BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-06
Company: Northeast Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The caller stated her name was XXXX with NRS ( XXXX ) stating that I owed a payday loan from 2015. When I tried to explain to her that this had been taken care of and that I had email confirmations to prove it, she continued to speak over me and says, " What kind of arrangement did you have set up!? '' I tried to tell her it was set up in two payments and then when I got louder due to her continued efforts of speaking over me - she asks why I was getting hostile. First off, she wanted me to give her my social which I did not, then she verified my bday - she proceeded to tell me that I owed {$490.00} to XXXX. Stated that {$100.00} was paid and that the remainder came back NSF from " your bank of XXXX ''. I 've NEVER banked with any such bank and she proceeded to scream at me telling me banks change names all the time and that I should know that. I told her I 've NEVER banked with a bank by that name and she continued to scream at me and says, " YOU THOUGHT you finished paying it off - but 90 % of consumers make the payments for the amounts they borrowed and THINK they are done, but they are far from done and do n't really know how much is actually owed ''. I told her I needed to find the emails and letter saying I paid it off and she asked how long that would take and I said I did n't know - 2 days? She says, " You have until XXXX. tomorrow to produce your proof as you call it '' to them or " further actions '' will be taken against me. When I tried to ask where to send - she continued to talk over me and then says, " well do you want to know where to send your supposed proof you have or not? '' I was getting really heated by this point because of the way she was speaking to me and then says that " 24 hrs is sufficient amount of time '' for me to provide my " so called proof of payment and the address is Correspondence - do you need me to spell that for you? '' She was being extremely condescending and I screamed back that I KNEW how to spell - and she says " XXXX ''. I then ask who 's attention and she says, " Correspondence - this call has been recorded you have until XXXX tomorrow. '' and then hung up on me. I IMMEDIATELY blocked this number from my home phone and started researching the number. There have been NUMEROUS complaints of this being a scam and of this same exact person/company calling others with threatening calls. She did n't even give me a chance to ask for a debt validation letter from her before she hung up on me. This is ridiculous and these people need to be stopped. They call threatening legal action or people showing up to my job etc. The scariest part is that they have my personal information!!!!!!!!!!!!!!!!! Yes, in 2015, I did have a loan - which was PAID BACK - and now 2 years later they are trying to collect? Give me a break ....

Company response to consumer: Untimely response
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have put in a request for a loan modification from Citibank. My original relationship manager always sent status updates on a weekly basis and if I needed to provide additional documents I was notified in writing. I was assigned a new relationship manager ( XXXX XXXX ) and I have tried repeatedly to get information on my account but to no avail When I call the bank to discuss my request I am told I have to speak only to XXXX. Phone meetings have been set up where she is supposed to call me but she never calls. Consequently it has been very difficult to find out the status of my application for a loan modification

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 2017-04-07
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from XXXX on a debt that they purchased that I had defaulted on. The man 's name was XXXX and he was threating to have me thrown in jail for e-signing a bad check to them, that if I did not give him my credit card information right now then they would contact the solicitors office in my county and have me put in jail for XXXX dollars a day until the debt was paid. I have never had any interaction with this company and they purchased the defaulted debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This sloppy collection agency retained by XXXX is attempting to collect a petty debt in the amount of {$5.00}. The attached scan copy clearly shows that this was PAID by XXXX in the amount of {$5.00} on XX/XX/XXXX, further, it will show an EOB for a office visit on XX/XX/XXXX, the claim was underpaid by XXXX for {$5.00}. The claim was reprocessed on XX/XX/XXXX for the additional {$5.00}. I notified this medical group NUMEROUS times, always, being reassured that it would be taken care of!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to recent financial difficulties our RE Taxes were added to our mortgage so now we have an escrow which increased our mortgage payment over {$1000.00}. We are finally in a position to refinance and were approved by XXXX for the HARP with PNC our current XXXX Mortgage holder. We also have a Home Equity with XXXX XXXX. We were all set to close but were waiting for XXXX XXXX to approve the subordinate when the bottom dropped out. We learned that in XX/XX/XXXX ; National City was our current XXXX Mortgage holder and we did a Refi I think to reduce the rate or get rid of the PMI I am not sure the details are foggy but it does n't matter. When they filed the paperwork for the refi ; National City did not file the subordinate so XXXX XXXX became XXXX Lien Holder and PNC is XXXX mortgage holder. Now, because of some paperwork error 8 years ago ; I can not ever refinance my loan because just like everyone else in Illinois ; my house value is lower than it was in XX/XX/XXXX and because of financial struggles my credit rating is lower. XXXX XXXX will not work with us or consider approving the subordination or do a loan position change. I am being punished because of somesones ' clerical mistake and I can not afford to keep paying my mortgage at the higher payment and my Home Equity is coming into repayment in XX/XX/XXXX and then that payment will double. Is there anyone that can help me? I do n't know what else to do and I do not want to file bankrupcy or go into foreclosure ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Over the past year I have witnessed multiple situations where PNC Bank took liberties to manage my transactions in a manner that gave them car-blanch to assess " Over Draft '' charges to my checking account. Up to this point I accepted the bank errors. That is going to change. 
On XXXX/XXXX/15 I reviewed my account to find that I received XXXX over draft charges of {$35.00} to the sum of {$70.00} in debits to my account. The charges made no sense to me. Per my online banking statement I had a close of business balance of {$38.00} as of XXXX/XXXX/15 and no new Posted transactions to my account for XXXX/XXXX/15. My ending balance on XXXX/XXXX/15 was {$400.00}. I had XXXX transactions post to my account on XXXX/XXXX/15. A deposit for {$74.00}. and XXXX debits totaling {$440.00}. I had XXXX items in Pending Transactions totaling {$140.00}. After speaking with PNC representatives the explanation to my over drafts are that PNC took liberties and applied XXXX transactions that are being held in my Pending transactions to my Posted transactions. I was told there is a difference between a Firm hold and a soft Hold. I was told that the online banking system is not as accurate as the banks accounting system. I was told that I was incorrect and that I must be wrong because I have had over drafts in the past and my past history dictates that I am wrong. Basic accounting principles prove that I am right along with basic math principles. After speaking with XXXX agents from PNC I am under the impression that PNC is without question breaking some sort of law in an attempt to force over draft charges onto its customers. Very similar to when they received a XXXX XXXX dollar judgement to pay back moneys they gathered through over draft charges. I have screen shots and documentation to support my claim. Not one PNC representative can justify or show a ledger that conflicts with my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: SERVICEMAC, LLC
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: Account information incorrect

Complaint:
I have tried several times to fix this issue with SERVICE MAC they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also XXXX XXXX when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my XXXX  for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a XXXX XXXX statement with the correct balance owed that should be reporting.

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 2017-03-30
Company: Omega RMS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was on an income based program and when my income changed due to being laid off at work, I filed the necessary paperwork with the lender. I received a letter stating I did not need to make another payment for one year. One month later, I received a bill and called to inquire. Customer service stated they would request an investigation and I would receive a letter in the mail. I never did and each month I would receive a bill and I would handle it the same as prior months. The third phone call, the customer service person stated he could see the two previous request for an investigation and that nothing was ever done with them.My request for a written explanation was ignored and ACS Education Services ruined my credit. They refuse to put any explanation in writing and how they can issue a letter that no payment is necessary for the next year and then send a bill is confusing. The initial bill was for XX/XX/XXXX ; which XX/XX/XXXX payment was made and on time. Once I submitted the letter from my bank and their own email confirmation of that payment, they said that was a mistake the bill was suppose to be for XX/XX/XXXX. This has been the pattern or they loose documentation that you file with them. They should provide a written explanation and admit they failed to notify me at the time of my submission of financial documents and work to resolve this issue. I spoke to a gentlemen at the US Dept. of Education who provided me with an email address to contact the department at ACS that completes the investigations. He said they should contact me within 7-10 days, that did not happen. I sent and email and although I received an automated response on XX/XX/XXXX, I have yet to receive anything else from ACS. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank closed out my checking account containing over {$70000.00} with no reason and no prior notification ( they said they reserve the right to conduct periodic reviews of customers accounts and close their accounts when they feel the banking relationship should end ). I need my money to pay bills and they have not given me my money. They are jerking me around. I spoke with a regional manager yesterday and he said they could not issue me a check at the bank and I would have to wait for it to be mailed. In the meantime, I have no money. Checks that I have written will surely bounce, automatic bill payments will not be made, and I have no cash for my daily life. Please help me. My family is dependent on my finances, which PNC irresponsibly cut me out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Mobiloans, LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I would like to make a complaint against Mobile loans. I have paid this company over {$3000.00}. I am being charged a fixed amou t of {$73.00} every two weeks. I have co tacted this company to request a deferment or a settlement. I am drowning with these online lenders requesting help. All.of my payments are being applied to i terest

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
resurgent capital services sent me only a summary of debt. I requested from them according to the FCRA section 609 the original documentation with my signature on it about the negative item which was reported on my credit report. They must delete this item by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX HAS INSTRUCTED A 3RD PARTY TO PUBLISH A DEBT THAT IS NOT LEGALLY OWED. This is a Violation of the FDCPA and contempt of Court of the Federal BK Discharge. That XXXX has instructed a 3rd Party to POST ONTO MY DOOR THAT I OWED MONEY OF {$650000.00} when I do not. They have caused to tarnish my reputation, Cause Slander to my Title and this is libelous. They had instructed an Auction Company named as Quality Loan Servicing to Publish this Debt as owed - They instructed XXXX as Attorney 's to Publish a Debt that they knew was no longer considered as owed given the discharge. Then on top of this - during a work out request had wrong figures from prior - during an open dispute acknowledged the dispute ; moved to set a Sale Date by Posting NEW FIGURES AS CLAIMED AS OWED. This is not true this is illegal collection practices. There is an open CFPB Complaint at this time on XXXX for having not credited principal payments made prior to this entire fiasco with XXXX. XXXX has an open dispute since XX/XX/2017 and however during this open dispute since prior to this date - XXXX went behind my back to file a Sale Date AND POST AND PUBLISH FIGURES THAT I DO NOT LEGALLY OWE AND WRONG FIGURES from priorly been claimed pre-bk. That this is tarnishing my reputation and against the FDCPA given that IF they are claiming a power of Sale then they can not make up numbers being owed that are not owed. They can not claim ANY Debt is owed and Can not continue to harm me in this false and illegal claim that violates the discharged figures. This is absolutely causing harm to my well being and has caused immense harm. The unfair business practices are non stop. XXXX failed to provide my mailing to the 3rd party so that this caused the posting to be published in a XXXX page separately posted to further cause embarrassment and ridicule. Posting a Sale and making False Claims. This caused the 3rd party to PUBLISH INTO THE XXXX NEWSPAPER THAT EXACTLY WHERE MY CLIENTS ARE LOCATED. THIS IS RUINING MY BUSINESS PROSPECTS AND FURTHER PUBLISHING A DEBT CLEARLY NOT OWED. 
This firm has been non stop burying me in paperwork. IN the meantime - The Debt being published claims I owe : {$650000.00} when I dont legally owe this. This is Illegal to publish this as a debt owed. These are slanderous and libelous acts to cause harassment. Their has been no good faith efforts by XXXX NOR XXXX. This has been extensively cruel, abusive and illegal. The facts remain that this shoddy servicing has only caused harm to my property, my property rights, interfered with income and reputation on every scale. During an open review they posted and published this and have continued to act in deceptive ways to cause me harm to my well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS
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 a resident at The XXXX on XXXX XXXX XXXX in XXXX, XXXX XXXX from XXXX XXXX to XXXX XXXX. All rents were paid on time. I submitted my intent to vacate by certified USPS letter and my apartment was surrendered back to the care of management in the same shape it was when I commenced my tenancy. Despite this, management reported an {$86.00} debt to all credit bureaus. The XXXX XXXX management has thus far failed to produce any evidence supporting their claim. I sought the help of the MS Attorney General Office to resolve this, although The XXXX agreed to remove debt from credit report they have yet to do so. The MS Attorney General Office has advised me they can not assist further with this.

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 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
During a recent application for pre-approval of a potential loan, I was made aware of the " high balances '' reported in my credit report by all three agencies. Investigating the source led to the conclusion that Capital One was reporting incorrect " high balances '' on my two credit card accounts with them, and negatively effecting my credit score to some extent. As evidenced by the attached credit report and credit summaries, I have never had the " high balances '' stated for the particular time period of XX/XX/XXXX to XX/XX/XXXX. The credit report has the actual monthly balances reported by Capital One and their report of the '' high balance '' for that period. Their reported " high balance '' statements do not match their own reported monthly values. I submitted a formal complaint to Capital One due to what I perceive as an individual or potentially systemic error in their reporting of high balances. The Capital One complaint and their brief reply have been attached. They report a high balance of {$14000.00} when the actual high was {$5000.00} for my XXXX limit card. For my XXXX limit card, they report a high balance of {$4200.00} verses an actual of {$2900.00}. The card balances are paid in full each month. 
If these numbers are correct as they have replied, please state the month in which they occurred! How are their reported high balances computed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Equifax to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Equifax and the ignored it.

Company response to consumer: Closed with non-monetary relief