BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: Credit Bureau Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Account number CBCS - XXXX Dear CFPB, Please accept this letter as a formal complaint against XXXX Hospital and their 3rd party collection company, Called CBCS. Please know that I have attempted to straighten this out with XXXX Hospital and CBCS several times with no results. 

My complaint is as follows, In XXXX 2015, I made XXXX payments to XXXX Hospital as noted below. Proof of all payments is attached XXXX XXXX, 2015, made payment of XXXX. This electronic payment from my XXXX account was made too XXXX hospital, who transferred the money to CBCS. Payment was cashed on XXXX/XXXX/15 BUT NOT APPLIED TO MY ACCOUNT. 

XXXX XXXX, 2015, Payment of XXXX hard copy check # XXXX. This was cashed and applied to my CBCS account on XX/XX/2015 XXXX XXXX, 2015 Payment of XXXX hard copy check # XXXX, this was cashed and applied to my XXXX Account on XXXX/XXXX/15 XXXX XXXX, 2015, Electronic XXXX payment of XXXX was made to XXXX who transferred the money to CBCS. This payment was cashed and applied to my CBCS account on XXXX I have requested a statement from CBCS of my account and all transactions, they refuse to send it to me. 

I have filed a dispute with CBCS and their investigation deemed that they did post my payment to my account. However, my account balance is not showing that this was done. 

NOTE- This is the 2nd time in a year that XXXX and CBCS has lost my electronic H., XXXX payments. 

Please assist me in getting this matter resolved and my lost money found along with an apology from XXXX and CBCS. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Russell W Richardson, Attorney at Law
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They have called multiple in-laws, grandparents and estranged cousins today threatening legal action against me if they do not get me to respond within an hour to 30 minutes, today. 

Each family member has been told that they have been attempting to reach me. They 've been told I 've ignored their calls today. My cell phone and work phone have been silent. Furthermore, I have never received paper notification from this company that I owe debt to them or any of their affiliates. 

All of the people called are not people I have never used as credit reference, nor live in the same State as myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: States Recovery Systems, Inc.
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:
I have sent a letter to this company. They are still reporting this incorrect information on my credit report. It is ruining my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2015 I was online trying to file for identity theft on the symmetry website which is the federal government website upon completing the identity theft application submitted it automatically took me to a PDF filler require me to pay {$4.00} I authorized it by giving them my pre-pay American express serve card when the discharge was placed on my cardit was pending for {$71.00} so I contacted American Express serve to dispute the matter they explained to me that I would have to wait to the transaction poles so I waited till I saw to Transaction the next day probably XXXX XXXX, 2015 I was informed by the individual look at the place to dispute for the transaction and that I would have to wait five to set 10 days for it to process it is now I contacted American Express serve XXXX XXXX, 2015 to inquire about my refund of the dispute I was informed that the person did not I guess did not put it in intentionally and only indicated that I wanted to dispute it I requested to have the recording pool they jumped on the route because they know they intentionally did not want the recording to be pulled to show that what I requested then I asked the young lady to submit the dispute again leaving me having to wait amount of 20 to 25 days just to get my dispute or my refund back I asked them why I could not be see my statements they could mansard said that this is such Internet website and I will have the printed this brings people that do not have printers the required to go somewhere and print it and pay someone to print my statements to be mail they can you direct me to where to find it so what I 'm doing now is I would have to go print them and pay for it because American Express sir can not mail me or direct me to have a requested in my Internet website account I asked they said the only way I 'll be able to view it is through a desktop not a mobile not napped happen that table is the only way I can access my account information accurately I will be only able to do it is through a test my right XXXX because if I do not have a desk that I should be able to use a tablet by mobile device on my laptop which stay website tonight account is not capable of handling I would like to request a investigation of American Express or XXXX XXXX contact and management to be investigated in all indivisible charged according to United States federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chap XXXX bankruptcy discharged XXXX XXXX, ( home was included ). XXXX XXXX sells loan to Bayview. XXXX home mod attempted but not taken by home owner. XXXX XXXX foreclosure re-started, XXXX auction was cancelled. Not rescheduled. Neither Bayview or their lawyers will respond to emails about when or if the auction will be rescheduled. XXXX years after bankruptcy and XXXX years last mortgage payment still no resolution, although they continue to pay the taxes and house ins on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Phoenix Financial Services LLC
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My bill is covered by medicare and medicaid pheonix finacial has called me several times and beathed into the phone and hung up. When I called them back and they answed the phone they did not state the name of the business until I asked. I told them someone had been calling and hanging up on me. THEY TOLD me I had a bill from the physicians at the emrgency room that I refused to pay and I told them it was covered by medicare and medicaid I had given them the numbers and could again they hung up on me. They said they were sending it to collections over several weeks they called and hung up on me. I thought someone was harrassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After paying my XXXX federal tax liens and having them released, I obtained withdrawals of XXXX liens. I disputed the information with Experian and provided them copies of forms XXXX that prove the liens were withdrawn. Experian responded that the liens would remain and not be removed until the seven years expires. Attached is the email showing the results were ready ; the results showing the liens would remain ; and the Withdrawals of Federal Notice of Federal Tax Lien After Release forms ( XXXX ) that prove the liens should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: ERC
State: GA
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 was alerted by my credit monitoring that a collection account was placed on my XXXX XXXX credit report indicating I owed XXXX XXXX XXXX for XXXX. I have never had any type of service with XXXX XXXX XXXX. When I contacted the collection company, Enhanced Recovery Company ( ERC ), I was told that the address on the account was XXXX XXXX XXXX. I have never lived at that address. ERC never attempted to contact me in order to resolve this situation before it was unlawfully placed on my credit report. My address is XXXX XXXX XXXX XXXX Ga, XXXX. This has been my address since 2003. I attempted to explain this to ERC and the representative was rude and could not provide me any documentation to support their claim. I then contacted XXXX and they stated they had nothing on file with my social security number, and I did not owe them. I again contacted ERC to explain what XXXX XXXX XXXX told me, however once again they did not provide me any documentation to their claim. I asked to speak to ERC 's research department and they stated they would not contact me.This has come at a time when I am in the process of Refinancing my mortgage. ERC has violated my rights and will cost me financially by illegally reporting a collection account which they have fradulently reported to the credit company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
1. XXXX was paid in full in XXXX and was not a collection account as of the end of XXXX. It was a collection account in XXXX only. inaccurate reporting by Experian. 
2. XXXX XXXX - {$7400.00} was not the amount written off and account was settled and paid in XXXX XXXX, account was not a charge off in XXXX XXXX, it was already paid. 
3. XXXX XXXX - terms not identified, date of status is not XXXX XXXX, charge off was not {$3500.00} and past due {$3500.00}. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.

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 2016-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a dispute with Experian on an inaccuracy back in XXXX. I have yet to get a response and this dispute was with regard to a public record that is preventing me from getting a loan. I sent in proof that the account was taken care of. Actually the account was entered in error to start with. I need this taken off of my report so I can move forward

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 2017-04-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opene d a BMO Harris Money Market accou nt on  XXXX   XXXX ,  XXXX . I was to receive a bonus of {$200.00} for keeping {$10000.00} in the account for 90 days. This bonus was to be paid within 120 days of account opening. I met the bonus requirements. As of today,  XXXX   XXXX ,  XXXX  I have not received the bonus. The bonus was to be paid by  XXXX   XXXX ,  XXXX . I contacted the company via secure message on their website on  XXXX   XXXX ,  XXXX , inquiring about when I will receive my bonus. This was their response : " Please know that the marketing team reviews accounts after they have been open for 120 days. If you have fulfilled the new account bonus requirements, they will typically deposit the new account bonus withi n ten busine ss days. Due to the high demand for the new account bonus, the marketing team has been running  two to three weeks behind  schedule. If you can provide us with the new account bonus code utilized when you opened your account, we will be glad to escalate your account to the marketing team for review. I hope that this information is helpful and do apologize for any confusion or inconvenience. ''

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed a judgement that is listed on my account. Transunion has signed for receipt of my certified mail dispute on XXXX/XXXX/2016 and Transunion has violated the law by not placing a notice of dispute on my account within 30 days. ( besides not sending me any verification and results of investigation [ maybe its in the mail? ] ) this is a goodwill attempt to solve this issue out of court. If transunion does n't remove the judgement in time I will sue in smalls claims court closest to me. I will demand {$5000.00}

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 2016-05-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe both months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last one cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me one. I 'm trapped and they are going to steal my home. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: BB&T CORPORATION
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
This is pretty simple. Our daughter shared an E-Z Pass account with us, and paid us monthly for her usage. Easiest way to do this was for her to transfer the amount from her credit union account to our bank account, and we both set up our accounts to allow such transfers. ( As an aside, we also pay bills by transferring funds to the power company, the landlord, the phone company, etc., through the same bank checking account. ) What happened was that our daughter transferred {$100.00} to pay for her usage, but mistakenly switched the account numbers, so that instead of our account being CREDITED with {$100.00}, it was DEBITED by that amount! We check our account online regularly, and caught it this morning, and she and our bank have been advised to fix this. HOWEVER, our bank ( BB & T ) insists this is business as usual - once you set up XXXX accounts for funds transfers from XXXX to another, you have given the bank tacit permission to send transfers either way, with no additional approval or permission from you. In other words, if my daughter were malicious ( which she is not ) or in extremis, she could clean our checking account out and we would not even be advised by the bank that it had been done. As it was, we had to make a quick transfer from savings to cover a bill which was going to be paid today. This strikes me as being VERY insecure, and an abrogation of the banks obligation to keep our money safe. They can set up bill payment systems which will either automatically take money from our account monthly to pay our bills, or, if we do n't want that, which allow us to order the funds transferred ourselves for each bill. So why ca n't they safeguard the sort of arrangement we had, where each month a one-way transfer from her account to ours was made? Our bank insists that is not how it is done.

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 2016-11-17
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were in process of getting our Mortgage refinanced with Guarantee Rate, XXXX XXXX Everything looked good, our XXXX was good our credit scores are average of XXXX. We had a BK in XX/XX/XXXX where a XXXX Mortgage debt was charged off in XXXX. We settles with XXXX for {$20000.00} for them to remove the lien, however debt was at {$0.00}. XXXX just had the lien on but we did n't owe anything as the debt was already charged off. Guarantee Rate declined our loan stating that we short sold the property in XX/XX/XXXX. We did not short sale the property. We gave them {$20000.00} to remove the lien, but the debt was already charged off in XX/XX/XXXX. We got them a letter from XXXX stating this and they still declined us calling it a short sale. When we sold the house in XX/XX/XXXX, our XXXX was paid in full and since we settled with XXXX for them to remove the lien that was in XXXX position, at the time of the sale we did not have a XXXX mortgage. I am not sure how they are viewing this as a SHORT SALE. We argued our point, yet they still denied that. We are still being punished for a BK that happened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
It has been brought to my attention that my Banking institution, FifthThird Bank, allows my card information to be given out to entities that subscribe to this bank card information. This has been done without my knowledge. Also, I have asked the local bank manager some time ago to help me with some unaccounted for monies associated with my account. The manager informed me that there is a XXXX dollar an hour fee to assist me in this endeavor. I called the main customer service number about this fee. They informed me that there is no fee for this service. I was then instructed to go to another branch where I would not incur this fee. So the question remains. Where is the consistency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: Rushmore Service Center, LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Beginning XXXX, Rushmore Service Center LLC started harassing my workplace, my co-workers and my Supervisors. I work only a few days a month at my workplace and do not even live in XXXX XXXX SD. When the process server came to the business they showed the paperwork to our guards with personal information regarding me. They then refused to leave when told I could not come out or was not there. They followed and questioned co-workers about me and my schedule. Then a week ago they started harassing my Daughter at her apartment. They left a postcard in her door and today the taped a postcard to her apartment entry main lobby for everyone to see. Not in an envelope and had my name and her apartment # on it. I contacted the Atty General for South Dakota, XXXX XXXX and he instructed me to contact the FTC/complaint file/and to contact you. They are locating my children using XXXX and XXXX and they gather all of my children 's info, their spouse info/ssn # 's/phone # 's/neighbors # 's and cousin 's information including ssn # 's. 
They were told by my Attorney XXXX XXXX, XXXX SD, that they had to contact him and only him but they do not listen and now have released private information to my family, co-workers, guards at my work and Supervisor. I do not know what they want or are trying to collect. My spouse has XXXX and has medicare. I only work 2 days a week and travel to do that. It uses everything I make to keep coverage of health insurance at work. They were told 2 days ago by my Daughter that they have the wrong address and still posted a postcard with all of my information today in her entryway. At least XXXX people would have seen it today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation