ), give me date when they will start accepting my payment ( s ). They said I would just have to wait till they sent me a letter and called with the info, but would take aporx 60 days! I should just " hold on '' to my payment till then ... There is something fishy about them, it 's like they are wanting you to get behind or something. 60 days would cause it to show late on my credit report and I 've NEVER been late with my mortgage before and do n't plan on it either!!! 
CSR : XXXX her XXXX : XXXX : XXXX XXXX, TX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 am a victim of identity theft and XXXX XXXX  unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.

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