BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX ( XXXX ) " transferred '' our loan to Specialized Loan Servicing ( SLS ) XX/XX/XXXX. First, they did n't give us any notification and our only indication the loan had been transferred was when an invoice did n't arrive from XXXX. Second, there was a substantial lag in the transfer of our information to SLS and we were unable to remit payment until XXXX 2016 ( at which point we paid for both XX/XX/XXXX and XX/XX/XXXX, bringing our account up to date ). Further, when the information transferred, confirmation of our condo insurance did not transfer and SLS initiated proceedings to provide insurance, despite repeated contact from myself and my insurance agent. On XXXX XXXX, 2016, we received a packet dated XXXX XXXX, 2016, with loan modification paperwork and information on how to avoid foreclosure. When I contacted SLS customer service, they were unable to confirm whether they were merely servicing or whether they had purchased the loan and while they confirmed that our accounts were up to date and they had received our insurance information, they were unable to provide contact information for filing a complaint or reference numbers for the call or any notations made to that effect in our account file. I expressed my concern that they were deliberately misrepresenting the state of our account in an attempt to get us to change the terms of our loan and they threatened to discontinue the call if I continued to " go down that road. ''

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 2016-03-31
Company: Moneyguard LLC
State: MO
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I have obtained a loan from Turbo Cash but they have hit my bank account at XXXX, XXXX Missouri without my permission when I instructed them that the account was compromised and closed. Now they have caused me harm and they have now turned me over to the local Prosecuting Attorney for fees that I didnt authorize. Plus they are unwilling too work with me as I did fall delinquent. This complaint will also be submitted to the FTC as well as the states Attorney General and private counsel.

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 2021-06-29
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted M & T bank about two of my mortgage payments on XX/XX/20 and XX/XX/20 that they are reporting as late. Because we were affected by the COVID-19 those two months should not have been reported late. When I spoke to M & T they refused to fix their error because it was already reported. I sent a good will letter to the president of the bank asking to remove them. He never responded back.

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 2021-06-29
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was denied employment based on a report that First Advantage pulled. I called them to ask why and was provided a letter showing my credit report. There was nothing on the report that explained what the issue was. I contacted First Advantage back and the representative said my credit report or background check was not the cause and there was and issue with my fingerprint check. I was told someone would call me back in 48 hours. I have contacted this company 3 more times and still have not heard back. They keep telling me that someone from the fingerprint team has to speak with me but they cant transfer me to them. I work for a financial institution and have been employed for 5 years. I had to pass all these tests for my current employer. I do not understand how there is an issue with my report they pulled. I lost out on a great opportunity based on the report they pulled and havent even found out what the issues was. I need to know if there is an error so I can get this resolved. This process has been going on for over a month with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was already reported and included in a XXXX (? ) lawsuit by this company when it was using a different name. The debt was various medical bills and was put on my credit report in XXXX XXXX (? ) As such they are reporting the debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Please be advised for many years now I have been disputing XXXX and it keeps coming back verified! My issue is I want to know the first time I was ever delinquent to XXXX meaning the first time my bill was not paid on time which will be the first time delinquent. It is not reporting as it should because they are reporting this as a retail installment and should abide by the rules of the FCRA and report the time I was first late! If they did this it would be past 7 years and this would no longer be on my report!!! It would be way past the 7 year mark yet they are making this sound so recent!!!!! 


Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term -- Monthly Payment {$530.00} Responsibility Individual Account. 
Balance {$530.00} Highest Balance {$530.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due {$530.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks Collection account Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F M A M J J A XXXX O XXXX D XXXX Unknown CO Collection/Charge-Off XXXX XXXX Days Late

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing Group purchased our 2nd mortgage effective XXXX/XXXX/XXXX. SLS changed the original loan contract from a " INTEREST ONLY OPTION '' to a " INTEREST AND PRINCIPLE '' product without our consent effective XXXX/XXXX/XXXX which we highly disagreed with. Although we continued to make our normal and usual monthly electronic payments, SLS has contended we were in arrears of {$1400.00} as of XXXX/XXXX/XXXX although they never identified what thy wanted the payment amount change to without our consent. SLS has further refused to accept our electronic payments in the original amounts for the months of XXXX XXXX XXXX of this year.

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 2021-12-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have filed several complaints regarding various issues related to the same accounts with subacconts. The CFPB complaint numbers are : XXXX, XXXX, XXXX, XXXX. The last XXXX entries were closed out with Equifax stating an " investigation was conducted and results were delivered. '' However, for at least XXXX subaccount, a copy of my credit report current as of XXXX XX/XX/2021, indicated no new information was updated since XXXX XX/XX/2021, a date BEFORE at least XXXX of the aforementioned complaints was filed. 

What is clear is that Equifax may be responding to the CFPB as " in-progress, '' but then making no attempt to reconcile the errors on a credit report that even contracdict other information for the sae account/tradeline. For example, Equifax claims a date of first deliquency for XXXX of XX/XX/2021, but the payment history clearly indicates " no data available, '' and the data furnisher has made clear, in a letter dated XXXX XX/XX/2021, the account was in deferment at that time. The corresponding date the deliquency was first reported has been re-aged to a date in XXXX of 2021, over XXXX ( XXXX ) year AFTER the alleged date of first deliquency. More egregious is a payment history status for XXXX showing XXXX XXXX but an amount is listed showing there was no amount actually charged-off. 

It is very clear that the data furnisher can not keep accurate, verifiable records. As such I have asked that Equifax remove the accounts/tradelines with the erroneous data. What Equifax has done instead is to manipulate the dataset they receive to try and make the to reconcile the unverifiable information -- that exercise has failed. 

The accounts/tradelines correspondig to the data furnisher for XXXX and XXXX, being wholly inconsistent and contradictory for the same temporal periods, needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Verification of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This letter is sent in response to letter I received on XX/XX/2021. I am requesting that you provide verification of this debt. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt. 
2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2011 I was XXXX out to XXXX XXXX. Having XXXX at the time, I called and told them that they needed to cancel my service as I would no longer be needing it as I had XXXX. 

It appears they did not take this into consideration, as I now have this collection reporting on my account. I feel this is wrong, as I had given prior notice of the event - and under military orders, was allowed to get out of the contract. 

Attached are the orders given to me for scrutiny. I wish for the complete removal of the account from all bureaus reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX while on the phone with Bank of America customer service I was offered a bonus if I downgraded my Bank of America Alaska credit card rather then close it. I was told that if I downgraded to a Cash Reward visa card and spent {$1500.00} within the first 90 days from the account opening that I would receive a {$100.00} bonus. 90 days from XX/XX/XXXX would be exactly XX/XX/XXXX by a simple count of the calendar days. 

On XX/XX/XXXX a post to my account of {$120.00} from XXXX XXXX put me well over the required amount of {$1500.00}. At this point the bonus requirements were made and should have triggered the bonus to be paid out. It was not. On XX/XX/XXXX I spoke with a customer service representative over the phone who told me that the bonus had been met and would post 8-12 weeks after it was met. This should have been no later then some point in XXXX. 

After the bonus still was not posted I called again on XXXX XXXX and spoke to customer service agents on the phone. This time they refused to acknowledge that the bonus had or had not been met but instead referred it to review. On XX/XX/XXXX I received a letter in the mail from Bank of America stating that I did not meet the {$1500.00} in purchase requirements within 90 days in order to qualify to earn the statement credit of {$100.00}. No specific information was given. 

The information gathered by B of A was inaccurate. I called customer service on XX/XX/XXXX to verify that the downgrade took place on XX/XX/XXXX. I checked on line to confirm that the {$1500.00} in purchases was made on XX/XX/XXXX. B of A owes me a {$100.00} statement credit. All of the above information can be verified by simply listening to the recordings of the calls that were made.

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 2016-09-07
Company: ATG Credit, 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:
Attempting to collect an expired debt from 2008. Atg credit is repeatedly calling me and harassing me. This is an expired debt. They also refuse to remove it from my XXXX credit report. The original creditor was career education corporation. I paid this debt in full when I was attending school. Years later they tried to say I did not pay XXXX dollars I did actually pay. This is fraudulent, as well as being expired debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Franklin Collection Service, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt firm purchased medical debt for pennies on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every penny from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the last four ( 4 ) years, I have been charged late fees of {$40.00} each when I make my credit card payments to Chase Bank, even though I'm not late ; in fact I'm always early. 

This has been going on for at least 4 years, and I've brought it to the attention of Chase as late as last week, again. 

I pay all of my monthly bills through my online bill pay with XXXX XXXXXXXX XXXX  and the funds comes out of my checking out. 

To ensure that none of my bill payments are in fact late, I make all payments through the aforementioned account at the same time. 

My payment with Chase Bank is not due until the XXXX of each month, however, since I pay all of my bills at the same time at the first of each month, I do the same with this Chase payment so that I will not be late. 

Sometimes, the payment will go out at the end of the month for the following month to ensure that the payments are not received late. 

I'm never late, but early, and Chase Bank charges me a late fee each month in the amount of {$40.00}. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Per FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Complaint Equifax has reinserted the following Accounts and Tradelines onto my credit file without the proper notification. 
XXXX County Case # XXXX, XXXX County Case # XXXX, XXXX XXXX Account # XXXX, XXXX # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX US Bankruptcy Case # XXXX, US Bankruptcy Case # XXXX, XXXX XXXX XXXX Account # XXXX I spoke with a female representative on XXXX XXXX, 2016 at approximately XXXX for over XXXX minutes, at which time I was transferred to the Special Handling department. I advised the representative that many accounts had been removed or deleted from my file to which she said that they were re verified, I proceeded to ask her how that took place and she replied that the tax liens were verified through the courts. I asked her who they speak with and she just repeated " the courts '' I asked for the number and I called the courts directly and spoke to an court clerk and she advised there was no way to prove that someone Equifax had called to verify my alleged accounts. I have spoken to both XXXX County NC Clerk of Court and US Federal Bankruptcy Courts and they both advised there is no record keeping system or verification pertaining to credit investigations from Credit Bureaus. I have yet to receive a definitive answer from either court. So I question the validity and verification process from Equifax. 
I was never given the proper notice on the aforementioned accounts there for my Equifax has denied my right for due process afforded to me under the law. I am demanding that Equifax remove these accounts and tradlelines from my credit file. These injurious actions have lowered my credit scores and there by jeopardizing my ability to secure a mortgage or loan with beneficial interest rates and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the permanent deletion of the accounts listed IMMEDIATELY.

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 2021-12-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04
Company: ALTERRA GROUP, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear XXXX : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full Venta Financial Group , Inc. - accounting, letter of transfer XXXX XXXX XXXX XXXX - accounting XXXX - accounting

Company response to consumer: Closed with explanation