BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a large job camcelled last fall. No money, but I got some Smaller jobs to help pay other bills. We applied for a HAMP modification about XXXX months ago. And the requests for the additional documents never stopped. " Oh, those XXXX are 90 days old now, you have to resubmit ''. Etc. each and every time they ( SPS ) was reviewing my file, they told me " this may be referred to an atty for legal action. I finally said, " are you allowed to say that while we are in the Federal HAMP program ''?. " Everything we do is in accordamce with the law I was told last week. I resubmitted my wife 's XXXX last week. I call back today for an update ( i called a day after I sent the XXXX to make sure they got them, amd they did ) and the woman tells me " your loan has been recerred to an atty for foreclosure. But no date has been set. 
And then she adds " it may take up to 30 days to review the HAMP application ''?! 
Is n't this called dual tracking? Formerly called parallel foreclosure? 
XXXX. 
I have spent the last 3 months linkng up work to get a large chunk of the arrearages paid down, ( XXXX-XXXX out of {$18000.00} ) and am working 6 & 7 days per week. And now they pull this? I thought the various " settlememts '' among the state AGs were to put an emd to this. I will have to speak w an atty about filing a complaint for mental duress. Or similar. Please see what you can do. 
Sincerely, 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 2016-05-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016, I received a letter of denial from XXXX XXXX, OH, credit card application department ( REF : XXXX ) and the reason was due to " unable to verify identity information '' The application was made on XXXX XXXX, 2016, online. I never applied for this credit card. 

Thank you. XXXX 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 2015-11-27
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been sent to collections over a XXXX XXXX XXXX debt with a doctors group. I called and explained to them at least three times this was not my debt, I left the adjusters name and contact information and still they went forward. 

This was the responsibility of the treating Hospital to assure proper billing and the doctors group to assure whether this was a personal or insurance related debt. 

I am in the midst of repairing my credit in preparation for buying a house, this little {$100.00} dollar debt dropped my score by several points! This is wrong and I want it made right immediately or I will hire an attorney and sue for damages! Much more than the {$100.00} I assure it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
It 's funny how two years in a row, when I try to retrieve my free annual report via the annualcreditreport.com site, the most consistent bad actors are XXXX and Experian. I have run into issues that ultimately prevent me from retrieving my free report. This year, I tried and received a blank page from Experian and a " Technical Difficulties '' page from XXXX. However, XXXX was able to show me my information just fine. This seems like a catch all, because when I attempt to get my report from Experian or XXXX via paid means, everything works just fine.

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 2016-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
COMPLAINT TO CONSUMER This complain is against PORTFOLIO SERVICING due refusal to disclosed information regarding the supposed Investors of the fraudulent Mortgage Account # XXXX, Property : XXXX Fl XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX, UT XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX Fl XXXX NOTICE TO DISCLOSE INVESTORS INFORMATION The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release Name and Headquarter Address of the supposed Investor of the Mortgage Acc # XXXX. 
2. Release XXXX BANK, XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX. to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX and XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl 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 2015-05-05
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Commonwealth Financial Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

Furthermore, this debt has already been disputed and removed from my credit report multiple times, under the name of different debt collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and XXXX are incorrectly reporting on my credit report. I have contacted the credit reporting agency and spoken with someone to fix this error. Remove these multiple reports immediately. In addition, I contacted XXXX directly and spoken with XXXX who says that XXXX has ceased reporting on my account since XXXX 2013 and that it should not be there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
MEDICAL COLLECTION- {$470.00} WAS PAID IN CASH XX/XX/XXXX. TRANSUNION SAID THEY WOULD REMOVE VIA A PHONE CONVERSAGTION XX/XX/XXXX AND IT HAS YET TO BE REMOVED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
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 do n't believe that I am responsible for a debt that is showing on my credit report. This debt if from XXXX XXXX Apartments I believe they illegally sending information to the collection company I. Q. Data International , Inc as to the amount that I owe in connection with an apartment my daughter lived in to where I cosigned for credit so she could get the apt as she recently moved from XXXX to XXXX. My daughter moved into the apartment on XXXX/XXXX/XXXX and was evicted from this apt complex on XXXX/XXXX/XXXX due to failure to comply with lease agreement. My daughter did go to court proceedings in XXXX and was evicted from the apartment on XXXX/XXXX/XXXX. My daughter did inform there was a attorney bill that she would be resonsible for but they never billed her for. The first notice that I ever received regarding this issue was from I.Q. Data International , Inc. informing that this issue went straight to collections without prior notification to me or my daughter so that we could attempt to resolve any debt or issue. We have never received any billing as to the break down for the charges they are informing I owe as the principal due. I never received a bill period from XXXX XXXX XXXX as to why I owe them this amount. I found out it was on my credit report as I am seeking a new job since I was displaced and was rejected for being hired by several prospective employers due to this collection on my report. I was informed my first step was to send a request to XXXX to remove the debt as well as to I.Q. Data International, Inc for validation of the debt. Today I received a letter from I. Q. Data International, Inc with the cosigner agreement letter and security deposit refund accounting form written up by the manager/owner of XXXX XXXX Apartments from I. Q. Data International , Inc. this is a freeform document where he has written in amounts for termination fee eviction fee repair costs totaling {$3600.00}. No proof of incurred charges was received at all. I am requesting that the item be removed from my credit report due to myself and my daughter never being properly billed prior to being put on my credit report, lack of validation of debt, and lack of clear invoices/ receipts showing legality to the amount owed. I 've attached the letters that I sent priority mail to XXXX as well as IQ Data, Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CAVALRY INVESTMENTS, LLC
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:
My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Their over draft fees when I deposit my checks money is In my account pnc charges XXXX $ over draft fees and XXXX $ a day thes over draft fees r killing people specialy the XXXX or the XXXX. This is a shame something needs to be done this can go on we r on a fixed in come thes fee need to be aballished. We have bills to pay food to by and R meds please we need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received the following email and I never took any type of a cash advance from any company. 
XXXX XXXX!!!!!!!!! EMAIL!!!!!!!!!!!! 
Customer Id XXXX XXXX XXXX <XXXX> XX/XX/2021, XXXX XXXX  ( 10 hours ago ) Case File # : XXXX - XXXX Loan Information Past Due Amount - {$980.00} One Time Settlement- {$320.00} Creditor Ace Cash Services DearXXXX XXXX XXXX XXXX Department of Ace Cash Services has decided to mark this case as a flat refusal and press legal charges against you.

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is placed on hold by the United States, so before something goes wrong, we would like to notify you about this matter. 

Consider this as a final warning. And we are Emailing/ Fax this issue to your current leader to create positive results and take strict action against you. 

We will be forced to proceed Legal Action against you and once it's processed the somebody has entire rights to tell your leader and your references concerning this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you are taking care of this out of court then we are going to unharness the clearance certificate from the court and that we can check that nobody will contact you in future. 

Do revert back if you would like to eliminate these legal consequences and build a payment arrangement nowadays instead, we'd be continuing legally against you. And this is often to send word you that this notification also will be sent to your current leader. The opportunity to require care of this volunteer is quickly returning to associate finish. We would hate for you to lose the choice of breaking this before it goes to a consequent step that could be a suit against you, however to try to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru between working hours XXXX XXXX  to XXXX XXXX ( EST ) Department of Law & Enforcement ( Ace Cash Services ) Copyright 2021 Ace Cash Services| Privacy | Terms of use Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: PNC Bank N.A.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a checking and savings account with PNC for around 4 years. I also had a revolving credit card ( card where you put down money as collateral, in my case {$300.00} ) While at PNC I experienced having to pay to take my money out of my savings account, unforgiving overdraft fees, and all together lousy service. I was stuck with them though because they were the most convenient option given where I lived. 

On to my complaint. When I moved across town, I switched banks and went to close out my accounts. Checking and savings were closed just fine. To close my credit card account, I had to pay the full balance of the card which was {$380.00} minus the {$300.00} that I had put down on the account. I was dealing with a banker, not a teller. I handed over the {$85.00}, and was not given a receipt, but I was told it would all be taken care of. 

Fast forward 4 months and I get a call from a COLLECTION AGENT of PNC asking me to pay the balance on the card of {$150.00} dollars. She also informed me that my account had been closed. I went into the branch that I had gone in to close my account and see the same banker I had dealt with. She remembers me and after I explain what happened, she calls customer service and files a complaint. I get a call 2 days later from consumer complaints and I am told that my agent will investigate the records from the branch in Ohio that I dealt with for the {$85.00} that I had paid when my account was closed. A couple days later I get a call. She did n't find anything supporting my claim, and that I have to pay the balance in full. 

( The date of account closing and final balance on card are approximated, after many phone calls, and records showing different amounts. This is because I NEVER RECIEVED A RECIEPT ) What does n't make sense to me is why in the world would I close all of my accounts and ask for my revolving credit card to be cleared of all charges except the {$85.00}? What kind of XXXX would allow me to do that? Why would they refund my {$300.00} dollars and keep the account open, without any collateral? 

I have been very patient. I put up with a lot of ABUSE and have paid EXORBITANT FEES in my time with PNC. To me this is just another in a long string of UNFAIR COLLECTION PRACTICES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Traded in my BMW and we were given a 10 day payoff good through XXXX. Check was received by BMW on XXXX but they refuse to close my account and charging way more per diem after the already received the check on XXXX they wo n't even apply the check. This is clearly inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank Collection department calls me at work and at home before the grace period is over. I have a 15 day grace period and I usually pay on the XXXX. Sometimes they call me even after I paid. I have never been late in my mortgage payment. My mortgage is new. However, I had an equity line of credit with them starting in 2007 that I paid without ever being late. This has never happened to me before on my prior mortgages with other banks. No other bank would use their collection department to reach a customer when the grace period is not over yet. When I contacted them and asked them to stop this they sent me a convoluted letter which did not answer my question and they kept calling after that. I want them to stop harassing their customers when they are not late and honor the grace period. What kind of a bank wants this type of relationship with its customers? I have an excellent credit rating and have absolutely NO late payment record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Reference : CFPB Case No : XXXXLong story. Still find it WRONG! For a Bank to lie about needing a bailout, use that money to buy my bank and mortgage and refuse to help when asked and continue to act in a way that forced all the new regulations/California Laws that are supposed to prevent this. 
**HEY FEDS! I am in need of a bailout FOR REAL!!!! I will be HOMELESS very soon! And I am NOT lying!!! XXXX. After all the misconduct and run around and PNC now trying to run out the clock I have sent an official RESPA QWR to see what other inappropriate behavior might be happening. The latest it appears as I was told by an attorney the Due Diligence dated more than a year before NOD filing should VOID the NOD and foreclosure. But PNC will apparently proceed and force me to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, I could n't update my original Complaint which is Case number : XXXX. In the response it stated that PNC wanted more time to review. Well, it has just been brought to my knowledge that PNC moved to try and foreclose on my unit after I filed my Complaint against them with you. 
I have never been late with or missed a mortgage payment. I have all of my receipts. I also have the letter from the condo board attorney, whom they paid without my permission or knowledge of alleged unpaid condo fees, that they had " discovered '' an error in their accounting and had in fact overcharged me but could only go back 3 years in reimbursement even though I was due 6 years of reimbursements. A couple months prior, PNC paid the for all 6 years of which I did n't owe. I have attached the attorney letter. My Unit is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Financial Recovery Services, Inc.
State: GA
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 paid XXXX XXXX back onXX/XX/XXXX16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal

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