BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: WALLICK AND VOLK, INC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter drafted XXXX/XXXX/XXXX that my mortgage company did not pay my XX/XX/XXXX property taxes from my reserve because of : " undivided parcel number/please send new tax bill, if applicable ''. I retrieved the bill from XXXX XXXX XXXX assessors website and faxed it to the mortgage company on XXXX/XXXX/XXXX ( I had sent a page earlier, but it was for the wrong building as I own XXXX neighboring buildings ). On XXXX I noticed the bill had still not been paid, so I called. I was told that they would " open a work order '' ( 8 days after receiving the proper paperwork? ) I checked again today XXXX, and it still has not been paid, so I called again. They are claiming that the parcel numbers do not match between the tax bill and the closing documents so they are " researching '' it. When I asked if they had simply called the county, they would/could not tell me. 

The bill was due in XXXX, and they still will not expedite the payment. What can I do?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They have responded with a response that they have stopped all collection but are still reporting. I have submitted police report and it 's clear they are still reporting. They are not being factual in responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Bread Financial 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: Information belongs to someone else

Complaint:
Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
check into cash has repossessed my car for a title loan with out do process. 
They Never notifying me that repossession was going to take place, Never giving me a chance to cure the default. I also keep in contact with the company notifying them of a hardship. I was told my dept would go to collections, not one thing about repo my car. They also are lying about sending fair notice of how to clean default. My car is worth more then I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: ESCALLATE, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A collection agency ( Escallate , LLC. ) is threatening me with a negative credit report. 
A notice was received today that I owe {$140.00} for medical services ( XXXX and XXXX XXXX ). 

The bill for the services was never properly explained just sent out to me for payment. 

I have XXXX coverage and a supplemental policy through XXXX for the XXXX service. Payments were made by XXXX and XXXX and an unexplained remaining amount billed to me. 

I never received any explanation and have not paid the unexplained amount. 

Please help me resolve this abusive practice. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-11
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Selene Finance LP took over my mortgage fom XXXX on behalf of the holders of the XXXX XXXX Loan Trust, Mortgage-backed notes, Series XXXX is the owner of the account, and sps is the mortgage servicer of the account, which gave it to Selene Finance, who put me under a Trial Modification Plan from XX/XX/2015 to XX/XX/2015, paying {$700.00}, plus an additional amount was previous the trial modification. Selene never offered an modification after the full amount of the Trial. I would like my money back since I was not given a modification. I gave money which I did not receive any financial help from selene, plus, they sold it to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CL Holdings LLC
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 was paid

Complaint:
On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DEPITE, BEING APPROVED XXXX XXXX, BY XXXX XXXX XXXX XXXX XXXX HOME OWNER ASSISTANCE FUND GRANT PROGRAM , APPLICATION XXXX FOR MAXIMUM XXXX TO PAY MY ARREARS THAT IS NOW XXXX  WITH RUSHMORE LN MNGMT SVCS LLC REFUSING TO LOWER MY ARREARS TO XXXX WORK OUT ORDER PLAN SO THE GRANT MONEY CAN BE WIRED TO THEM TO SAVE MY HOME. SO I COULD SEND THE WRITTEN WORK OUT ORDER PLAN TO: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE XXXX EMAIL : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I am confused. I had to pay my XXXX payment twice to you guys and now you want me to pay XXXX in three days. What is going on? I need someone to call him. 

Also XXXX XXXX dispute, he has not paid me. I want to continue with the dispute .I also not the leasing contract as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account is inaccurate, please delete.

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: SIMM Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Sims Associates called someone in my neighborhood whom I have never met in my life told them of my debt and my address and who I was and they therefore took the message and came to my house and knocked on my door with this information. I feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Selene Finance LP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our property is in Tn, and we had to leave due to my health in XXXX of XXXX. Leaving our sons to take over the mortgage payments and utilities and all of our belongings. Everything was going fine until we got a couple months behind in our mortgage. The original mortgage holder sold the mortgage to another company without our knowledge. 
When we found out, we tried to work with them and we told that they do n't make arrangements. They want the whole arrears or nothing. The loan holder is a XXXX Veteran and there is no way to come up this kind of money. We even gave them new our address away from the property. 
This went on for 2 years until I hired XXXX XXXX, an attorney, to stop the foreclosure in XXXX I paid the attorney to do my wishes, which did n't happen. We tried to do cash for keys, and it was never presented. We dismissed the attorney in XXXX. 
XXXX of XXXX, some XXXX came to the door asking questions about the property, wanting to come in. My son refused. She went around to see our XXXX XXXX XXXX barking, and she stated that he was the XXXX making all the noise. The next day he came up missing. 
A police report was filed. Cars passed slowly taking pictures of my house and property. 
We contacted the mortgage company in XXXX of XXXX requesting loan modification. We submitted the paper work many times and they kept tells us they never received the paper work. 
They sold the property at foreclosure sale on XXXX XXXX, XXXX, and no one purchased it. They still would n't work with us. Our personal belongings were still in the house, and we were trying to work with them so we could get our stuff out. 
We were never served with with eviction papers until XXXX XXXX, XXXX, giving us 30 days from the XXXX to remove our things. 
On the XXXX, the mortgage company ordered all our belongings inside and out side be removed and destroyed. We have litigation over the disposal of the personal property. 
This complaint is that they never allowed us to do a Loan Modification, and foreclosed on us, and sent people to harass our son while he was staying there. We finally brought him to live with us XXXX of XXXX cause he could n't handle the harassing any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: URS Holding, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
J.C.Christensen, ( JCC ) with address XXXX XXXX, XXXX XXXX, XXXX, XXXX sent a dunning letter to my home address trying to collect a credit card debt for a debt buyer called XXXX XXXX XXXX. I had never seen before that account or credit card or creditor. The dunning letter came to my home address on XXXX XXXX, 2015. 
The next day I sent a dispute of debt letter and asked JCC to validate and verify the debt. I asked the debt collector to not call me and not to obtain my credit. JCC did not verify nor validate the debt, ever. 
On XXXX 2015 I obtained my Credit Report with XXXX and I realized that JCC has pulled my credit 2 time same day : XXXX XXXX, 2015. One hard pull and one account review. I did dispute the credit pulls with XXXX and they did not removed. I sent a letter to JCC making them aware of my intentions. JCC answered that : they have permissible purpose to pull my credit. FTC and CFPB has defined very clear that that a debt collector can pull one 's credit except when the debt collector obtains it on behalf of the creditor. 
My credit rating is ruined from JCC and XXXX that started reporting trade line with XXXX XXXX and XXXX. 
I have filed a complaint for violation of FCRA and XXXX Consumer Protection Laws and for invasion of privacy. My case is located in XXXX District Court in XXXX XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
1. The XXXX XXXX XXXX send me a letter dated XX/XX/XXXX, had been retainedby New Jersey Highet Education Student Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XX/XX/XXXX, In that letter I asked XXXX XXXX XXXX , XXXX. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.XXXX XXXX XXXX garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XX/XX/XXXXXXXX XXXX XXXX XXXX regarding this maner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home loan and wanted to make my first payment today and I was told over the phone they would add {$11.00} to my invoice to make the payment via telephone. They also said the XXXX payment ca n't be made via their online website. None of this information appears on the hardcopy mortgage statement I received in the mail. I 'm more than willing to pay the amount that appears on my mortgage statement, nothing more, nothing less. I 'd like to make my {$2100.00} payment via telephone prior to the scheduled due date of XXXX/XXXX/16.

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 2022-10-31
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft in 2009 Removed off report Company got a judgement They proceeded to restrain and freeze bank account for the amount. This was 11 years ago and in identity theft that was removed off report because did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Executive Summary : Leased Vehicle - Property tax charged through date vehicle was sold at auction, not through lease termination date Background : Near the end of our vehicle lease, we received multiple offers from the manufacturer for early lease termination. The literature generally described that all early termination fees would be waived. We turned in our vehicle one month early ( XX/XX/2016 ) - our lease was up XX/XX/2016. After the vehicle was sold at auction in XX/XX/2016, we received a final settlement letter and a refund. 

Issue : In XX/XX/2016, we received a notice for {$870.00} for property tax related to the vehicle. Our lease agreement ( section 15 ) does indicate that we will pay property tax assessed for any period PRIOR to lease termination. I called Chase to verify the date the taxes were prorated. The agent indicated it is their policy to prorate the taxes through the date the auto is sold at auction. In this case, there is nearly a two month difference between the date our lease terminated and the date the vehicle was sold at auction. As a lessee, we had no control over the date the vehicle was sold, which theoretically, could have been many months after lease termination. I asked to speak to a supervisor who said she would research the issue and get back to me. She did leave a return message, but there was no way to contact her specifically to follow up, as she did not leave a specific extension or last name. Despite four calls to Chase referencing my case number, I have not received resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: ATG Credit, LLC
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a hospital visit where I saw several specialists. All medical providers billed me properly to the correct address. The XXXX company who did not, XXXX XXXX, sent communication to the wrong addresses and never reached out to me otherwise ; the company has documentation of using the incorrect address, none of which are addresses my insurance provider, the hospital, nor myself have ever used. XXXX XXXX seems to have several addresses mixed up into XXXX which created the communication error. They did however have my phone number and never used it to contact me and instead sent me to collections over {$8.00}. When I reached out to the collection agency, they were very rude and aggressive. The company, ATG Credit, refused to give assist me in a professional manner and also hung up on me. I then contacted XXXX XXXX and spoke with XXXX who said they would reach out to ATG to have my account pulled back to the XXXX XXXX to get this discrepancy rectified. The communication between both companies happened on XXXX XXXX, 2015. Since then I have not received any follow up and ATG has reported my account as Key Derogatory yet again. I have paid them the {$8.00} owed as I would have paid it if I was billed, but this is still on my report and the company did not hold up their end of the arrangement to remove the inaccurate credit infraction completely as if it were never there. IT should not have been there in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: U.S. BANCORP
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I contacted the CREDITOR requesting my original promissory note to validate the loan collection. I have received a copy of the promissory note from them which is counterfeit and does not prove they are the holder in due course and does n't bind me into paying them a dime. I requested that if they can not provide this validation of debt to take their marks off of my credit report to all XXXX credit agencies also to give me the title to my vehicle. They are still sending me letters requesting that I pay them for a loan that is not even validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: U.S. BANCORP
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a former credit card holder with US Bank. I closed my account in XXXX XXXX when I moved out of California, but an unauthorized fraudulent charge was posted on the card in XXXX. Since US Bank had no forwarding address for me, they let the fraud charge stay on the account and added late fees on top of the charge. They finally tracked me down in XXXX XXXX with a notice to submit the charge to a collections agency. I called their Fraud department and opened an investigation into the charge. They finally resolved the dispute acknowledging that the charge and the associated late fees were not my responsibility. They closed the account with a zero balance. 

But my credit reports from all XXXX bureaus are still showing six months of late charges, completely trashing my credit score. I 've been calling US Bank card holder services, the Fraud department, the Collections department and their regular customer service and nobody is interested in helping me resolve the issue. Every time, I get transferred to XXXX or XXXX agents who finally hang up on me. This is the worst possible customer service ever possible and I have no recourse to fix these late-payment items that are not even my fault. I 'm hiring a credit repair agency to dispute these charges but I want others to know how bad this bank can treat you.

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 2018-05-27
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: Account information incorrect

Complaint:
I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE.

XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.

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 2017-08-15
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Subj : Lost wire to Coinbase, Inc. via XXXX XXXX XXXX I initiated a {$15000.00} wire to my Coinbase account on XX/XX/XXXX XXXX through my XXXX XXXX account. No verifiable response was given from Coinbase as of XXXX/XXXX/17. I 've initiated an inquiry from my bank, but nothing is guaranteed and would like to further the process along with this complaint due to what I 've been reading on the blogs regarding multiple other customers having same issue. I followed this link from one of the blogs ... .help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I received a complaint by this company trying to sue me over student loans from 2006 and earlier. I have no recollection of these so-called accounts and they have went as far as to hire attorneys in XXXX XXXX and begin suing me for what they claim I owe over $ 200XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
On XX/XX/2016 I requested copies of monthly statements for XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016. On XX/XX/2016 I receive a response advising me that they have received my request and to inform me per cardholder agreement there is a charge of up to XXXX for each statement requested and to sign the form agreeing to the fee. XXXX XXXX has not provided a regular monthly statement. I have tried to access my account online but they have blocked my access. I have requested my statements for the last three months and received a response to pay {$5.00} for each statement eventhough they have n't mailed the statement denying my right to review charges and credits! Elan Financial known as XXXX XXXX has failed to provide timely monthly statements allowing me the opportunity given other regular cardholders! There attempt to extort additional funds in exchange for statements never received leaves me suspicious of this unscrupulous financial institution. At this point I want my online access reinstated and paper statements for the entire year forthcoming without delay.

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