BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-18
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi, I was checking my XXXX credit report tonight and noticed a collection account as shown as follows : MIDWEST RECOVERY SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015. 

Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe XXXX, nor have i ever taken out a payday loan with XXXX due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at XXXX was months ago for like around XXXX dollars, I have a great record with that company XXXX in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other U.S. Citizen/Nationals. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: COMMERCE BANK
State: OK
Product: Credit card
Issue: Late fee

Complaint:
On XX/XX/XXXX, I made two separate payments of {$30.00} and {$340.00}. I received a message in my credit card account inbox indicating receipt of both payments. As of the due date ( XX/XX/XXXX ), the payments had still not been completed. On XX/XX/XXXX, I was charged a late payment fee of {$27.00}, and on XX/XX/XXXX, I was charged interest of {$15.00} on the statement balance. I realized this when I checked my statement on XX/XX/XXXX, and sent a secure message stating that I had made the payments, but the credit card issuer had failed to complete them. I did n't receive a response until XXXX ( 14 days later ), which said my complaint had been forwarded to the appropriate department. I have another payment due on XX/XX/XXXX, and I am worried about this affecting my credit since the payments that I 'm making are n't going through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender claims that we are not carrying hazard insurance to cover our home. We have provided them with proof of insurance multiple times and have made multiple attempts to resolve this issue. Our insurance agent has attempted to resolve the issue as well. at this point they have refused to accept our policy and are charging us for a hazard policy provided by them at approximately XXXX times the cost of our existing policy. This issue has been dragging out for over three months. Every time that we contact this company, they tell us that it will be reviewed but nothing gets resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: Capital Markets Cooporative, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage service company has been doing my annual escrow analysis incorrectly for the past two years ( XX/XX/XXXX and XX/XX/XXXX ). They do the analysis in XX/XX/XXXX, a month before my county and city taxes are posted on my county 's website. As a result, their numbers ( and dates ) are incorrect, leading to incorrect shortages, which translate to higher monthly payments. XX/XX/XXXX, it took several months to resolve this. It is now happening again XX/XX/XXXX. I received my escrow analysis dated XX/XX/XXXX and have been trying to resolve for over two months now, and it is still not correct. I have provided copies of both my county and city taxes with correct amounts and due dates, and I have still not received a printed revised escrow analysis to prove that they have made the changes and correctly recomputed my escrow payments. As a result, the incorrect monthly amount was due XX/XX/XXXX ( today is XX/XX/XXXX ), and I was forced to make a payment to avoid late charges although the issue has not been resolved. For the past month, I have been working exclusively with XXXX XXXX, a customer service rep, who is trying to help resolve this. He informed me ( for the first time ), that I could also request that the shortage be spread over 24 months instead of 12, so I submitted a request to have that done as part of the escrow re-analysis. I am still waiting for both of these changes to be incorporated into a revised escrow analysis, in writing, that proves they are using the correct tax amounts and the correct due dates. This is the most challenging mortgage servicing company I have ever dealt with ( I have owned XXXX properties serviced by multiple companies in the past 20 years ), and I do n't have time to go through this every year as I have for these past two years. Please help!

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: National Credit Adjusters, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They claim to be National Credit Adjusters-Seeking money I borrowed from XXXX XXXX XXXX over a year ago. It was for around {$500.00}. The man named XXXX was very rude, telling me to go take a loan from a bank, asking me where I bank, if I care about my credit and kept asking many rude questions. I kept my cool and told him I would deal with Ace themselves. He continued to be very rude and degrading. I was willing to work out a payment plan but he kept insisting I go to a bank which I am not going to take out another loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: National Home Buyer’s Alliance
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I signed up for this home buying program called NHBA= National Home buyers alliance. They present their program as if, they can get you approved to buy a home becasue they own their own bank. I was never told that I would have to go thur a more natural process in purchasing the home. One thing was XXXX said I would have to make sure that I pay all my bills on time without being late. I aim for that, each month. But my question was what if something happens and I have an emergency with my family and I am 30 days late. XXXX said " you would have to have 12 months of no late payments. I asked for my money back that I had paid into the program. She said there were no refunds and becasue I sign some forms stating I fully understood than, I could NOT have my money back. My issue is I did not read that I had to have 12 months of full on time payments before I could perceed. At this time, I asked them to freeze my account. It seems like a lot of money to pay just to get qualified for home purchase. Once I do what is asked of the program. NHBA has another hoop and more money asking from me. I see this as a predator leading from NHBA, it seems like they prey on citizens that are middle class and want better. If I would have know the fine details of this program, I would have never signed up for it. I wish to have my full refund of $ {$880.00} returned to me. And what kind of company can not furnish a receipt. I want receipts has well for what I have paid in to this program. If you do n't have a receipt than it 's not business. At this time, I demand a receipt and a refund. 
Thank you XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Our choir has had a checking account with the same bank for many years. The account was always set up to not charge us fees. We only keep a small amount of money in the account and there is very little activity on the account. Sometime last year the bank ( PNC XXXX did a large change and began charging a service charge on business account. Our account was only set up as a business account so that we could receive free checking. That was the arrangement made by the bank manager. We received no letter regarding this change. I have been told that PNC just included the information on the statement when they made the change. I do n't think this was proper notification for a change as significant as this. Our account has very little activity and the statements went to our president rather than the treasurer. We did not see the change on the statement. We would have asked for the account to be closed if we had known about the service charge. A {$14.00} service charge makes no sense for our account. I have been trying to work with PNC to ask them to reverse the charges since we are not a business and since our agreement with the bank has always been to not charge us a service charge. I keep getting transferred to other departments and when I do get a call and I call the individual back and leave a message they do n't call me back. The bank has always worked with us to offer a free checking account. I realize that the bank has changed ownership, but I feel that the agreement should be upheld. They made a XXXX change without taking into account our situation. I can even understand the mistake, but I feel that the bank should correct the situation. As taxpayers we have helped bail the banks out when they got in trouble. I think it is wrong for them to take advantage of us in this way. I am requesting that the bank reverse the service charges and notify the collection agency that this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am at the end of my loan where my payoff is less than 1/2 of a normal monthly payment. But the mortgage company will not take any payment except wire transfers, cashiers check, or title checks. If I do not make my payment by the late fee date, they are threatening to charge me an excessive late fee ( 15 % of my payoff amount ) while refusing to accept any normal payment method ( ACH/Pay-by-phone, mailed check ) even though they are already holding more funds in my escrow account then the full payment on the loan. This forced me to go to my bank and pay wire fees to avoid the excessive late fees. Also, upon payoff, the bank charged me recording fees and a release fee. These unavoidable fees plus the cost of obtaining secure payment for the final payment are not disclosed anywhere in my contract. Since they are unavoidable costs of the loan, they should have been included in the cost of the loan and APR calculation in conformity with the Truth-in-Lending Act ( TILA ). Plus, forcing the consumer to wire funds that are for a minimal amount and charging a late fee in excess of what is specified in the contract are unfair and abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns collection efforts and the communication tactics are ridiculous and disturbing while at work. I have previously complained regarding the amount of calls received on day and their response is are not able to remove the automated calls that go out. 

Conns calls me on my company cell phone at least XXXX times a day. Sometimes the calls are back to back within XXXX time frame even after leaving messages on cell phone. I have told them I am getting calls while at work and its interfering with work. I understand they are trying to collect and it is my responsibility to pay which we do pay even if late but the collections tactics on repeated calls is bad. Our car loan lien holder never makes these amount of calls on a day on a way much more higher loan amount then what we have with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am unfortunately behind on a creditor bill due to being out of work on exteneed medical leave. I have contacted the creditor a couple of times previously to explain my situation. I do not have a source of income at this time. The creditor has been calling my husband 's mobile phone aND today i have been informed they have called my mother 's work multiple times today. How they received my husband 's cell phone or my mother 's work number is beyond me. And they have no business harassing these XXXX individuals, especially at places of employment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicer sent insurance payments from my escrow account to XXXX different insurers. Prior to my insurance policy expiring, I called the servicer to inform them of a new carrier. The old carrier and the new carrier submitted an invoice to the servicer. The servicer paid both bills and refuses to contact the original insurer to get my funds back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i got letter from XXXX that my information get exposed and to avoid identity theft they offer 1 year in Equifax silver membership for free at the same week i tried to apply for mortgage and get refused i ask why they told Equifax score XXXX and i have unpaid medical bill for XXXX $ this amount for XXXX they will take from the my lawyer after the faulty guy pay and no body contacted me that i have to pay it now they so i try to dispute my report they block my identity they said for me rong info and i have to send passport driver licence social security as fax i faxed from my layer office they did n't answer i call back they told me i have to make membership so i give them the activation code provided from XXXX they said it is not working and i have to pay for a full membership to see what is going on and be able to solve it i paid they unblock me and give me XXXX is my credit score at them XXXX XXXX at the XXXX other bureau so i ask why my bank say that my score at equifax XXXX the agent answer how if you see your score is XXXX in front of you and all the info was yes mine so i believed equifax this was XXXX/XXXX/2016 till XXXX/XXXX/2016 i went to buy a car and i decided to buy it with loan so they run my credit and my wife credit after hardly 1 hour only XXXX accepted to lend me because Equifax credit score is XXXX with high rate because i have this law score and XXXX uncollected medical payment in Equifax only the XXXX other bureau my credit is good i call them again they said that my score is went down to XXXX from XXXX because of the car loan in XXXX/XXXX/2016 i said that they give the lender XXXX as my score they said no impossible i said i have the paper from my lender show XXXX your score and the XXXX other are normal they make from other planet that i have to keep my membership running to watch my score blablabla that i have to pay again every month and no silver membership or activation code accepted it is XXXX and miss use of my info to fraud the american consumers and all the phone calls are answered in other country how our info is exposed in other country call centers it is a social security and all the USA vital info in the hand of other country and even not government just a call centers XXXX how???? the same country we get every year a fraud and the law enforcement ca n't do any thing for this gangs because they are out of rich so please stop give this equifax and any similar company dealing with vital info on foreigner soils. and I'am sure I'am not the only or XXXX of few cases it is XXXX they are complaining and XXXX impacted from the Equifax please for the security of our nation investigate this company seriously and escalated before the no tern back time thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Upon pulling my annual credit reports on XXXX XXXX, 2016 I became aware of a collection account that I had no knowledge of. It was a medical bill from XXXX XXXX XXXX, account # XXXX, stating that the original creditor is XXXX. 

I have lived in XXXX XXXX XXXX all my life and do n't ever recall going to XXXX XXXX for XXXX XXXX. 

This collection was reporting with all three credit reporting agencies. I did an initial dispute on XXXX XXXX, 2016 with all three credit bureaus. Within twenty days XXXX and XXXX both deleted this collection but for some reason with Experian it came back verified. 

So on XXXX/XXXX/16, I sent XXXX a debt validation letter ( see attached ) Priority mail # XXXX ( see attached ). 

And on XXXX/XXXX/16 I wrote a follow up letter to Experian ( see attached ) priority mail # XXXX ( see attached ), and as of today I still have n't received any information showing how could I possibly owe this debt. 

I was n't notified before it went on my reports and as of today I am still not being provided with any information concerning this debt which is causing me a great deal of financial stress. 

It seems XXXX and XXXX have done the right thing but Experian wants to cause me a great deal of grief.

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 2015-10-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian refuses to remove the fraudulent account off of my credit file due to fraud.My social security number was stolen from me and used to open accounts in my name without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For some odd reason Experian is keeping everything on my report for 10 years. I do have a bankruptcy and understand that has to stay, but other things that should fall off in XXXX ... everything is defaulting to 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please help me, there was a judgment filed a while ago that should have never been files as the debt was paid before it was ever filed. I disputed the item several times which the only agency reported is Experian, they stated no they would not remove so I had my attorney go to the courts and obtain a motion to set aside, which I attached. The judgment should have never been filed and everyone agreed. Why is Experian not complying with the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed you that the XXXX account that is reporting on my credit file is not mine. Please remove this account from my credit file. I have attach a police report as proof that this account is a result of identity theft.

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 2015-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I contacted the credit reporting bureaus on XXXX XXXX, 2015 and till this day i have not heard back from any of them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Never lived in Pennsylvania in my life. 
Also NEVER known as XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief