BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-16
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have sent payments on my loan modification with SLS loan # XXXX. I have gotten behind a month several times but I have always caught up right away. Several times they have taken a payment made in a timely fashion and credited it to principal reduction instead on to the payment. I have had some success in getting them to fix the problem but with the XXXX XXXX payment due on XX/XX/XXXX they received XX/XX/XXXX they credited to principal and said they would properly credit it but did not do that. I made the XXXX XXXX and XXXX XXXX on XXXX XXXX and once again asked them to properly apply the XXXX payment and they still did not do that. Then on XXXX/XXXX/XXXX I called to make the XX/XX/XXXX payment and found out that they had not fixed the XXXX XXXX payment and I reviewed it with them again and asked for it to be properly credited. They once again said they would correct the problem and took the XXXX XXXX payment. When I called to make the XX/XX/XXXX payment they would not take it stating that my account was in default and sent me a notice of default. I was pretty paralyzed but by XXXX tried to get it fixed by phone again and thought I had finally succeeded when I spoke with a fellow who said he would correct the problem and took the XX/XX/XXXX and XX/XX/XXXX payments. Then in XXXX I get a statement that says my interest is 5.25 % when my note clearly says the payment is 4 %. I make the payments by phone because every time I send XXXX it gets credited to principal and not to the payments and I do not understand why. I have the names and most of the dates I talked to everyone if needed. I faxes them a " qualified written dispute '' regarding the payments, which is what I was told to do, on XXXX/XXXX/XXXX which they say they did not receive, so I sent it again on XXXX/XXXX/XXXX which they also said they did not receive, so I sent it again on XXXX/XXXX/XXXX by certified mail. I finally got a letter stating they received the fax on XXXX/XXXX/XXXX. Then when I found out they had the interest rate wrong I send another " qualified written dispute '' on XXXX/XXXX/XXXX. They say they have not received that one either when I called on XX/XX/XXXX or today on XXXX/XXXX/XXXX. I need to make the XX/XX/XXXX payment and they will not take it. I have transaction receipts for the faxes, a return receipt for the mail and names and dates for most of the calls I have made to them. Please help 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 2015-04-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
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 received an intent to sue notification in the mail on a debt to an apartment complex from a company called Wakefield and Associates. 
I knew this debt was owed and attempted to pay it immediately upon moving out of the apartment complex. I was told repeatedly that they did not have a balance for me so I quit perusing it until I received this summons from Wakefield. I immediately called them to try to settle out of court and set up monthly payments. Apx 1 1/2 years later I called to try and settle the remainder of the balance and was informed that they had been applying my payments toward a separate debt that was more than 10 years old. I was then told that my balance on the original debt to the apartment complex had been inflated to over {$XXXX} from the original balance of just over {$1300.00} due to attorney 's fees and interest. I was unaware of the medical debt until 2 days ago when I learned they had been paying on that XXXX instead. I do n't know the debt laws very well but it seems that by attempting to pay the debt down, I should n't be sued. It also seems that the money I give a company for a specific debt should be used for that debt and not for whatever they feel like applying it towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
My credit was ran to purchase a home and I found out something in the amount of {$400.00} was sent to collections to a company called Berlin Wheeler. I have never been contacted by this company or advised of this debt. However now may not get my loan due to this XXXX issue I was never informed of. I did receive what I took as a fraud call in XXXX of 2015 from a male with an XXXX accent stating they were from the federal government. The message stated if I did not pay them a past due amount over the phone within XXXX hours I would have a warrant for my arrest. I called the number back and spoke with another XXXX accent male, I told him I was contacting the FBI with the number and he hung up. I tried calling back and the number was disconnected. I thought nothing else of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Halsted Financial Services, LLC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Person called my cell phone first and hung up, he then contacted my home number. I said to this person that you have contacted me without leaving a message or who you are. I told him that I will not give him any of my personal information until he told me what he was calling for. He then started threatening me and telling me to shut up and that he did not have to give me any information. I asked again and again he refused. I told him not to call my house anymore and harass me by cell or home. I also told him that I would report them XXXX. I asked for a supervisor and he once again refused. It then became a shouting match because he called me XXXX. I let him know that I do not talk to debt collectors that I may be reached by mail only. He still refused and said they did n't have to send anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In the process of refinancing. My partner had a bankruptcy and its not closed yet due to some property being sold. SLS stopped reporting our payments to the Credit bureaus. 
We are applying for a new VA loan. When the new mortgage company contacted them they said we were late with XXXX payments. We have our cancelled check ( attached ) that show we have made all payments and are not late. We have to have a clear report from them and they have made if very difficult to get items needed. Thank you for any help. I think my loan is conventional fixed. 

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 explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The information has been reported on my credit report under collections and this information does not belong to me. From 2017 on to now these accounts were reported on my credit report and should not be on there because we have always had insurance. I am unaware of why we are getting collections on accounts that we have had full insurance for.

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 2016-06-21
Company: Comerica
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My name XXXX dob XX/XX/XXXX had XXXX scam out of my account with Direct Express, I called and reported it within minutes of discovery, on XX/XX/XXXX.filled Out and returned paper work still no return of funds will be 4 weeks in 2 days, please help Me before I go broke.My Social security is put in this account, Direct Express has not meet Expectations.Thanks for any help. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Pinnacle Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pinnacle Credit Services , LLC sent a letter out with a XXXX IRS form notifying me of my " cancellation of debt '', and that it is being reported to the IRS as income, which I now have to pay taxes on. Problem is, I never owed them or the original creditor they claim they " bought '' the debt from, anything! This was the first time I was even made aware that this shady company even had a " collection '' against me! 

Even the original creditor, XXXX XXXX, confirmed that I have never had an account with them, therefore I could n't possibly owe them anything, or the collection agency they use ( which is Pinnacle Credit Services ) and said " something is very wrong, but they ca n't do anything to help, since I do n't, or never had any account with them that they could even go off of to see how Pinnacle Credit Services even got my name and/or SSN! 

So now, I have to file forms with the IRS for Tax Fraud against this company to prevent them from claiming they forgave a debt which is taxable. 

They refused to have any conversations on the phone, and after several hours of calling them and being put on hold every time until they decided to just hang up the line, my only recourse at the moment is to file complaints. I 'm now in the process of filing with the Mn. attorney generals office, the XXXX attorney generals office, as well as filing Identity theft charges against this " company '', as well as trying to get them to delete their fraudulent reports on my credit. 

They at no time have ever contacted me about this " debt '' and will give me no information as to original account information from the original " creditor '', no date at which they " bought '' the debt, and no information as to how they have my personal information when the " creditor '' they listed as being the people they " bought '' the debt from has no idea or account information regarding this so called " debt '' in any of their records! 

This company is a fraud, and is committing a crime, and I 'm not the only one they have done this to, and are doing it to as this is read. 

I was advised by the XXXX. state Attorney generals office that they would start an investigation into this company for identity theft on a broad scale if more people having these issues would contact them and file a report and make them aware of what 's going on ( not like they do n't already known, a simple search of the internet will yield numerous complaints of this very thing! ) but seeing this company ( Pinnacle Credit Services ) is a " LLC ( limited liability company ) operated by several small shady law firms, I 'm sure someone up the political tree is getting their palms greased and they will go unpunished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: ATG Credit, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant because I have not applied for any loan ; education/student loans or financial assistance to return to school since 2009. 
Please see the attached affidavit pertaining to the ongoing report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2016-06-14
Company: Stellar Recovery, Inc.
State: AZ
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:
Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show I paid. This is unacceptable. I spoke to a XXXX XXXX and stated they will report it to the credit bureau. I would not have paid a dime unless the item was going to be fully removed. I had no idea what this debt is, but {$84.00}? Really? had they contacted me by phone or my address since what they had on file was a old apartment I lived in XXXX years ago. I was made aware when a mortgage lender pulled my credit report. So, I had to reach out to the original creditor to see if I can fix this with them update my address even tho I do not have XXXX anymore. Then, was told that Stellar recovery had the collection now and there was nothing they can do for me. I likely would have simply paid them to avoid poor marks on my reports. This company blatantly broke laws outlined in the Fair Debt Collection Practices Act, and I EXPECT this to be made right by me. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Servis One, Inc., Titusville, PA Branch
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSi financial one again has done an incorrect escrow analysis that has raised my mortgage payment by XXXX dollars I sent them a qualified written request with a copy of my tax bills and insurance. I also called them and explained the mistake but after 2 months they have not yet corrected this. They have called me several times and I have explained this several times to several different BSI employees each time they have promised to fix this problem yet they continue to call me and send me outrageous bills.I have been sending my regular payment in each month but they are not applied to my balance.this is the same problem we had last year and it was not fixed until we filed a complaint with the consumer financial protection bureau. This is a simple and obvious problem and at this point I feel I am being harassed by this company to the point that I am considering refinancing with a different company. I am also concerned about what they have put on my credit report. I have had this mortgage for 3 years other problems I have had with them my homeowners insurance was not paid on time and my taxes were not paid on time but they fixed these promptly after I notified them. Bottom line is this company has been a nightmare I ca n't imagine dealing with this company for 27 more years they should be finned for this kind of incompetence they should pay my closing costs for a mortgage with a reputable company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: FIRST HORIZON BANK
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My ex-spouse will be short selling the former marital residence where I hold a home equity line of credit. When contacting First Horizon/First Tennesse bank I was advised they would entertain a short sale and that I as the loan holder would still be able to pay them the full amount so it not damage my credit. I was told by their SVP and chief legal counsel that they are more than happy to accept payment in full and ontime however they still will put a negative mark on my credit report Bc of the word short sale. How on earth can someone be harmed by a negative credit mark if a loan is paid ontime and in full? It does not appear right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: MSW Capital, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
FYI, there not much of a selection for the specific issue of this misrepresented matter so therefore I went with the best possible selection by selecting there should be no response to lawsuit. 

I settled a debt XXXX/XXXX/2014. The settled in full letter provided Is not sufficient according to the credit bureaus. The credit bureaus will not acknowledge the letter due to the debt collector being a third party who is representing another third party and the letter lists the original creditor as well as the full original account number. I told the collection agency, XXXX XXXX XXXX, the credit bureaus is not accepting their letter. XXXX consistent response was we never have this issue and we send letters all the time and there is no issue having the credit bureaus being updated. I 'm having an issue an no one is wanting to help. Do not tell consumers a letter proving the debt has been resolved will suffice. Very misleading and is a violation of the fdcpa. If I am telling this business the letter is not working they should make an effort to resolve the issue such as contacting the debt purchaser, who will not answer the phone, to resolve the issue. I also tried contacting the original creditor and I ca n't get any confirmation of this debt was even place with this agency and the fact XXXX is not willing to contact the bureaus or help rectify the issue is a red flag.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CONTRACT CALLERS 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:
In regards to case # XXXX I just realized that this agency is doing this illegally. XXXX XXXX is from XXXX and this is how this bogus account came to being because XXXX told his associates to make up this debt to collect it from me. He knows about the code enforcement and the XXXX being aware that he was illegally pirating power and putting the charge on my account. I have my closing bill from XXXX, XXXX. and I will enclose it as a attachment

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 2016-10-27
Company: STERLING JEWELERS, INC.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was walking through the XXXX XXXX in XXXX, Ohio and was passing by the Kay Jewelers store. A Kay Jewelers employee asked me as I passed if I was XXXX. I said I am XXXX. She said she needed only XXXX signatures that day to meet her goal and would I help her? I have goals at work too so I thought I would help. She said it was a newsletter and I would be getting something in the mail soon. She said she needed to ask me a few questions and was typing information on a tablet. Apparently, she was signing me up for a credit card as I got XXXX in the mail and my credit report showed I had a inquiry and a new account. I had no idea that she was doing this. Not once did she mention a credit card. I have n't ever had a credit card so I did n't realize that this was n't a newsletter but a credit card. Also, I have no one to buy jewelry for and I do not wear any myself so this would be the last place I would apply to get credit. I am very upset at my credit being affected and being lied to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: Consumer Portfolio Services, Inc.
State: MA
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 received a decline letter addressed to a XXXX XXXX at my address. I did n't notice the name until I had opened the letter. Upon seeing the company name CPS ( Consumer Servicing Center ) I contacted them to have it corrected and they could not locate either the name - XXXX XXXX and or my address XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to get help with my student loan through Sallie Mae. I can pay my loan every month in full but I am living paycheck to paycheck. It is one of my highest payments each month and I have contacted them several time for assistance. They tell me I can go into forbearance but interest still accrues which will put me into even more debt on top of a {$150.00} payment every month that goes towards nothing. Recently, my interest rate was increased without notification and the only other way to lower it is to go on automatic draft. I do not have a problem with this but I like to pay my bills on certain dates and this will not work. I strongly believe they are being very dishonest with me and need help. I have no problem paying them but I have a problem that they will not help a loyal consumer get out of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation