BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
TD BANK DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX, 2014, XXXX XXXX sent a letter to Frederick Hanna & Assoc. to settle my account with XXXX XXXX. They advised them to make direct contact with them and to seize contacting me. Well, a year later, XXXX XXXX has frozen my account and placed a garnishment against me. This is enabling me to pay my mortgage and resulting in insufficient funds against my account. Frederick Hanna & Assoc. have yet to contact my attorney through XXXX XXXX and are forcing me into bankruptcy. Are n't debt collector attorneys required to communicate with Legal representation on behalf of the consumers?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LoanCare sends me letters stating that my insurance has expired, and that I am not covered for windstorm damage. I live in a condominium apartment, and the insurance policy of the condominium association has never lapsed. I have mailed LoanCare and faxed LoanCare copies of the insurance policy. They continue to threaten me that they will bill me for coverage. 
They also tell me that my escrow account is depleted because of increased taxes. XXXX apartments are taxed at a lower rate than free-standing homes.

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 2016-07-19
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I received a sizeable check from the XXXX XXXX XXXX as part of a negotiated settlement to repurchase our vehicle ( lemon law ) on XXXX XXXX, 2016. I went to my local BBVA Compass Bank at XXXX XXXX XXXX XXXX XXXX, FL at approximately XXXX on XXXX XXXX to deposit the check and was informed by the teller that the Bank was placing a 5 day hold on the amount. They were kind enough to make only {$200.00} immediately available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was recently sold to LoanCare from XXXX. My loan originally came from XXXX XXXX Mortgage and then my loan was sold to XXXX. The suspecious part of this is that XXXX XXXX XXXX owns LoanCare. I 've come full circle of shady feeling mortgage selling and buying. 

Anyhow, I was n't notified until 2 months after the fact that my loan had been sold to LoanCare. Fortunately they offer a grace period for such a thing. I eventually got set up through their phone system but they only offer robot voice attendants. I 've tried at least 8 times to contact them choosing various options but it does n't appear any humans work for LoanCare. I desperately want answers to my questions about PMI being paid off and can not get a hold of anyone. I 'm now trying to get answers through the parent companies.

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 2015-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan sold from XXXX XXXX XXXX to " Carrington. '' Within 2 months of sale, escrow payment skyrockets. As apparently as it was explained to me by " Carrington '' XXXX XXXX XXXX did not require a " 2 month cushion '' in my escrow, but " Carrington '' does. Therefore, my escrow skyrocketed. I had no say in this, no warning, no nothing. But a {$140.00} increase in my monthly payment 2 months after being sold to " Carrington ''. They waited 2 months to hit me with the bad news. They say to pay off my " 2 month cushion '', I need to pay them nearly {$3000.00}. What " Carrington '' has done is INCREASE MY MONTHLY PAYMENT FOREVER by adding " their own '' requirement that has nothing to do with my loan. I was NEVER given the opportunity to ask questions, to understand this would be coming, to shop around for a different mortgage holder -- nothing. My loan was simply sold and my escrow skyrocketed. What other new amount will " Carrington '' add to my loan WITHOUT NOTIFYING ME? When will " Carrington '' mandate that I have to have a " XXXX '' cushion?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Nations Recovery Center
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have been contacted by a collection agency that never leaves a reference number. I have always had to call them back. Most of the time I get the same collection 's rep, who always says she always leaves a reference number and if I ca n't give her a number, she ca n't assist me.. Once I got another rep. I gave my address. 
She said the issue had been solved. The agency continued to call. I do n't know who I could owe. I would hate the debt to grow because of non-payment. How can I get information on who I may owe without having information and without giving someone I do not know my personal information?

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 2015-07-23
Company: JOSEPH R. HARRISON CO. LPA
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The Joseph R. Harrison Company emphasizes that they are attorneys and will take legal action, frightening me, since I would have to make difficult choices such as not paying my rent and/or utility bills, then facing eviction and/or disconnection of electricity and gas to my home. 
I have contacted XXXX XXXX XXXX several times seeking financial assistance, and they have not responded to my applications. 
The first collection claiming that I owe {$1800.00} would have beenpaid by my health insurance at that time, XXXX XXXX. 
The collection letter for {$280.00} I have no idea what that charge is for. 
I am XXXX years old, have a documented XXXX, and I am a XXXX individual ; and currently I have no health insurance coverage at all ; because I can not afford coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Unique Management Services, Inc
State: AR
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:
Upon reviewing my personal credit report I noticed XXXX collections that I have no knowledge of. 
1.XXXX public library2. Unique Management services , inc. 
for the amount of $ XXXXThis debt is not mine.After finding this information I quickly called XXXX parties on the collection and told there must be some mistake. the collection is from overdue/lost books from the library in XXXX XXXX XXXX.I believe they have myself mixed up with my brother.We share the same XXXX and XXXX names aswell as the same XXXX initial of our middle names.I spoke with XXXX companies and seemed like all they wanted was money instead of finding out who when what and where.I explained to the library that they must have me mixed up with my brother and that I live halfway across the united states for years now and there was no way this could be me.I asked for proof of debt and was told that they only have a name and address on the account.I asked if they have a driver liscense to go along with the library issued card pertaining to the account and was told they do n't have that information just a age range XXXX ( perfectly fits my brothers age ) .I was told there was nothing they could do. 
I sent a certified debt validation letter to the collection agency asking for proof that this is my debt and all I got back was a name an address and a list of overdue/lost books and an amount of collection. 

the address they have on file for this account was my childhood home until I moved away, my brother of the same XXXX XXXX and middle initial name still lives there. 

for this debt to be mine is next to impossible.Please help and Thank you

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 2016-10-29
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had explored debt consolidation options from Great Lakes, according to them, XX/XX/2016. What I did n't know was that it triggered an automatic forebearance that kicked in for XX/XX/XXXX and XX/XX/XXXX. That meant that my automatic payments of {$660.00} were not payed for those two months, that no payment was made at all, and when it expired a recalculation to my account was made that dropped my automatic payments to {$160.00} and I actually saw my debt increase by {$220.00} due to the accrued interest. ( Debt XX/XX/2016 = XXXX, XX/XX/2016 = {$14000.00} ) I never even completed the process for the consolidation, as I was just doing research to investigate the process. I have no record of any notification of this forebearance and the impending recalculation. Compounding the issue was that these changes took place just as my XXXX email had expired since I had graduated a year prior, which they had as my primary contact. It would have helped for them to have a backup email, or to understand the school policies regarding emails, as this ca n't be a unique issue. When I spoke to them on the phone they said it was n't their fault and that there was nothing they could do about my accrued interest during the forebearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ARS continues to report on my credit file for two amounts of {$670.00} and I have requested validation of the debt being mine and they only send a letter with dates and amounts and this letter does not prove how the debt is mine. Since they ca n't they continue to play hop skip with submitting to the credit bureaus after numerous deletions. On my other XXXX bureaus.

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 2023-02-04
Company: EQUIFAX, INC.
State: AL
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:
They are in violation of my rights I want this account deleted I have court documents proving this was dismissed in court of law it should have never been reported they did this without my consent witch is fraudulent on they behalf 1000 a violation it came off my other 2 reports but some how comes back again thats not accurate information on my credit so I want it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from Ocwen Loan Servicing since XX/XX/XXXX. They told me that they can give me a modification but the amount they give me was more than the amount I could not pay from the beginning. I need help to get this company to work with me and give me a reasonable loan modification payment that I can afford. How much longer will they play this game? I understand that im delinquent but they are not helping me to get a loan mod that I can afford. 
I have now foreclosure sale date XX/XX/XXXX and am scared that I will lose my home and not get a chance to get approved for a loan mod that I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX is trying to sue me for a debt and I dont know who they are, I have never done any business with them. Apparently they also have my social security number, which I didnt give to them. I dont know them or have a contract, I never agreed to give them any of my information. My identity has been stolen and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX companies that are reporting incorrectly on my credit report due in whole because trans union refuses to investigate the said companies XXXX Nissian infinity this is reporting incorrect information XXXX XXXX bank this is also reporting incorrect information on my report XXXX federal bankruptcy this is also being reported incorrectly on my credit report

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 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

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 2016-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have purchased an house since XXXX, in other for my family can have a roof on their head. And the kids would have a safe place to stay after school and do their homework as well as my wife would feel less stress after work. 
Unfortunately, we have been struggling paying our mortgage on time or not be able to keep with the regular payments. Due to slowing economy or jobs situation and the worst of it, was the high interest rates. I have requested a loan modification where the payments would be lower where we can be able to afford the payments, but lender refused and sped up with the foreclosure process on my house. 
According to the legal papers from their attorney the house has been foreclosed last month XXXX XXXX, XXXX. But, until now my family is still living the house. We have n't received an Eviction letter or the XXXX not kicking us out yet. I am writing you, to intercede for my family not let eviction happens until the lender reverses the foreclosure sale and give me a loan modification under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was held by XXXX. I requested a recasting of the mortgage in early XXXX and sent them a check for {$170000.00}. I was informed my loan was sold to LoanCare effective XX/XX/XXXX and they returned my check. I contacted LoanCare XXXX to request instructions for recasting and to whom I should send my check. After six days they did not respond. I contacted them again and was told they would email me instructions. Another week passed and I heard nothing. Finally they did respond and told me it would take 10 to 20 business days to get an answer. I had to involve my original loan company XXXX to intervene and find someone at LoanCare to assist me because I was frustrated. We have been waiting for almost two months to send LoanCare a check for {$170000.00} and I can not get anyone to respond to me. Additionally I am losing valuable interest on the money I would be saving. I finally received a letter stating I should send my money to them and they would recast my mortgage and have it effective XX/XX/XXXX. That is an unacceptable amount of time to wait to lower my monthly payments.

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 2017-01-10
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Three months ago I file a complaint stating what happen with my TD Bank account where {$200.00} dollars practically disappear from my account. Three weeks after my complaint I received a letter from my local branch manager to talk about how we can fix the issue. It took me one month and a half for him to called me back. Today is been four months since my first complaint and counting. As I stated before on XXXX I try to transfer {$100.00} from my savings to my checking account, I made a mistake and transferred {$100.00} to my savings instead of my checking, it took me just two seconds exactly for my to realize my mistake and fix the problem right away. The next day I saw that my account had insufficient funds and I call customer service to find out why this happen, What I got was an attitude from the representative and no solution to this problem. This is not how banks should deal business, I know they have policies in place to protect their business but XXXX thing is that this bank took the money on fees when I did n't even take that money out of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
HRRG called me approximately 6 or 7 weeks ago to collect a debt that I apparently owed to XXXX XXXX XXXX in XXXX of 2015. When I called XXXX they stated that they do not work with HRRG as a debt collection agency and that I did not owe them any money. I called HRRG back and requested that they mail me a bill so that I can see the original creditor because the lady on the phone told me that she can not give that information out. After I gave her my address she stated that she would have to note on my account that I refused to pay at that time. After receiving the bill via U.S. mail, I called them because there is still not enough information regarding who I owe and once more I was told that client information is private, and I told her that I would not be able to pay it unless I knew who I was paying. She got an attitude and firmly told me that it was only {$29.00} and that I am required to pay it. Once more I asked who I owed and she stated that it was just a physician, but she could not tell me who. Then she threatened to send it to my credit and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Hi. I have called and offered to give you all a copy of the tape I sent to the consumer protection agency showing that you all do utilize unfair and deceptive tactics to collect bogus debts. I taped the court proceeding. I thought out of courtesy I would send you all a copy as I intend to sue Frederick Hanna and Associates too. 
Can you all send an email with XXXX XXXX 's Georgia bar number as it does not appear on one document in XXXX County Clerks paperwork. I sent you all a copy of the court hearing. I taped it. I am going to counter sue and sue XXXX County. I will be in touch. 
Kindest Regards, XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with non-monetary relief